/* ============================================================
   page-refi.css — Refinance Calculator page styles
   BEM: ar-refi-hero__*, ar-refi-form__*, ar-refi-result__*,
        ar-refi-info__*, ar-refi-step__*, ar-refi-faq
   ============================================================ */

/* ----------------------------------------------------------
   HERO SECTION — two-column layout
   ---------------------------------------------------------- */
.ar-refi-hero {
  background-color: var(--color-white);
  padding: 5rem 0 6.25rem;
}

.ar-refi-hero__inner {
  max-width: var(--content-max);
  margin: 0 auto;
  padding: 0 var(--section-px);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.75rem;
  align-items: flex-start;
}

.ar-refi-hero__content {
  min-width: 0;
}

.ar-refi-hero__title {
  font-family: var(--font-inter);
  font-weight: 700;
  font-size: clamp(3rem, 6vw, 6rem);
  line-height: 1;
  color: var(--color-dark);
  letter-spacing: -0.06em;
  text-transform: uppercase;
  margin: 1.75rem 0 1.5rem;
}

.ar-refi-hero__desc {
  font-family: var(--font-inter);
  font-size: var(--fs-lg);
  line-height: 1.53;
  color: rgb(38, 38, 38);
  letter-spacing: -0.06em;
  margin-bottom: 2.5rem;
}

/* ----------------------------------------------------------
   CALCULATOR FORM
   ---------------------------------------------------------- */
.ar-refi-form {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.ar-refi-form__field {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.ar-refi-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.ar-refi-form__label {
  font-family: var(--font-inter);
  font-weight: 600;
  font-size: var(--fs-sm);
  color: var(--color-dark);
  letter-spacing: -0.05em;
  display: flex;
  align-items: center;
  gap: 0.375rem;
}

.ar-refi-form__info {
  color: rgb(104, 104, 104);
  display: inline-flex;
  align-items: center;
  cursor: help;
  flex-shrink: 0;
}

.ar-refi-form__input-wrap {
  position: relative;
}

.ar-refi-form__input-wrap--prefix .ar-refi-form__input {
  padding-left: 1.75rem;
}

.ar-refi-form__prefix {
  position: absolute;
  left: 1rem;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-inter);
  font-size: 0.875rem;
  color: rgb(117, 117, 117);
  pointer-events: none;
}

.ar-refi-form__input {
  width: 100%;
  height: 3rem;
  border-radius: 6.25rem;
  border: 1px solid rgba(3, 11, 26, 0.12);
  background-color: rgb(254, 254, 254);
  padding: 0 1rem;
  font-family: var(--font-inter);
  font-size: 0.875rem;
  color: var(--color-dark);
  letter-spacing: -0.03em;
  outline: none;
  transition: border-color 0.2s;
  appearance: none;
  box-sizing: border-box;
}

.ar-refi-form__input:focus {
  border-color: var(--color-dark);
  background-color: var(--color-white);
}

.ar-refi-form__input::placeholder {
  color: rgb(117, 117, 117);
}

/* Select arrow */
.ar-refi-form__select {
  background-image: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1L5 5L9 1' stroke='%23686868' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}

/* Fieldset */
.ar-refi-form__fieldset {
  border: none;
  margin: 0;
  padding: 0;
}

.ar-refi-form__legend {
  font-family: var(--font-inter);
  font-size: var(--fs-sm);
  color: rgb(19, 19, 19);
  line-height: 1.5;
  letter-spacing: -0.05em;
  margin-bottom: 0.75rem;
}

/* Toggle-style radio buttons */
.ar-refi-form__toggle-group {
  display: flex;
  gap: 0.5rem;
}

.ar-refi-form__toggle-label {
  cursor: pointer;
}

.ar-refi-form__toggle-radio {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.ar-refi-form__toggle-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 2.5rem;
  padding: 0 1.5rem;
  border-radius: 6.25rem;
  border: 1px solid rgba(3, 11, 26, 0.15);
  background-color: var(--color-white);
  font-family: var(--font-inter);
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--color-dark);
  letter-spacing: -0.03em;
  transition: background-color 0.2s, color 0.2s, border-color 0.2s;
}

