/* ══════════════════════════════════════════════════════════════════════════
   INCOME CHEAT SHEET — /income only.
   Loaded by income.html and nothing else, and every rule uses the ix- prefix,
   so none of it can reach another page or a shared component.

   The idea: premium-automotive clarity. One lime screen, then white. Large
   type, hairlines, generous space, and exactly one loud thing per screen.
   Built for a 390px phone first; desktop is an adaptation, not a stretch.
   ══════════════════════════════════════════════════════════════════════════ */

.page-income {
  --ix-lime: #CEFE02;         /* matches the hero photograph's sky exactly */
  --ix-lime-btn: #C8FF00;
  --ix-navy: #002B5C;
  --ix-navy-2: #0B3A73;
  --ix-navy-muted: rgba(0, 43, 92, .62);
  --ix-navy-faint: rgba(0, 43, 92, .12);
  --ix-hair: #E3E7EC;
  --ix-bg-soft: #F5F7F9;
  --ix-ease: cubic-bezier(.22, .61, .36, 1);
  background: #fff;
}
.page-income main,
.page-income { overflow-x: clip; }

.ix-wrap {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding-left: max(24px, env(safe-area-inset-left));
  padding-right: max(24px, env(safe-area-inset-right));
}
.ix-wrap--calc { max-width: 720px; }
.ix-wrap--text { max-width: 760px; text-align: center; }

.ix-sec { padding: 72px 0; background: #fff; color: var(--ix-navy); }

.ix-eyebrow {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--ix-navy-muted);
}
.ix-h2 {
  margin: 10px 0 0;
  font-size: clamp(34px, 9.4vw, 56px);
  font-weight: 800;
  line-height: .98;
  letter-spacing: -.04em;
  color: var(--ix-navy);
}
.ix-display {
  margin: 0;
  font-size: clamp(40px, 11.4vw, 76px);
  font-weight: 800;
  line-height: .96;
  letter-spacing: -.045em;
  color: var(--ix-navy);
}
.ix-display--light { color: #fff; }
.ix-lede {
  margin: 22px auto 0;
  max-width: 34em;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ix-navy-muted);
}
.ix-small { margin: 16px 0 0; font-size: 13.5px; line-height: 1.55; color: var(--ix-navy-muted); }

/* ── Physical buttons ──
   A top highlight, a solid lower edge and a soft cast shadow, so the button
   reads as a key that can be pressed. Pressing drops it onto its edge. */
.ix-btn {
  -webkit-appearance: none;
  appearance: none;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 60px;
  padding: 0 30px;
  font: inherit;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  text-decoration: none;
  border: 0;
  border-radius: 16px;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
  transition: transform .14s var(--ix-ease), box-shadow .14s var(--ix-ease), filter .14s var(--ix-ease);
}
.ix-btn--block { display: flex; width: 100%; }
.ix-btn__arrow { font-size: 1.15em; line-height: 1; transition: transform .2s var(--ix-ease); }
.ix-btn:hover .ix-btn__arrow { transform: translateX(3px); }
a.ix-btn[href^="#"]:hover .ix-btn__arrow { transform: translateY(2px); }

.ix-btn--lime {
  color: var(--ix-navy);
  background: linear-gradient(180deg, #DAFF3A 0%, #C8F500 100%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, .75),
    inset 0 -1px 0 rgba(0, 0, 0, .05),
    0 3px 0 #9DC300,
    0 10px 22px -8px rgba(0, 43, 92, .38);
}
.ix-btn--navy {
  color: var(--ix-lime-btn);
  background: linear-gradient(180deg, var(--ix-navy-2) 0%, var(--ix-navy) 100%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, .16),
    0 3px 0 #001733,
    0 12px 24px -10px rgba(0, 23, 51, .6);
}
.ix-btn--white {
  color: var(--ix-navy);
  background: linear-gradient(180deg, #FFFFFF 0%, #F3F5F8 100%);
  box-shadow:
    inset 0 1px 0 #fff,
    0 0 0 1px #DCE1E8,
    0 3px 0 #CCD3DC,
    0 10px 20px -12px rgba(0, 43, 92, .3);
}
@media (hover: hover) {
  .ix-btn:hover { transform: translateY(-1px); filter: brightness(1.03); }
}
.ix-btn:active {
  transform: translateY(3px) scale(.99);
  filter: none;
}
.ix-btn--lime:active {
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .6), 0 0 0 #9DC300, 0 3px 8px -4px rgba(0, 43, 92, .35);
}
.ix-btn--navy:active {
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .12), 0 0 0 #001733, 0 3px 8px -4px rgba(0, 23, 51, .5);
}
.ix-btn--white:active {
  box-shadow: inset 0 1px 0 #fff, 0 0 0 1px #DCE1E8, 0 0 0 #CCD3DC, 0 3px 8px -5px rgba(0, 43, 92, .3);
}
.ix-btn:focus-visible { outline: 3px solid var(--ix-navy); outline-offset: 4px; }
.ix-btn--navy:focus-visible { outline-color: var(--ix-navy); }
.ix-se .ix-btn:focus-visible { outline-color: var(--ix-lime-btn); }

