.refi-page {
	--refi-ink: #172033;
	--refi-muted: #5c687a;
	--refi-line: #d8e2ed;
	--refi-card: #ffffff;
	--refi-soft: #f5f8fc;
	--refi-navy: #121d31;
	--refi-blue: #2867d6;
	--refi-teal: #118a7e;
	--refi-gold: #d4931d;
	--refi-red: #c84f47;
}

.refi-page .refi-hero,
.refi-page .refi-tool,
.refi-page .refi-content-card,
.refi-page .refi-section,
.refi-page .disclaimer {
	background: var(--refi-card);
	border: 1px solid var(--refi-line);
	border-radius: 8px;
	box-shadow: 0 18px 44px rgba(18, 29, 49, 0.1);
}

.refi-page .refi-hero {
	display: grid;
	grid-template-columns: minmax(0, 1fr) 360px;
	gap: 28px;
	align-items: center;
	margin-bottom: 22px;
	padding: 34px;
	background:
		linear-gradient(135deg, rgba(40, 103, 214, 0.09), rgba(17, 138, 126, 0.08)),
		#ffffff;
	overflow: hidden;
}

.refi-page .refi-hero h1 {
	font-size: clamp(34px, 5vw, 52px);
}

.refi-page .refi-hero p {
	max-width: 760px;
	color: var(--refi-muted);
	font-size: 17px;
}

.refi-page .refi-hero-visual {
	padding: 22px;
	color: #ffffff;
	background: var(--refi-navy);
	border-radius: 8px;
}

.refi-page .loan-bridge {
	display: grid;
	grid-template-columns: 1fr 54px 1fr;
	gap: 10px;
	align-items: center;
	margin-bottom: 22px;
}

.refi-page .loan-bridge span {
	padding: 10px;
	text-align: center;
	background: rgba(255, 255, 255, 0.12);
	border: 1px solid rgba(255, 255, 255, 0.15);
	border-radius: 7px;
	font-size: 13px;
	font-weight: 900;
}

.refi-page .loan-bridge i {
	display: block;
	height: 4px;
	background: linear-gradient(90deg, var(--refi-blue), var(--refi-teal));
	border-radius: 999px;
}

.refi-page .refi-hero-visual strong {
	display: block;
	font-size: 42px;
	line-height: 1;
}

.refi-page .refi-hero-visual p {
	margin: 8px 0 0;
	color: rgba(255, 255, 255, 0.78);
	font-size: 14px;
}

.refi-page .refi-tool {
	display: grid;
	grid-template-columns: minmax(0, 1.05fr) minmax(360px, 0.95fr);
	gap: 24px;
	margin-bottom: 22px;
	padding: 24px;
	align-items: start;
}

.refi-page .panel-heading p {
	margin: 6px 0 0;
	color: var(--refi-muted);
}

.refi-page .refi-input-panel,
.refi-page .refi-result-panel {
	display: grid;
	gap: 16px;
}

.refi-page .refi-input-card,
.refi-page .compare-card,
.refi-page .formula-box {
	padding: 18px;
	background: #ffffff;
	border: 1px solid var(--refi-line);
	border-radius: 8px;
}

.refi-page .current-card {
	border-left: 5px solid var(--refi-gold);
}

.refi-page .new-card {
	border-left: 5px solid var(--refi-teal);
}

.refi-page .refi-input-card h3 {
	margin-bottom: 14px;
}

.refi-page .field-grid {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 14px;
}

.refi-page .field {
	display: grid;
	gap: 7px;
	color: #29364a;
	font-size: 13px;
	font-weight: 900;
}

.refi-page .field input,
.refi-page .field select {
	width: 100%;
	min-height: 44px;
	padding: 10px 12px;
	color: var(--refi-ink);
	background: var(--refi-soft);
	border: 1px solid var(--refi-line);
	border-radius: 7px;
	font: inherit;
	font-weight: 800;
}

.refi-page .field input:focus,
.refi-page .field select:focus {
	outline: 3px solid rgba(17, 138, 126, 0.16);
	border-color: var(--refi-teal);
	background: #ffffff;
}

.refi-page .refi-status-card {
	padding: 24px;
	color: #ffffff;
	background:
		linear-gradient(135deg, rgba(17, 138, 126, 0.94), rgba(18, 29, 49, 0.98)),
		var(--refi-navy);
	border-radius: 8px;
}

.refi-page .refi-status-card span {
	color: #bff7ee;
	font-size: 13px;
	font-weight: 900;
	text-transform: uppercase;
}

.refi-page .refi-status-card strong {
	display: block;
	margin-top: 8px;
	font-size: clamp(38px, 6vw, 58px);
	line-height: 1;
}

.refi-page .refi-status-card p {
	margin: 12px 0 0;
	color: rgba(255, 255, 255, 0.86);
	font-size: 16px;
}

.refi-page .refi-metric-grid {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 12px;
}

.refi-page .refi-metric-grid div {
	padding: 16px;
	background: #ffffff;
	border: 1px solid var(--refi-line);
	border-radius: 8px;
}

.refi-page .refi-metric-grid span,
.refi-page .compare-row span {
	display: block;
	color: var(--refi-muted);
	font-size: 12px;
	font-weight: 900;
	text-transform: uppercase;
}

.refi-page .refi-metric-grid strong {
	display: block;
	margin-top: 8px;
	color: var(--refi-ink);
	font-size: 21px;
}

