/* =========================================================================
   BUILDER FORWARD PROGRAM — Referral partner page styles
   -------------------------------------------------------------------------
   Dark theme matching Elevation Mortgage brand (bg #121212, gold #967b45,
   Montserrat family). Class prefix: .hb-
   ========================================================================= */

.hb-wrap {
  --hb-bg:          #121212;
  --hb-surface:     #1a1a1a;
  --hb-surface-2:   #232323;
  --hb-border:      #2a2a2a;
  --hb-gold:        #967b45;
  --hb-gold-hover:  #b19555;
  --hb-cream:       #f5efe0;
  --hb-body:        #cfc9be;
  --hb-muted:       #8f887a;
  --hb-green:       #7cb342;
  --hb-amber:       #e5a000;
  --hb-red:         #d16b6b;

  background: var(--hb-bg);
  color: var(--hb-body);
  font-family: 'Montserrat', sans-serif;
  padding: 40px 24px 80px;
  max-width: 1160px;
  margin: 0 auto;
  line-height: 1.55;
}

.hb-wrap * { box-sizing: border-box; }

/* ── Hero ──────────────────────────────────────────────── */
.hb-hero {
  padding: 30px 0 40px;
  border-bottom: 1px solid var(--hb-border);
  margin-bottom: 40px;
}
.hb-eyebrow {
  font-size: 0.78rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--hb-gold);
  font-weight: 600;
  margin-bottom: 20px;
}
.hb-hero-title {
  font-size: 2.4rem;
  line-height: 1.15;
  color: var(--hb-cream);
  font-weight: 700;
  margin: 0 0 20px;
  text-transform: uppercase;
  letter-spacing: -0.005em;
}
.hb-hero-accent { color: var(--hb-gold); display: block; }
.hb-hero-sub {
  font-size: 1.05rem;
  color: var(--hb-body);
  margin: 0;
  max-width: 720px;
}

/* ── Program at a glance strip ────────────────────────── */
.hb-glance {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin: 0 0 60px;
  padding: 20px 24px;
  background: var(--hb-surface);
  border: 1px solid var(--hb-border);
  border-radius: 10px;
}
.hb-glance-item {
  text-align: center;
  padding: 6px 8px;
  border-right: 1px solid rgba(255,255,255,0.06);
}
.hb-glance-item:last-child { border-right: none; }
.hb-glance-num {
  color: var(--hb-gold);
  font-size: 1.5rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.005em;
  margin-bottom: 6px;
}
.hb-glance-label {
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--hb-muted);
  font-weight: 600;
}
@media (max-width: 720px) {
  .hb-glance {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    padding: 18px;
  }
  .hb-glance-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.06); padding-bottom: 12px; }
  .hb-glance-item:nth-child(n+3) { border-bottom: none; padding-bottom: 6px; }
  .hb-glance-num { font-size: 1.25rem; }
}

/* ── Pull-quote in "problem with the cut" ─────────────── */
.hb-pullquote {
  font-size: 1.4rem;
  line-height: 1.35;
  color: var(--hb-cream);
  font-weight: 600;
  margin: 20px 0;
  max-width: 720px;
}
@media (max-width: 720px) { .hb-pullquote { font-size: 1.15rem; } }

/* ── Sections + typography ────────────────────────────── */
.hb-section { margin: 60px 0; }
.hb-section-eyebrow {
  font-size: 0.78rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--hb-gold);
  font-weight: 700;
  margin: 0 0 16px;
}
.hb-h2 {
  color: var(--hb-cream);
  font-size: 1.9rem;
  font-weight: 700;
  margin: 0 0 20px;
  line-height: 1.2;
}
.hb-accent { color: var(--hb-gold); }
.hb-accent-big {
  color: var(--hb-gold);
  font-weight: 700;
}
.hb-lead {
  font-size: 1.05rem;
  color: var(--hb-body);
  max-width: 800px;
  margin: 0 0 24px;
}
.hb-body { color: var(--hb-body); margin: 0 0 14px; }

/* ── Static comparison card (Option A vs B) ─────────────── */
.hb-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 26px 0 16px;
}
.hb-compare-col {
  background: var(--hb-surface);
  border: 1px solid var(--hb-border);
  border-radius: 10px;
  padding: 22px 24px;
}
.hb-compare-b {
  background: linear-gradient(180deg, #191512 0%, #1c1815 100%);
  border-color: var(--hb-gold);
  box-shadow: 0 0 0 1px rgba(150, 123, 69, 0.15);
}
.hb-compare-head {
  font-weight: 700;
  color: var(--hb-cream);
  font-size: 0.9rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--hb-border);
  margin-bottom: 14px;
}
.hb-compare-b .hb-compare-head { color: var(--hb-gold); }
.hb-compare-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  font-size: 0.95rem;
  color: var(--hb-body);
  gap: 12px;
  align-items: baseline;
}
.hb-compare-row strong { color: var(--hb-cream); font-weight: 600; }
.hb-compare-b .hb-compare-row strong { color: var(--hb-gold); font-weight: 700; }
.hb-compare-headline {
  margin-top: 20px;
  padding: 18px 20px;
  background: var(--hb-surface-2);
  border-radius: 4px;
}
.hb-compare-headline > span:first-child {
  font-size: 1.4rem;
  color: var(--hb-cream);
  font-weight: 700;
}
.hb-fine {
  font-size: 0.82rem;
  color: var(--hb-muted);
  margin: 8px 0 0;
  line-height: 1.5;
}
.hb-note-inline {
  margin-top: 20px;
  padding: 12px 16px;
  border: 1px solid var(--hb-gold);
  border-radius: 6px;
  color: var(--hb-cream);
  background: rgba(150, 123, 69, 0.08);
  font-size: 0.95rem;
}

