/* expectedcosts.com — stylesheet
   Palette sampled directly from the expectedcosts.com logo:
     navy #0A2B4A  (wordmark "expected", arc, arrow)
     teal #0580A4  (wordmark "costs", bar chart)
   Extremely basic, areacosts-style: white nav and page, white cards, plain 1px
   borders, one accent. Public Sans for text, tabular figures. No gradients,
   no decorative shapes, no per-category theming. */

:root{
  --font-sans:"Public Sans",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;

  --primary:#0A2B4A;        /* logo navy */
  --primary-light:#123A5E;
  --accent:#0580A4;         /* logo teal */
  --accent-strong:#046A88;
  --accent-soft:#E6F3F7;
  --text:#22303C;
  --text-light:#5A6B7A;
  --text-muted:#8A98A5;

  --bg:#ffffff;
  --surface:#F5F8FA;
  --surface-hover:#EBF1F4;
  --border:#E1E8ED;
  --border-light:#EEF3F6;

  --cta:#0580A4;            /* money action, matches the logo teal */
  --cta-hover:#046A88;

  --radius:12px;
  --radius-sm:8px;
  --shadow:0 1px 3px rgba(10,43,74,.06);
  --shadow-md:0 4px 20px rgba(10,43,74,.08);
  --shadow-hover:0 12px 48px rgba(10,43,74,.12);
  --transition:all .2s ease;

  --container:1200px;
  --gutter:24px;
  --measure:70ch;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font-sans);
  font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{color:var(--accent-strong);text-decoration:underline}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}
.container{max-width:var(--container);margin:0 auto;padding:0 var(--gutter)}
.small{font-size:13px;color:var(--text-light)}

/* ---------- header / nav (white) ---------- */
.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:24px}
.logo{display:flex;align-items:center}
.logo:hover{text-decoration:none}
.logo img{height:40px;width:auto;display:block}
.nav-menu{display:flex;list-style:none;gap:2px;align-items:center;margin:0;padding:0}
.nav-menu a{display:block;padding:8px 14px;border-radius:var(--radius-sm);
  background:transparent;color:var(--primary);font-size:13px;font-weight:600}
.nav-menu a:hover{background:var(--surface);color:var(--accent);text-decoration:none}
.nav-toggle{display:none;background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);
  padding:8px 12px;font:inherit;font-weight:600;color:var(--primary);cursor:pointer}

/* ---------- hero + search ---------- */
.home-hero{padding:72px 0 56px;text-align:center;background:#fff;border-bottom:1px solid var(--border)}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  color:var(--accent);margin:0 0 12px}
h1{color:var(--primary);font-weight:800;letter-spacing:-.02em;line-height:1.15;
  font-size:clamp(28px,4vw,44px);margin:16px 0}
h2{color:var(--primary);font-weight:700;letter-spacing:-.01em;line-height:1.25;
  font-size:clamp(21px,2.4vw,28px);margin:40px 0 14px}
h3{color:var(--primary);font-weight:700;font-size:19px;line-height:1.3;margin:28px 0 10px}
h2:first-child,h3:first-child{margin-top:0}
p{margin:0 0 16px}
.hero-sub{max-width:640px;margin:0 auto;color:var(--text-light);font-size:17px}
.hero-actions{margin-top:24px;display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.search-box{max-width:560px;margin:24px auto 0;display:flex;gap:8px}
.search-box input{flex:1;min-height:48px;padding:12px 18px;font:inherit;
  border:1px solid var(--border);border-radius:var(--radius);background:#fff;color:var(--text)}
.search-results{max-width:560px;margin:8px auto 0;text-align:left;border:1px solid var(--border);
  border-radius:var(--radius);background:#fff;box-shadow:var(--shadow-md);overflow:hidden;display:none}
.search-results[data-open="1"]{display:block}
.search-results a{display:block;padding:11px 18px;border-bottom:1px solid var(--border-light);
  color:var(--text);font-weight:600;font-size:15px}
.search-results a:last-child{border-bottom:0}
.search-results a:hover{background:var(--surface-hover);color:var(--primary);text-decoration:none}