.refi-page .compare-card h3,
.refi-page .formula-box h3 {
	margin-bottom: 12px;
}

.refi-page .compare-row {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 14px;
	padding: 12px 0;
	border-top: 1px solid var(--refi-line);
}

.refi-page .compare-row:first-of-type {
	border-top: 0;
}

.refi-page .compare-row strong {
	color: var(--refi-ink);
	font-size: 18px;
	text-align: right;
}

.refi-page .compare-row.highlight {
	margin: 4px -8px -4px;
	padding: 14px 8px;
	background: #edf8f5;
	border-radius: 7px;
}

.refi-page .refi-bars {
	display: grid;
	gap: 12px;
	padding: 16px;
	background: #ffffff;
	border: 1px solid var(--refi-line);
	border-radius: 8px;
}

.refi-page .refi-bars div {
	display: grid;
	grid-template-columns: 128px minmax(0, 1fr);
	gap: 12px;
	align-items: center;
}

.refi-page .refi-bars span {
	color: var(--refi-muted);
	font-size: 12px;
	font-weight: 900;
	text-transform: uppercase;
}

.refi-page .refi-bars i {
	display: block;
	width: 0;
	height: 18px;
	background: var(--refi-gold);
	border-radius: 999px;
	transition: width 0.2s ease;
}

.refi-page .refi-bars div:nth-child(2) i {
	background: var(--refi-teal);
}

.refi-page .formula-box p {
	margin: 0;
	color: var(--refi-muted);
}

.refi-page .copy-button {
	width: 100%;
	min-height: 48px;
	color: #ffffff;
	background: var(--refi-teal);
	border: 0;
	border-radius: 7px;
	font: inherit;
	font-weight: 900;
	cursor: pointer;
}

.refi-page .copy-button:hover {
	background: #0c7369;
}

.refi-page .copy-status {
	min-height: 20px;
	margin: 0;
	color: var(--refi-teal);
	font-size: 13px;
	font-weight: 800;
}

.refi-page .refi-content-grid {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 22px;
	margin-bottom: 22px;
}

.refi-page .refi-content-card,
.refi-page .refi-section {
	padding: 24px;
}

.refi-page .refi-content-card p,
.refi-page .refi-content-card li,
.refi-page .refi-section p,
.refi-page .refi-section li {
	color: var(--refi-muted);
}

.refi-page .refi-content-card ul,
.refi-page .refi-checklist ul {
	margin: 14px 0 0;
	padding-left: 20px;
}

.refi-page .refi-section {
	margin-bottom: 22px;
}

.refi-page .section-heading {
	max-width: 820px;
	margin-bottom: 18px;
}

.refi-page .scenario-grid,
.refi-page .related-grid {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	gap: 16px;
}

.refi-page .related-grid {
	grid-template-columns: repeat(4, minmax(0, 1fr));
}

.refi-page .scenario-grid article,
.refi-page .related-grid a {
	padding: 18px;
	background: var(--refi-soft);
	border: 1px solid var(--refi-line);
	border-radius: 8px;
}

.refi-page .scenario-grid span,
.refi-page .related-grid span {
	color: var(--refi-teal);
	font-size: 12px;
	font-weight: 900;
	text-transform: uppercase;
}

.refi-page .related-grid a {
	color: inherit;
	text-decoration: none;
}

.refi-page .related-grid strong {
	display: block;
	margin: 8px 0;
	color: var(--refi-ink);
	font-size: 17px;
}

.refi-page .refi-split-section {
	display: grid;
	grid-template-columns: minmax(0, 1fr) 330px;
	gap: 24px;
	background:
		linear-gradient(135deg, rgba(40, 103, 214, 0.08), rgba(212, 147, 29, 0.08)),
		#ffffff;
}

.refi-page .refi-checklist {
	padding: 18px;
	background: #ffffff;
	border: 1px solid var(--refi-line);
	border-radius: 8px;
}

.refi-page .refi-checklist strong {
	color: var(--refi-ink);
	font-size: 18px;
}

.refi-page .faq-list {
	display: grid;
	gap: 12px;
}

.refi-page .faq-list details {
	padding: 16px;
	background: var(--refi-soft);
	border: 1px solid var(--refi-line);
	border-radius: 8px;
}

.refi-page .faq-list summary {
	color: var(--refi-ink);
	font-weight: 900;
	cursor: pointer;
}

.refi-page .faq-list p {
	margin: 10px 0 0;
}

.refi-page .disclaimer {
	padding: 22px;
	background: #fff8ed;
}

.refi-page .disclaimer p {
	margin: 0;
	color: #6f4c17;
}

@media (max-width: 980px) {
	.refi-page .refi-hero,
	.refi-page .refi-tool,
	.refi-page .refi-content-grid,
	.refi-page .refi-split-section {
		grid-template-columns: 1fr;
	}

	.refi-page .scenario-grid,
	.refi-page .related-grid {
		grid-template-columns: 1fr;
	}
}

@media (max-width: 640px) {
	.refi-page .refi-hero,
	.refi-page .refi-tool,
	.refi-page .refi-content-card,
	.refi-page .refi-section {
		padding: 18px;
	}

	.refi-page .field-grid,
	.refi-page .refi-metric-grid,
	.refi-page .loan-bridge {
		grid-template-columns: 1fr;
	}

	.refi-page .refi-bars div {
		grid-template-columns: 1fr;
	}
}