/* ── Calculator ───────────────────────────────────────── */
.hb-calc-section {
  background: #0f0f0f;
  padding: 40px 30px;
  border-radius: 12px;
  border: 1px solid var(--hb-border);
}
.hb-calc { display: grid; gap: 22px; margin-top: 22px; }
.hb-calc-card {
  background: var(--hb-surface);
  border: 1px solid var(--hb-border);
  border-radius: 10px;
  padding: 22px 24px;
}
.hb-calc-step {
  color: var(--hb-gold);
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 700;
  margin: 0 0 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--hb-border);
}
.hb-form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 16px 20px;
}
.hb-field { display: flex; flex-direction: column; }
.hb-field label {
  color: var(--hb-cream);
  font-weight: 600;
  font-size: 0.85rem;
  margin-bottom: 6px;
}
.hb-input {
  background: var(--hb-surface-2);
  border: 1px solid var(--hb-border);
  color: var(--hb-cream);
  border-radius: 6px;
  padding: 9px 12px;
  font-size: 0.95rem;
  font-family: inherit;
  width: 100%;
  transition: border-color 0.15s;
}
.hb-input:focus { outline: none; border-color: var(--hb-gold); }
.hb-input-wrap {
  display: flex;
  align-items: center;
  background: var(--hb-surface-2);
  border: 1px solid var(--hb-border);
  border-radius: 6px;
  overflow: hidden;
}
.hb-input-wrap:focus-within { border-color: var(--hb-gold); }
.hb-input-wrap .hb-input { border: none; background: transparent; }
.hb-input-wrap .hb-prefix,
.hb-input-wrap .hb-suffix {
  padding: 0 12px;
  color: var(--hb-muted);
  font-size: 0.95rem;
  background: rgba(255,255,255,0.02);
}
.hb-input-wrap .hb-prefix { border-right: 1px solid var(--hb-border); }
.hb-input-wrap .hb-suffix { border-left: 1px solid var(--hb-border); }
.hb-hint {
  font-size: 0.76rem;
  color: var(--hb-muted);
  margin-top: 4px;
  line-height: 1.4;
}

/* Inventory loan mix inputs (3 percentage fields side-by-side) */
.hb-field-wide { grid-column: 1 / -1; }
.hb-mix {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 4px;
}
.hb-mix-item { display: flex; flex-direction: column; }
.hb-mix-item label {
  font-size: 0.78rem;
  color: var(--hb-cream);
  font-weight: 600;
  margin-bottom: 4px;
  letter-spacing: 0.04em;
}
.hb-hint-ok   { color: var(--hb-green); }
.hb-hint-warn { color: var(--hb-amber); }
@media (max-width: 720px) {
  .hb-mix { grid-template-columns: repeat(3, 1fr); gap: 8px; }
}

/* Per-program rate matrix (Step 1) */
.hb-rate-matrix {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 4px;
}
.hb-rate-header,
.hb-rate-row {
  display: grid;
  grid-template-columns: minmax(80px, 1fr) 1fr 1fr;
  gap: 12px;
  align-items: center;
}
.hb-rate-header {
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--hb-muted);
  font-weight: 600;
  padding-left: 4px;
}
.hb-rate-header > span { text-align: left; }
.hb-rate-label {
  color: var(--hb-cream);
  font-weight: 600;
  font-size: 0.9rem;
}
@media (max-width: 720px) {
  .hb-rate-header, .hb-rate-row { grid-template-columns: 60px 1fr 1fr; gap: 6px; }
  .hb-rate-header { font-size: 0.66rem; }
}