/* ---------- buttons ---------- */
.btn-primary,.btn-secondary{display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 26px;border-radius:var(--radius);font-weight:600;font-size:15px;
  border:1px solid transparent;cursor:pointer;transition:var(--transition)}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-strong);color:#fff;text-decoration:none}
.btn-secondary{background:#fff;color:var(--primary);border-color:var(--border)}
.btn-secondary:hover{border-color:var(--accent);color:var(--accent);text-decoration:none}

/* ---------- breadcrumbs + layout ---------- */
.crumbs{font-size:13px;color:var(--text-muted);padding:20px 0 0}
.crumbs ol{list-style:none;display:flex;gap:6px;flex-wrap:wrap;margin:0;padding:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--border)}
.crumbs a{color:var(--text-light)}
.lede{font-size:18px;color:var(--text-light)}
.answer{max-width:var(--measure)}
.section{padding:56px 0;border-bottom:1px solid var(--border)}
.section:last-of-type{border-bottom:0}
.section-header{text-align:center;margin-bottom:32px}
.section-header h2{margin:0 0 10px}
.section-header p{color:var(--text-light);max-width:640px;margin:0 auto}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;
  align-items:start;padding:36px 0}
.content-main{min-width:0}
.content-sidebar{display:flex;flex-direction:column;gap:20px}
.sidebar-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:22px}
.sidebar-card h2{font-size:15px;margin:0 0 12px}
.related-list{list-style:none;margin:0;padding:0}
.related-list li{padding:9px 0;border-bottom:1px solid var(--border-light);font-size:14px}
.related-list li:last-child{border-bottom:0}
.related-list a{color:var(--accent)}
.related-list a:hover{color:var(--accent-strong)}
.up-link{margin:20px 0;font-weight:600}

/* ---------- grids + cards ---------- */
.category-grid,.niche-grid,.card-grid,.state-grid{list-style:none;padding:0;margin:28px 0}
.category-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px}
.niche-grid,.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}
.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:12px}
.category-card,.niche-card,.card,.state-card{display:block;background:#fff;
  border:1px solid var(--border);border-radius:var(--radius);padding:24px;
  color:var(--text);transition:var(--transition)}
.category-card{text-align:center}
.category-card:hover,.niche-card:hover,.card:hover,.state-card:hover{border-color:var(--accent);
  box-shadow:var(--shadow-hover);text-decoration:none;transform:translateY(-3px)}
.category-card h3,.niche-card h3,.card h3{margin:0 0 8px;font-size:17px}
.category-card p,.niche-card p,.card p{margin:0;font-size:14px;color:var(--text-light)}
.state-card{padding:14px 18px;font-weight:600;font-size:15px}
.cat-initial{width:44px;height:44px;margin:0 auto 12px;border-radius:var(--radius-sm);
  background:var(--accent-soft);color:var(--accent-strong);display:flex;align-items:center;
  justify-content:center;font-size:20px;font-weight:800}

/* ---------- range box ---------- */
.range-box{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);
  padding:28px;margin:0 0 28px}
.range-label{font-size:13px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  color:var(--text-light);margin:0 0 8px}
.range-value{font-family:var(--font-sans);font-variant-numeric:tabular-nums;font-weight:800;
  color:var(--primary);font-size:clamp(26px,4vw,40px);line-height:1.1;margin:0}
.range-dash{color:var(--accent)}
.range-low,.range-high{white-space:nowrap}
.range-unit{margin:10px 0 0;font-size:15px;color:var(--text-light)}
.range-basis{margin:12px 0 0;font-size:13px;color:var(--text-muted)}

/* ---------- stats ---------- */
.quick-stats{margin:0 0 28px}
.quick-stats h2{margin-top:0}
.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;
  margin:0;padding:0;list-style:none}
.stat-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:18px;display:flex;flex-direction:column;gap:4px}
.stat-label{font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  color:var(--text-light)}
.stat-value{font-family:var(--font-sans);font-variant-numeric:tabular-nums;font-size:20px;
  font-weight:800;color:var(--primary)}
.stat-note{font-size:13px;color:var(--text-muted)}