.ar-refi-form__toggle-radio:checked + .ar-refi-form__toggle-btn,
.ar-refi-form__toggle-btn--active {
  background-color: var(--color-dark);
  color: var(--color-white);
  border-color: var(--color-dark);
}

/* Submit button */
.ar-refi-form__submit {
  width: 100%;
  justify-content: center;
  margin-top: 0.5rem;
}

/* Legal disclaimer */
.ar-refi-form__legal {
  font-family: var(--font-inter);
  font-size: 0.75rem;
  line-height: 1.6;
  color: rgb(104, 104, 104);
  letter-spacing: -0.02em;
}

.ar-refi-form__legal strong {
  font-weight: 700;
  color: rgb(21, 21, 21);
}

/* ----------------------------------------------------------
   RESULTS PANEL
   ---------------------------------------------------------- */
.ar-refi-result {
  position: sticky;
  top: 7.5rem;
}

.ar-refi-result__card {
  background-color: var(--color-white);
  border-radius: 1.375rem;
  box-shadow: 0 0.25rem 1rem rgba(19, 19, 19, 0.12), 0 1px 0.25rem rgba(19, 19, 19, 0.08);
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.ar-refi-result__label {
  font-family: var(--font-inter);
  font-weight: 600;
  font-size: 1.25rem;
  color: var(--color-dark);
  letter-spacing: -0.07em;
  text-transform: uppercase;
  margin: 0;
}

.ar-refi-result__amount {
  font-family: var(--font-inter);
  font-weight: 700;
  font-size: 3.5rem;
  line-height: 1;
  color: var(--color-dark);
  letter-spacing: -0.04em;
  margin: 0;
}

.ar-refi-result__breakdown {
  display: flex;
  flex-direction: column;
  gap: 0;
  background-color: var(--color-light);
  border-radius: 1rem;
  padding: 0.5rem 0;
}

.ar-refi-result__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 1.25rem;
  gap: 1rem;
}

.ar-refi-result__row + .ar-refi-result__row {
  border-top: 1px solid rgba(3, 11, 26, 0.06);
}

.ar-refi-result__row-label {
  font-family: var(--font-inter);
  font-size: 0.875rem;
  color: rgb(60, 60, 60);
  letter-spacing: -0.04em;
}

.ar-refi-result__row-value {
  font-family: var(--font-inter);
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-dark);
  letter-spacing: -0.04em;
  white-space: nowrap;
}

.ar-refi-result__cta {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.ar-refi-result__cta-text {
  font-family: var(--font-inter);
  font-size: 0.875rem;
  line-height: 1.5;
  color: rgb(0, 0, 0);
  letter-spacing: -0.06em;
  margin: 0;
}

.ar-refi-result__cta .ar-btn {
  align-self: flex-start;
}

/* ----------------------------------------------------------
   HOW IT WORKS SECTION
   ---------------------------------------------------------- */
.ar-refi-info {
  background-color: var(--color-light);
  padding: var(--section-py) 0;
}

.ar-refi-info__inner {
  max-width: var(--content-max);
  margin: 0 auto;
  padding: 0 var(--section-px);
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 3.75rem;
  align-items: flex-start;
}

.ar-refi-info__title {
  font-family: var(--font-inter);
  font-weight: 700;
  font-size: clamp(2rem, 3.5vw, 3.5rem);
  line-height: 1.05;
  color: var(--color-dark);
  letter-spacing: -0.05em;
  text-transform: uppercase;
  position: sticky;
  top: 7.5rem;
}

.ar-refi-info__intro {
  font-family: var(--font-inter);
  font-size: var(--fs-base);
  line-height: 1.6;
  color: rgb(60, 60, 60);
  letter-spacing: -0.04em;
  margin-bottom: 2.5rem;
}

.ar-refi-steps {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.ar-refi-step {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  padding: 2rem 0;
  border-top: 1px solid rgba(3, 11, 26, 0.12);
}

.ar-refi-step:first-child {
  border-top: none;
  padding-top: 0;
}

.ar-refi-step__num {
  font-family: var(--font-inter-tight);
  font-weight: 600;
  font-size: var(--fs-xl);
  color: var(--color-dark);
  flex-shrink: 0;
  width: 2.5rem;
}