.ix-btn__stack { display: flex; flex-direction: column; align-items: center; line-height: 1.15; gap: 3px; }
.ix-btn__phone { font-size: 22px; letter-spacing: .02em; font-weight: 800; }
.ix-btn--call { min-height: 76px; }

/* ══ 1. HERO ══════════════════════════════════════════════════════════════ */
.ix-hero {
  position: relative;
  isolation: isolate;
  background: var(--ix-lime);
  color: var(--ix-navy);
  padding-top: calc(var(--nav-height) + 30px);
  overflow: hidden;
}
.ix-hero__copy { position: relative; z-index: 2; }
.ix-hero__title {
  margin: 0;
  font-size: clamp(54px, 16.2vw, 112px);
  font-weight: 800;
  line-height: .86;
  letter-spacing: -.055em;
  text-transform: uppercase;
  color: var(--ix-navy);
}
.ix-hero__q {
  margin: 26px 0 0;
  font-size: clamp(25px, 6.8vw, 42px);
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: -.03em;
}
.ix-hero__sub {
  margin: 14px 0 0;
  font-size: 17px;
  line-height: 1.45;
  font-weight: 500;
  color: rgba(0, 43, 92, .78);
}
.ix-hero__cta { margin-top: 28px; }
.ix-hero__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 22px; }
.ix-hero__alt {
  margin-top: 28px;
  padding: 10px 2px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--ix-navy);
  text-decoration: underline;
  text-underline-offset: 4px;
  text-decoration-color: rgba(0, 43, 92, .35);
}
.ix-hero__alt:hover { text-decoration-color: var(--ix-navy); }

/* The house sits under the words, lower right. Its sky is the section colour,
   and a mask dissolves its top edge, so there is no seam to see. The bottom
   dissolves into the white section below. */
.ix-hero__house {
  position: relative;
  z-index: 1;
  display: block;
  margin-top: -64px;
  aspect-ratio: 1 / 1.02;
  -webkit-mask-image: linear-gradient(180deg, transparent 0%, #000 24%);
          mask-image: linear-gradient(180deg, transparent 0%, #000 24%);
}
.ix-hero__house img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 72% 100%;
}
.ix-hero::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 72px;
  z-index: 3;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0) 0%, #fff 100%);
  pointer-events: none;
}

@media (min-width: 600px) {
  .ix-hero__house { margin-top: -40px; aspect-ratio: 4 / 3; }
}

@media (min-width: 960px) {
  .ix-hero {
    min-height: min(820px, 100vh);
    display: flex;
    align-items: center;
    padding-top: calc(var(--nav-height) + 56px);
    padding-bottom: 120px;
  }
  .ix-hero__copy { max-width: 1120px; }
  .ix-hero__copy > * { max-width: 560px; }
  .ix-hero__house {
    position: absolute;
    right: 0;
    bottom: 0;
    width: 58vw;
    max-width: 980px;
    height: 100%;
    margin: 0;
    aspect-ratio: auto;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 30%), linear-gradient(180deg, transparent 0%, #000 22%);
            mask-image: linear-gradient(90deg, transparent 0%, #000 30%), linear-gradient(180deg, transparent 0%, #000 22%);
    -webkit-mask-composite: source-in;
            mask-composite: intersect;
  }
  .ix-hero__house img { object-position: 60% 100%; }
  .ix-hero::after { height: 110px; }
}

/* ══ 2. INPUTS ════════════════════════════════════════════════════════════ */
.ix-input { padding-top: 40px; scroll-margin-top: var(--nav-height); }
.ix-step + .ix-step { margin-top: 52px; }
.ix-step__head { display: flex; align-items: center; gap: 14px; }
.ix-step__num {
  flex: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  font-size: 15px;
  font-weight: 800;
  color: var(--ix-navy);
  background: var(--ix-lime);
  border-radius: 50%;
}
.ix-step__label {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ix-navy);
}