/* ---------- prose ---------- */
.prose p{max-width:var(--measure)}

/* ---------- hub links ---------- */
.hub-links{margin:32px 0 8px}
.link-list{list-style:none;margin:0;padding:0;display:grid;
  grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:4px 28px}
.link-list li{padding:9px 0;border-bottom:1px solid var(--border-light);font-size:15px}
.link-list a{font-weight:600;color:var(--accent)}
.link-list a:hover{color:var(--accent-strong)}
.link-list .meta{display:block;font-size:13px;color:var(--text-light);font-weight:400;margin-top:2px}
.cat-block{margin:0 0 28px}
.cat-block h2{font-size:20px}
.niche-list{margin:28px 0}
.niche-entry{border-bottom:1px solid var(--border-light);padding:18px 0}
.niche-entry:last-child{border-bottom:0}
.niche-entry h3{margin:0 0 6px}
.niche-entry p{margin:0;color:var(--text-light);font-size:14px}

/* ---------- CTA ---------- */
.cta{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin:32px 0}
.cta__label{font-size:13px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  color:var(--text-light);margin:0 0 10px}
.cta__btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;
  padding:12px 26px;background:var(--cta);color:#fff;border-radius:var(--radius);
  font-weight:700;font-size:15px}
.cta__btn:hover{background:var(--cta-hover);color:#fff;text-decoration:none}
.cta__req{font-size:13px;font-weight:700;color:var(--text);margin:14px 0 0}
.notlender{font-size:12px;color:var(--text-light);margin:8px 0 0}

/* ---------- FAQ ---------- */
.faq{margin:36px 0 0}
.faq-item{border-bottom:1px solid var(--border-light);padding:2px 0}
.faq-item summary{cursor:pointer;font-weight:700;color:var(--primary);min-height:48px;
  display:flex;align-items:center;font-size:16px}
.faq-item .a{padding:0 0 16px;max-width:var(--measure)}

/* ---------- content pages ---------- */
.page-body,.tool-body{margin:0 0 20px}
.tool-body .table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse}
th,td{padding:10px 12px;border-bottom:1px solid var(--border-light);text-align:left;font-size:14px}
th{color:var(--primary);font-weight:700}

/* ---------- footer ---------- */
.site-footer{background:#fff;border-top:1px solid var(--border);color:var(--text-muted);
  padding:56px 0 32px}
.footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:40px;margin-bottom:40px}
.footer-col{color:var(--primary);font-size:14px;margin:0 0 18px;font-weight:700;
  text-transform:uppercase;letter-spacing:.5px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:10px;font-size:14px}
.site-footer a{color:var(--text-light)}
.site-footer a:hover{color:var(--accent);text-decoration:none}
.footer-note{border-top:1px solid var(--border);padding-top:28px;font-size:13px;line-height:1.7;
  max-width:92ch}
.footer-note p{margin:0 0 12px}

/* ---------- responsive ---------- */
@media (max-width:1024px){
  .content-grid{grid-template-columns:1fr;gap:32px}
  .footer-grid{grid-template-columns:repeat(2,1fr);gap:32px}
}
@media (max-width:768px){
  :root{--gutter:16px}
  .nav-toggle{display:block}
  .nav-menu{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;
    border-bottom:1px solid var(--border);flex-direction:column;align-items:stretch;
    padding:8px;box-shadow:var(--shadow-md);gap:0}
  .nav-menu[data-open="1"]{display:flex}
  .nav-menu a{padding:12px 14px}
  .header-inner{position:relative}
  h1{font-size:28px}
  .home-hero{padding:44px 0 36px}
  .link-list{grid-template-columns:1fr}
  .search-box{flex-direction:column}
}
@media (max-width:480px){
  .footer-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none !important;scroll-behavior:auto}
}
@media print{
  .nav-menu,.nav-toggle,.cta,.site-footer,.content-sidebar{display:none}
  .content-grid{grid-template-columns:1fr}
}