.ar-refi-step__body {
  flex: 1;
  min-width: 0;
}

.ar-refi-step__title {
  font-family: var(--font-inter);
  font-weight: 700;
  font-size: var(--fs-lg);
  color: var(--color-dark);
  letter-spacing: -0.04em;
  margin: 0 0 0.5rem;
}

.ar-refi-step__desc {
  font-family: var(--font-inter);
  font-size: var(--fs-base);
  line-height: 1.6;
  color: rgb(60, 60, 60);
  letter-spacing: -0.03em;
  margin: 0;
}

/* ----------------------------------------------------------
   RESPONSIVE
   ---------------------------------------------------------- */
@media (max-width: 1100px) {
  .ar-refi-hero__inner {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .ar-refi-result {
    position: static;
  }

  .ar-refi-info__inner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .ar-refi-info__title {
    position: static;
  }
}

@media (max-width: 768px) {
  .ar-refi-hero {
    padding: 3.75rem 0 4.5rem;
  }

  .ar-refi-hero__title {
    font-size: clamp(2.25rem, 10vw, 3.5rem);
    margin: 1.25rem 0 1.25rem;
  }

  .ar-refi-form__row {
    grid-template-columns: 1fr;
  }

  .ar-refi-result__card {
    padding: 1.75rem 1.5rem;
  }

  .ar-refi-result__amount {
    font-size: 2.5rem;
  }
}

/* ---------------------------------------------------------------
   Calculator layout: form on the left, result card on the right
   --------------------------------------------------------------- */

.ar-refi-calc {
	background-color: var(--color-light);
	padding: 0 var(--section-px) 5rem;
}

.ar-refi-calc__inner {
	align-items: start;
	display: grid;
	gap: 3rem;
	grid-template-columns: 1fr;
	margin: 0 auto;
	max-width: var(--content-max);
}

@media (min-width: 1024px) {
	.ar-refi-calc__inner {
		gap: 4.5rem;
		grid-template-columns: 1.05fr 0.95fr;
	}
}

/* Two fields side by side, as in the reference. */
.ar-refi-form__row {
	display: grid;
	gap: 1.25rem;
	grid-template-columns: 1fr;
}

@media (min-width: 680px) {
	.ar-refi-form__row {
		grid-template-columns: 1fr 1fr;
	}
}

.ar-refi-form__field {
	display: flex;
	flex-direction: column;
	gap: 0.5rem;
}

.ar-refi-form__label {
	font-family: var(--font-inter);
	font-size: 1rem;
	font-weight: 600;
	letter-spacing: -0.05rem;
}

/* The $ and % markers are positioned inside the pill by the original design;
   the field just needs room for them. */
.ar-refi-form__input-wrap {
	position: relative;
}

.ar-refi-form__prefix {
	color: var(--color-muted);
	font-family: var(--font-inter);
	font-size: 1.125rem;
}

.ar-refi-form__select {
	appearance: none;
	background-color: rgb(254, 254, 254);
	border: 1px solid rgba(3, 11, 26, 0.12);
	border-radius: 6.25rem;
	font-family: var(--font-inter);
	font-size: 1.125rem;
	height: 3rem;
	padding: 0 2.5rem 0 1.25rem;
	width: 100%;
}

.ar-refi-form__fieldset {
	border: 0;
	margin: 0;
	padding: 0;
}

.ar-refi-form__legend {
	font-family: var(--font-inter);
	font-size: 1rem;
	font-weight: 600;
	letter-spacing: -0.05rem;
	margin-bottom: 0.75rem;
	padding: 0;
}

.ar-refi-form__toggle-group {
	display: inline-flex;
	gap: 0.5rem;
}

.ar-refi-form__toggle-label {
	cursor: pointer;
}

.ar-refi-form__toggle-radio {
	height: 1px;
	opacity: 0;
	position: absolute;
	width: 1px;
}

.ar-refi-form__toggle-btn {
	border: 1px solid rgba(3, 11, 26, 0.12);
	border-radius: 6.25rem;
	display: inline-block;
	font-family: var(--font-inter);
	font-size: 1rem;
	font-weight: 600;
	padding: 0.625rem 1.75rem;
	transition: background-color 0.2s, color 0.2s;
}