.ix-price {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 18px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--ix-navy);
}
.ix-price__input {
  -webkit-appearance: none;
  appearance: none;
  flex: 1 1 auto;
  min-width: 0;
  width: 100%;
  padding: 0;
  font: inherit;
  font-size: clamp(34px, 9.2vw, 72px);
  font-weight: 800;
  letter-spacing: -.045em;
  line-height: 1.1;
  font-variant-numeric: tabular-nums;
  text-align: center;
  color: var(--ix-navy);
  background: transparent;
  border: 0;
  border-radius: 0;
  outline: none;
}
.ix-price__input.is-long { font-size: clamp(28px, 7.8vw, 64px); }
.ix-price:focus-within { border-bottom-color: var(--ix-navy); box-shadow: 0 2px 0 var(--ix-lime); }

.ix-round {
  -webkit-appearance: none;
  appearance: none;
  flex: none;
  width: 48px;
  height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font: inherit;
  font-size: 24px;
  font-weight: 500;
  line-height: 1;
  color: var(--ix-navy);
  background: linear-gradient(180deg, #fff 0%, #F1F4F7 100%);
  border: 0;
  border-radius: 50%;
  cursor: pointer;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  box-shadow: inset 0 1px 0 #fff, 0 0 0 1px #D8DEE6, 0 2px 0 #C9D0DA, 0 6px 12px -6px rgba(0, 43, 92, .3);
  transition: transform .12s var(--ix-ease), box-shadow .12s var(--ix-ease);
}
.ix-round:active { transform: translateY(2px) scale(.97); box-shadow: inset 0 1px 0 #fff, 0 0 0 1px #D8DEE6, 0 0 0 #C9D0DA, 0 2px 4px -2px rgba(0, 43, 92, .3); }
.ix-round:focus-visible { outline: 3px solid var(--ix-navy); outline-offset: 3px; }

.ix-range {
  -webkit-appearance: none;
  appearance: none;
  display: block;
  width: 100%;
  height: 32px;
  margin: 22px 0 0;
  background: transparent;
  cursor: pointer;
  --ix-fill: 25%;
}
.ix-range::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--ix-navy) 0 var(--ix-fill), var(--ix-hair) var(--ix-fill) 100%);
}
.ix-range::-moz-range-track { height: 6px; border-radius: 999px; background: var(--ix-hair); }
.ix-range::-moz-range-progress { height: 6px; border-radius: 999px; background: var(--ix-navy); }
.ix-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 28px;
  height: 28px;
  margin-top: -11px;
  border-radius: 50%;
  background: var(--ix-lime);
  border: 3px solid var(--ix-navy);
  box-shadow: 0 3px 8px rgba(0, 43, 92, .3);
}
.ix-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--ix-lime);
  border: 3px solid var(--ix-navy);
  box-shadow: 0 3px 8px rgba(0, 43, 92, .3);
}
.ix-range:focus-visible { outline: 3px solid var(--ix-navy); outline-offset: 4px; border-radius: 8px; }
.ix-range__ends {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 12.5px;
  font-weight: 500;
  color: var(--ix-navy-muted);
}

/* Down-payment tiles. Selected = solid navy, so the choice is unmissable. */
.ix-choices { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-top: 18px; }
.ix-choice {
  -webkit-appearance: none;
  appearance: none;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
  min-height: 118px;
  padding: 18px 18px 16px;
  font: inherit;
  text-align: left;
  color: var(--ix-navy);
  background: linear-gradient(180deg, #fff 0%, #F4F6F9 100%);
  border: 0;
  border-radius: 18px;
  cursor: pointer;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  box-shadow: inset 0 1px 0 #fff, 0 0 0 1px #D8DEE6, 0 3px 0 #CCD3DC, 0 10px 20px -14px rgba(0, 43, 92, .35);
  transition: transform .14s var(--ix-ease), box-shadow .14s var(--ix-ease), background .2s var(--ix-ease), color .2s var(--ix-ease);
}
.ix-choice__pct { font-size: 36px; font-weight: 800; letter-spacing: -.04em; line-height: 1; }
.ix-choice__amt { font-size: 16px; font-weight: 600; font-variant-numeric: tabular-nums; color: var(--ix-navy-muted); }
.ix-choice__note { font-size: 12px; line-height: 1.35; color: var(--ix-navy-muted); }
.ix-choice__note:empty { display: none; }
@media (hover: hover) { .ix-choice:not(:disabled):hover { transform: translateY(-1px); } }
.ix-choice:active { transform: translateY(3px) scale(.99); box-shadow: inset 0 1px 0 #fff, 0 0 0 1px #D8DEE6, 0 0 0 #CCD3DC, 0 3px 6px -4px rgba(0, 43, 92, .3); }
.ix-choice.is-selected {
  color: #fff;
  background: linear-gradient(180deg, var(--ix-navy-2) 0%, var(--ix-navy) 100%);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .14), 0 0 0 2px var(--ix-navy), 0 3px 0 #001733, 0 12px 24px -12px rgba(0, 23, 51, .6);
}
.ix-choice.is-selected .ix-choice__amt { color: var(--ix-lime-btn); }
.ix-choice.is-selected .ix-choice__note { color: rgba(255, 255, 255, .75); }
.ix-choice:disabled { cursor: not-allowed; opacity: .55; transform: none; }
.ix-choice:focus-visible { outline: 3px solid var(--ix-navy); outline-offset: 4px; }

#ixSee { margin-top: 40px; }

/* Step 3 — monthly debts and HOA. Optional, so it reads quieter than the
   price and the down payment: two plain fields side by side. */
.ix-step__opt { margin-left: 8px; font-size: 11px; font-weight: 600; letter-spacing: .08em; color: var(--ix-navy-muted); }
.ix-costs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-top: 18px; }
.ix-costs .ix-field + .ix-field { margin-top: 0; }
.ix-costs .ix-field input { font-weight: 600; font-variant-numeric: tabular-nums; }
.ix-costs__hint { margin: 10px 0 0; font-size: 13px; line-height: 1.45; color: var(--ix-navy-muted); }

/* ══ 3. RESULTS ═══════════════════════════════════════════════════════════ */
.ix-results {
  padding-top: 64px;
  border-top: 1px solid var(--ix-hair);
  scroll-margin-top: var(--nav-height);
}
.ix-results.is-in { animation: ixIn .6s var(--ix-ease) both; }
@keyframes ixIn { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
.ix-results__scenario { margin: 14px 0 0; font-size: 15px; color: var(--ix-navy-muted); }

.ix-answer {
  margin-top: 34px;
  padding: 28px 24px 26px;
  background: var(--ix-bg-soft);
  border-radius: 24px;
}
.ix-answer__label,
.ix-total__label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ix-navy-muted);
}
.ix-answer__value {
  display: flex;
  align-items: baseline;
  flex-wrap: wrap;
  margin-top: 10px;
  font-size: clamp(56px, 17vw, 112px);
  font-weight: 800;
  line-height: .95;
  letter-spacing: -.055em;
  font-variant-numeric: tabular-nums;
  color: var(--ix-navy);
}
.ix-answer__value.is-long { font-size: clamp(40px, 12.4vw, 96px); }
.ix-answer__unit { margin-left: 4px; font-size: .28em; font-weight: 700; letter-spacing: -.01em; color: var(--ix-navy-muted); }
.ix-answer__alt { margin-top: 10px; font-size: 15px; color: var(--ix-navy-muted); }
.ix-total { margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(0, 43, 92, .1); }
.ix-total__value {
  margin-top: 6px;
  font-size: 34px;
  font-weight: 800;
  letter-spacing: -.04em;
  font-variant-numeric: tabular-nums;
  color: var(--ix-navy);
}
.ix-total__unit { margin-left: 2px; font-size: .5em; font-weight: 700; color: var(--ix-navy-muted); }

.ix-rows { margin: 28px 0 0; padding: 0; }
.ix-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  padding: 15px 0;
  border-bottom: 1px solid var(--ix-hair);
}
.ix-row[hidden] { display: none; }
.ix-row dt { flex: 1 1 auto; min-width: 0; margin: 0; font-size: 15.5px; color: var(--ix-navy-muted); }
.ix-row dd { margin: 0; font-size: 16.5px; font-weight: 700; text-align: right; font-variant-numeric: tabular-nums; color: var(--ix-navy); white-space: nowrap; }
.ix-row--total dt { font-weight: 700; color: var(--ix-navy); }
.ix-row--total dd { font-size: 18px; }
.ix-row--rate { border-bottom: 0; }
.ix-row--rate dt { flex: none; }
.ix-row--rate dd { flex: 1 1 auto; font-weight: 600; white-space: normal; }