.ar-refi-form__toggle-btn--active {
	background: var(--color-dark);
	border-color: var(--color-dark);
	color: var(--color-white);
}

.ar-refi-form__toggle-radio:focus-visible + .ar-refi-form__toggle-btn {
	outline: 2px solid var(--color-dark);
	outline-offset: 2px;
}

/* Result card */

.ar-refi-result__head {
	align-items: baseline;
	display: flex;
	gap: 1rem;
	justify-content: space-between;
}

.ar-refi-result__label {
	font-family: var(--font-inter);
	font-size: 1.5rem;
	font-weight: 700;
	letter-spacing: -0.1rem;
	margin: 0;
	text-transform: uppercase;
}

.ar-refi-result__amount {
	font-family: var(--font-inter);
	font-size: 3rem;
	font-weight: 700;
	letter-spacing: -0.21rem;
	line-height: 1;
	margin: 0;
}

.ar-refi-result__offer {
	background: var(--color-light);
	border-radius: 1.25rem;
	display: flex;
	flex-direction: column;
	gap: 1.25rem;
	margin-top: 1.75rem;
	padding: 1.5rem;
}

.ar-refi-result__cta-text {
	color: var(--color-muted);
	font-family: var(--font-inter);
	font-size: 1.0625rem;
	line-height: 1.45;
	margin: 0;
}

.ar-refi-result__cta {
	justify-content: center;
	width: 100%;
}

.ar-refi-result__breakdown {
	display: flex;
	flex-direction: column;
	gap: 0.75rem;
	margin-top: 1.5rem;
}

.ar-refi-result__row {
	border-bottom: 1px solid var(--color-border-2);
	display: flex;
	gap: 1rem;
	justify-content: space-between;
	padding-bottom: 0.75rem;
}

.ar-refi-result__row-label {
	color: var(--color-muted);
	font-family: var(--font-inter);
	font-size: 1.0625rem;
}

.ar-refi-result__row-value {
	font-family: var(--font-inter);
	font-size: 1.0625rem;
	font-weight: 700;
}

.ar-refi-form__info {
	color: var(--color-muted);
	font-family: var(--font-inter);
	font-size: 0.9375rem;
	margin: -0.25rem 0 0.5rem;
}

.ar-refi-form__legal {
	color: var(--color-muted);
	font-family: var(--font-inter);
	font-size: 0.9375rem;
	line-height: 1.45;
	margin: 1.25rem 0 0;
}

/* Hero above the calculator */

.ar-refi-hero {
	background-color: var(--color-light);
	padding: 9rem var(--section-px) 3rem;
}

.ar-refi-hero__inner {
	margin: 0 auto;
	max-width: var(--content-max);
}

.ar-refi-hero__title {
	font-family: var(--font-inter);
	font-size: 4.875rem;
	font-weight: 700;
	letter-spacing: -0.2925rem;
	line-height: 1;
	margin: 0.5rem 0 1.25rem;
	text-transform: uppercase;
}

.ar-refi-hero__desc {
	color: var(--color-muted);
	font-family: var(--font-inter);
	font-size: 1.25rem;
	letter-spacing: -0.075rem;
	line-height: 1.5;
	margin: 0;
	max-width: 34rem;
}

/* Leave room for the marker so it never sits on top of the value. */

.ar-refi-form__input-wrap--prefix .ar-refi-form__input {
	padding-left: 2.25rem;
}

/* The rate field carries its marker after the value, not before it. */

.ar-refi-form__input-wrap--suffix .ar-refi-form__prefix {
	left: auto;
	right: 1.25rem;
}

.ar-refi-form__input-wrap--suffix .ar-refi-form__input {
	/* Clears the marker (18.75px from the right, ~17px wide) plus a gap. */
	padding-right: 3rem;
}

/* Without this the field's padding is added to its 100% width, so it spills
   past the pill and the trailing marker lands on top of the value. */

.ar-refi-form__input,
.ar-refi-form__select {
	box-sizing: border-box;
}

.ar-refi-form__error {
	color: #c0392b;
	font-family: var(--font-inter);
	font-size: 1rem;
	line-height: 1.4;
	margin: 0;
	min-height: 1.4em;
}