.ix-compare { margin-top: 44px; }
.ix-compare__head { font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ix-navy-muted); }
.ix-compare__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 14px; }
.ix-compare__col {
  -webkit-appearance: none;
  appearance: none;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 6px;
  padding: 18px 16px;
  font: inherit;
  text-align: left;
  color: var(--ix-navy);
  background: #fff;
  border: 1px solid var(--ix-hair);
  border-radius: 18px;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  transition: border-color .2s var(--ix-ease), background .2s var(--ix-ease);
}
.ix-compare__col[aria-pressed="true"] { border-color: var(--ix-navy); box-shadow: inset 0 0 0 1px var(--ix-navy); }
.ix-compare__col:disabled { cursor: default; opacity: .6; }
.ix-compare__col:focus-visible { outline: 3px solid var(--ix-navy); outline-offset: 3px; }
.ix-compare__k { font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.ix-compare__income { font-size: clamp(22px, 6.4vw, 34px); font-weight: 800; letter-spacing: -.04em; font-variant-numeric: tabular-nums; line-height: 1.05; }
.ix-compare__per { font-size: .5em; font-weight: 700; letter-spacing: 0; color: var(--ix-navy-muted); }
.ix-compare__meta { font-size: 13px; line-height: 1.45; color: var(--ix-navy-muted); }
.ix-compare__diff {
  margin: 14px 0 0;
  padding: 12px 14px;
  font-size: 14.5px;
  line-height: 1.45;
  font-weight: 600;
  color: var(--ix-navy);
  background: rgba(206, 254, 2, .35);
  border-radius: 12px;
}

.ix-rates {
  margin-top: 48px;
  padding-top: 24px;
  border-top: 1px solid var(--ix-hair);
}
.ix-rates__head { font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ix-navy-muted); }
.ix-rates__list { margin: 12px 0 0; padding: 0; list-style: none; }
.ix-rates__list li { padding: 5px 0; font-size: 14px; line-height: 1.5; color: var(--ix-navy-muted); }
.ix-rates__list strong { color: var(--ix-navy); font-weight: 700; }
.ix-rates__fine { margin: 12px 0 0; font-size: 12.5px; line-height: 1.6; color: var(--ix-navy-muted); }
.ix-rates a { color: var(--ix-navy); text-decoration: underline; text-underline-offset: 2px; }
.ix-rates__warn {
  margin: 12px 0 0;
  padding: 10px 12px;
  font-size: 13.5px;
  line-height: 1.5;
  color: #7a3b00;
  background: #FFF4E0;
  border-radius: 10px;
}

@media (min-width: 900px) {
  .ix-results .ix-wrap--calc { max-width: 1040px; }
  .ix-results__grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 48px; align-items: start; }
  .ix-rows { margin-top: 34px; }
  .ix-compare, .ix-rates { max-width: 720px; }
}

/* ── Three next steps, right under the result ── */
.ix-actions { display: grid; gap: 12px; margin-top: 28px; }
.ix-actions__rates {
  justify-self: center;
  padding: 8px 4px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--ix-navy);
  text-decoration: underline;
  text-underline-offset: 4px;
  text-decoration-color: rgba(0, 43, 92, .3);
}
.ix-actions__rates:hover { text-decoration-color: var(--ix-navy); }

/* ── Scenario 1 vs. Scenario 2 ── */
.ix-vs { margin-top: 36px; }
.ix-vs[hidden] { display: none; }
.ix-vs__head { font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ix-navy-muted); }
.ix-vs__table { margin-top: 10px; }
.ix-vs__row {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr) minmax(0, 1fr);
  gap: 10px;
  padding: 11px 0;
  border-bottom: 1px solid var(--ix-hair);
  font-size: 14.5px;
  font-variant-numeric: tabular-nums;
  color: var(--ix-navy);
}
.ix-vs__row span:not(.ix-vs__k) { text-align: right; font-weight: 600; }
.ix-vs__k { color: var(--ix-navy-muted); }
.ix-vs__row--head { padding-top: 0; font-size: 11.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.ix-vs__row--head span:not(.ix-vs__k) { font-weight: 700; }
.ix-vs__row:last-child { border-bottom: 2px solid var(--ix-navy); }
.ix-vs__row:last-child span { color: var(--ix-navy); }

@media (min-width: 900px) {
  .ix-actions { grid-template-columns: 1fr 1fr; max-width: 720px; }
  .ix-actions__rates { grid-column: 1 / -1; justify-self: start; }
  .ix-vs { max-width: 720px; }
}

/* ── The full cheat sheet ── */
.ix-fullsheet { border-top: 1px solid var(--ix-hair); scroll-margin-top: var(--nav-height); }
.ix-fullsheet .inc-seg { margin-top: 28px; }
.ix-fullsheet__cta { margin-top: 36px; }

/* ══ HOW IT WORKS ═════════════════════════════════════════════════════════
   The explanatory copy under the tool. Same type and hairlines as the rest of
   the page — headings and short paragraphs, no cards. */
.ix-learn { border-top: 1px solid var(--ix-hair); scroll-margin-top: var(--nav-height); }
.ix-learn .ix-h2 { font-size: clamp(30px, 8vw, 46px); }
.ix-learn__lede,
.ix-learn__example { margin: 22px 0 0; font-size: 17px; line-height: 1.6; color: var(--ix-navy); }
.ix-learn__example { color: var(--ix-navy-muted); }
.ix-learn__example strong { color: var(--ix-navy); font-variant-numeric: tabular-nums; }
.ix-learn__items { margin-top: 44px; }
.ix-learn__item { padding: 26px 0; border-top: 1px solid var(--ix-hair); }
.ix-learn__item h3 { margin: 0; font-size: 20px; font-weight: 800; letter-spacing: -.02em; line-height: 1.2; color: var(--ix-navy); }
.ix-learn__item p { margin: 10px 0 0; font-size: 16px; line-height: 1.65; color: var(--ix-navy-muted); }
.ix-learn a { color: var(--ix-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(0, 43, 92, .3); }
.ix-faq { margin-top: 28px; padding-top: 40px; border-top: 1px solid var(--ix-hair); }
.ix-faq__head { margin: 0 0 8px; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ix-navy); }
.ix-faq__item { border-bottom: 1px solid var(--ix-hair); }
.ix-faq__item summary {
  position: relative;
  padding: 20px 36px 20px 0;
  font-size: 17px; font-weight: 700; line-height: 1.35; color: var(--ix-navy);
  list-style: none; cursor: pointer;
}
.ix-faq__item summary::-webkit-details-marker { display: none; }
.ix-faq__item summary::after {
  content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  font-size: 24px; font-weight: 500; color: var(--ix-navy-muted);
}
.ix-faq__item[open] summary::after { content: "\2212"; }
.ix-faq__item p { margin: 0; padding: 0 0 22px; font-size: 16px; line-height: 1.65; color: var(--ix-navy-muted); }
.ix-learn__tools { margin: 40px 0 0; font-size: 15px; line-height: 1.9; color: var(--ix-navy-muted); }

/* ── Send me my scenario: bottom sheet on phones, dialog on desktop ── */
html.ix-sheet-open { overflow: hidden; }
.ix-sheet { position: fixed; inset: 0; z-index: 1000; display: flex; align-items: flex-end; justify-content: center; }
.ix-sheet[hidden] { display: none; }
.ix-sheet__scrim { position: absolute; inset: 0; background: rgba(0, 23, 51, .5); opacity: 0; transition: opacity .25s var(--ix-ease); }
.ix-sheet__panel {
  position: relative;
  width: 100%;
  max-width: 560px;
  max-height: 92vh;
  max-height: 92dvh;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior: contain;
  padding: 14px max(22px, env(safe-area-inset-left)) calc(26px + env(safe-area-inset-bottom));
  background: #fff;
  color: var(--ix-navy);
  border-radius: 24px 24px 0 0;
  box-shadow: 0 -12px 40px rgba(0, 23, 51, .25);
  transform: translateY(100%);
  transition: transform .28s var(--ix-ease);
}
.ix-sheet.is-open .ix-sheet__scrim { opacity: 1; }
.ix-sheet.is-open .ix-sheet__panel { transform: none; }
.ix-sheet__grab { width: 40px; height: 4px; margin: 0 auto 18px; border-radius: 2px; background: var(--ix-hair); }
.ix-sheet__x {
  position: absolute; top: 10px; right: 12px;
  width: 40px; height: 40px;
  font-size: 28px; line-height: 1;
  color: var(--ix-navy-muted);
  background: none; border: 0; cursor: pointer;
}
@media (min-width: 700px) {
  .ix-sheet { align-items: center; padding: 24px; }
  .ix-sheet__panel { border-radius: 24px; padding: 28px 32px 30px; transform: translateY(24px); opacity: 0; transition: transform .28s var(--ix-ease), opacity .28s var(--ix-ease); }
  .ix-sheet.is-open .ix-sheet__panel { opacity: 1; }
  .ix-sheet__grab { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .ix-sheet__panel, .ix-sheet__scrim { transition: none; }
}

.ix-sc { margin-top: 14px; padding: 16px 18px; background: var(--ix-bg-soft); border-radius: 16px; }
.ix-sc[hidden] { display: none; }
.ix-sc__top { display: flex; justify-content: space-between; align-items: center; }
.ix-sc__k { font-size: 11.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ix-navy-muted); }
.ix-sc__line { margin-top: 6px; font-size: 15.5px; line-height: 1.5; font-variant-numeric: tabular-nums; }
.ix-sc__line span { color: var(--ix-navy-muted); font-size: 14.5px; }
.ix-sc__remove { padding: 4px 2px; font: inherit; font-size: 13.5px; font-weight: 600; color: var(--ix-navy-muted); background: none; border: 0; text-decoration: underline; cursor: pointer; }
.ix-sc--two .ix-field { margin-top: 12px; }
.ix-sc--two .ix-sc__line { margin-top: 12px; }
.ix-sc__downs { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 10px; }
.ix-sc__down {
  min-height: 46px; font: inherit; font-size: 15px; font-weight: 700;
  color: var(--ix-navy); background: #fff; border: 1px solid #D6DCE4; border-radius: 12px; cursor: pointer;
}
.ix-sc__down.is-selected { color: var(--ix-lime-btn); background: var(--ix-navy); border-color: var(--ix-navy); }
.ix-sc__down:disabled { opacity: .45; cursor: not-allowed; }
.ix-sc__note { margin: 8px 0 0; font-size: 13px; color: var(--ix-navy-muted); }
.ix-sc__add {
  display: block; margin: 12px 0 0; padding: 8px 2px;
  font: inherit; font-size: 14px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--ix-navy); background: none; border: 0; cursor: pointer;
  text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--ix-lime-btn); text-decoration-thickness: 3px;
}
.ix-sc__add[hidden] { display: none; }
.ix-vs--sheet { margin-top: 18px; }
.ix-vs--sheet .ix-vs__row { font-size: 13.5px; }

.ix-send { margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--ix-hair); }
.ix-send__q { margin: 0 0 14px; font-size: 22px; font-weight: 800; letter-spacing: -.02em; }
.ix-field__opt { font-weight: 500; color: var(--ix-navy-muted); }
.ix-send__by { margin: 16px 0 0; padding: 0; border: 0; }
.ix-send__by[hidden] { display: none; }
.ix-send__by legend { margin-bottom: 8px; font-size: 13.5px; font-weight: 600; }
.ix-send__by label { display: inline-flex; align-items: center; gap: 7px; margin-right: 18px; min-height: 40px; font-size: 15.5px; }
.ix-send__by input { width: 18px; height: 18px; accent-color: var(--ix-navy); }
.ix-send__error { margin: 14px 0 0; padding: 10px 12px; font-size: 14px; color: #8a1c1c; background: #FDECEC; border-radius: 10px; }
.ix-send__error[hidden] { display: none; }
.ix-send .ix-btn { margin-top: 20px; }
.ix-send .ix-btn:disabled { opacity: .7; cursor: progress; }
.ix-sheet__done { padding: 16px 0 6px; text-align: center; }
.ix-sheet__done[hidden] { display: none; }
.ix-sheet__done .ix-btn { margin-top: 22px; }
.ix-sheet__done .ix-textlink { display: inline-block; margin-top: 14px; background: none; border: 0; font: inherit; font-weight: 600; cursor: pointer; }

/* ══ 4. SITUATION ═════════════════════════════════════════════════════════ */
.ix-talk { padding: 96px 0; background: var(--ix-bg-soft); }
.ix-talk .ix-btn { margin-top: 34px; }

/* ══ 5. SELF-EMPLOYED ═════════════════════════════════════════════════════ */
.ix-se { padding: 88px 0; background: var(--ix-navy); color: #fff; }
.ix-se__sub {
  margin: 18px 0 0;
  font-size: clamp(22px, 6vw, 34px);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -.025em;
  color: var(--ix-lime);
}
.ix-se__copy { margin: 28px 0 0; font-size: 17px; line-height: 1.6; color: rgba(255, 255, 255, .78); }
.ix-se__list { margin: 26px 0 34px; padding: 0; list-style: none; border-top: 1px solid rgba(255, 255, 255, .16); }
.ix-se__list li { border-bottom: 1px solid rgba(255, 255, 255, .16); }
.ix-se__list a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 54px;
  font-size: 16.5px;
  font-weight: 600;
  color: #fff;
  text-decoration: none;
}
.ix-se__list a span { color: var(--ix-lime); transition: transform .2s var(--ix-ease); }
.ix-se__list a:hover span { transform: translateX(3px); }
.ix-se__list a:focus-visible { outline: 2px solid var(--ix-lime); outline-offset: 2px; }
@media (min-width: 900px) {
  .ix-se { padding: 120px 0; }
  .ix-se__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
  .ix-se__copy { margin-top: 6px; }
}

/* ══ 6. ACTUAL NUMBERS + DEREK ════════════════════════════════════════════ */
.ix-human { padding: 88px 0 72px; scroll-margin-top: var(--nav-height); }
.ix-human__actions { display: grid; gap: 14px; margin-top: 32px; }
.ix-textlink {
  justify-self: center;
  padding: 6px 4px;
  font-size: 15px;
  font-weight: 600;
  color: var(--ix-navy);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(0, 43, 92, .3);
}
.ix-textlink:hover { text-decoration-color: var(--ix-navy); }

.ix-formwrap { margin-top: 8px; }
.ix-form {
  margin-top: 16px;
  padding: 24px 20px;
  background: var(--ix-bg-soft);
  border-radius: 22px;
}
.ix-field + .ix-field { margin-top: 16px; }
.ix-field label { display: block; margin-bottom: 7px; font-size: 13.5px; font-weight: 600; color: var(--ix-navy); }
.ix-field input,
.ix-field textarea {
  -webkit-appearance: none;
  appearance: none;
  display: block;
  width: 100%;
  padding: 14px 15px;
  font: inherit;
  font-size: 16px;           /* 16px keeps iOS from zooming on focus */
  color: var(--ix-navy);
  background: #fff;
  border: 1px solid #D6DCE4;
  border-radius: 12px;
  transition: border-color .2s var(--ix-ease), box-shadow .2s var(--ix-ease);
}
.ix-field textarea { resize: vertical; min-height: 96px; }
.ix-field input:focus,
.ix-field textarea:focus { outline: none; border-color: var(--ix-navy); box-shadow: 0 0 0 3px rgba(0, 43, 92, .12); }
.ix-form .ix-btn { margin-top: 22px; }
.ix-form .lp-form__error { margin-top: 14px; }
.ix-done { margin-top: 16px; background: var(--ix-bg-soft); border: 0; box-shadow: none; border-radius: 22px; }
.ix-done__title { margin: 0; font-size: 28px; font-weight: 800; letter-spacing: -.03em; color: var(--ix-navy); }
.ix-done__text { margin: 10px 0 0; font-size: 16px; line-height: 1.6; color: var(--ix-navy-muted); }

.ix-human__derek { margin-top: 64px; }
.ix-derek__photo {
  display: block;
  width: 78%;
  max-width: 340px;
  margin: 0 auto;
  border-bottom: 1px solid var(--ix-hair);
}
.ix-derek__photo img { display: block; width: 100%; height: auto; }
.ix-derek__card { padding-top: 20px; text-align: center; }
.ix-derek__name { font-size: 22px; font-weight: 800; letter-spacing: -.02em; color: var(--ix-navy); }
.ix-derek__role { margin-top: 4px; font-size: 14.5px; color: var(--ix-navy-muted); }
.ix-derek__lines {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 6px 18px;
  margin-top: 12px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--ix-navy);
}
.ix-derek__lines a { color: var(--ix-navy); text-decoration: none; }
.ix-derek__lines a:hover { text-decoration: underline; }

@media (min-width: 900px) {
  .ix-human { padding: 120px 0 96px; }
  .ix-human__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 80px; align-items: end; }
  .ix-human__copy { max-width: 620px; }
  .ix-human .ix-display { font-size: clamp(48px, 4.6vw, 64px); }
  .ix-human__derek { margin-top: 0; }
  .ix-human__actions { max-width: 460px; }
  .ix-textlink { justify-self: start; }
}

/* ══ STANDALONE CALCULATORS ═══════════════════════════════════════════════
   /affordability-calculator and /mortgage-payment-calculator: the two
   calculators that used to sit under "More Tools" here, on their own pages.
   Their own styles are untouched; this only frames them. */
.ix-more { background: var(--ix-bg-soft); }
.ix-more > .section { background: transparent; }
.page-calc__main { padding-top: var(--nav-height); min-height: 70vh; }
.page-calc__more { padding-top: 0; }
.page-calc__links { margin: 0; font-size: 15px; line-height: 1.9; color: var(--ix-navy-muted); }

/* ── Motion ── */
@media (prefers-reduced-motion: reduce) {
  .ix-btn, .ix-round, .ix-choice, .ix-btn__arrow, .ix-se__list a span { transition: none; }
  .ix-results.is-in { animation: none; }
}
.ix-derek__co { margin-top: 10px; font-size: 12.5px; color: var(--ix-navy-muted); }

/* The send sheet's done state toggles a flex button with [hidden]. */
.ix-sheet__done [hidden] { display: none; }