/* Per-program buyer payment cards (Step 3) */
.hb-program-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
  margin-top: 12px;
}
.hb-program-card {
  background: var(--hb-surface-2);
  border: 1px solid var(--hb-gold);
  border-radius: 8px;
  padding: 16px 18px;
}
.hb-program-head {
  font-size: 0.9rem;
  color: var(--hb-cream);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 10px;
}
.hb-program-pct {
  color: var(--hb-muted);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  text-transform: none;
}
.hb-program-row {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  font-size: 0.9rem;
  color: var(--hb-body);
  gap: 10px;
}
.hb-program-row > span:last-child { color: var(--hb-cream); text-align: right; }
.hb-program-a { color: var(--hb-body); }
.hb-program-b > span:last-child strong { color: var(--hb-gold); }
.hb-program-c > span:last-child strong { color: var(--hb-gold); }
.hb-program-c > span:last-child { font-size: 0.85rem; }
.hb-program-advantage-alt {
  margin-top: 6px;
  font-size: 0.85rem;
  color: var(--hb-body);
}
.hb-program-advantage-alt strong { color: var(--hb-gold); }
.hb-program-divider {
  height: 1px;
  background: rgba(255,255,255,0.06);
  margin: 6px 0;
}
.hb-program-advantage {
  margin-top: 12px;
  padding-top: 10px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.88rem;
  color: var(--hb-body);
  text-align: left;
}
.hb-program-advantage strong { color: var(--hb-gold); }

/* Results block */
.hb-results { display: flex; flex-direction: column; gap: 4px; }
.hb-r-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  gap: 12px;
  font-size: 0.95rem;
}
.hb-r-row:last-child { border-bottom: none; }
.hb-r-row > span:first-child { color: var(--hb-body); }
.hb-r-row .bf-value {
  color: var(--hb-cream);
  font-weight: 600;
  text-align: right;
}
.hb-r-total {
  margin-top: 6px;
  padding: 12px 0;
  border-top: 1px solid var(--hb-gold);
  border-bottom: none;
}
.hb-r-total > span:first-child { font-weight: 700; color: var(--hb-cream); }
.hb-r-total .bf-value {
  color: var(--hb-gold);
  font-size: 1.1rem;
  font-weight: 700;
}
.hb-divider {
  height: 1px;
  background: var(--hb-border);
  margin: 8px 0;
}

/* Badges */
.bf-badge {
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}
.bf-badge-ok   { background: rgba(124, 179, 66, 0.18); color: var(--hb-green); }
.bf-badge-warn { background: rgba(229, 160, 0, 0.18); color: var(--hb-amber); }

/* Value states for the "cost vs cut" comparison */
.bf-value-good    { color: var(--hb-green) !important; }
.bf-value-neutral { color: var(--hb-cream); }
.bf-note {
  display: block;
  font-size: 0.78rem;
  font-weight: 400;
  color: var(--hb-muted);
  margin-top: 3px;
}

/* Option A vs Option B side-by-side */
.hb-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.hb-option {
  background: var(--hb-surface-2);
  border: 1px solid var(--hb-border);
  border-radius: 8px;
  padding: 18px 20px;
}
.hb-option-b {
  background: linear-gradient(180deg, #1e1a15 0%, #221d16 100%);
  border-color: var(--hb-gold);
}
.hb-option-head {
  font-weight: 700;
  color: var(--hb-cream);
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 10px;
}
.hb-option-b .hb-option-head { color: var(--hb-gold); }

/* Advantage summary block */
.hb-advantage {
  margin-top: 20px;
  padding: 18px 22px;
  background: var(--hb-surface-2);
  border: 1px solid var(--hb-gold);
  border-radius: 6px;
}
.hb-adv-row {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  color: var(--hb-body);
  font-size: 0.98rem;
}
.hb-adv-row strong {
  color: var(--hb-gold);
  font-weight: 700;
  font-size: 1.05rem;
}

/* Marketing headline card */
.hb-calc-headline {
  background: linear-gradient(180deg, #17130e 0%, #1a150f 100%);
  border-color: var(--hb-gold);
}
.hb-marketing { display: grid; gap: 14px; }
.hb-marketing-rates {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 12px 14px;
  background: rgba(255,255,255,0.03);
  border-radius: 6px;
}
.hb-marketing-rate-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  font-size: 0.95rem;
}
.hb-marketing-rate-name {
  color: var(--hb-cream);
  font-weight: 700;
  letter-spacing: 0.02em;
}
.hb-marketing-rate-value strong { color: var(--hb-gold); font-size: 1.05rem; }
.hb-marketing-rate-sub {
  color: var(--hb-muted);
  font-size: 0.82rem;
  margin-left: 6px;
}
.hb-marketing-empty {
  padding: 20px 14px;
  color: var(--hb-muted);
  font-size: 0.95rem;
  text-align: center;
  font-style: italic;
}
.hb-marketing-row {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  font-size: 0.95rem;
  color: var(--hb-body);
}
.hb-marketing-value { color: var(--hb-cream); font-weight: 600; }
.hb-marketing-headline {
  margin-top: 6px;
  padding: 16px 20px;
  background: rgba(150, 123, 69, 0.10);
  border: 1px solid rgba(150, 123, 69, 0.35);
  border-radius: 6px;
}
.hb-marketing-label {
  display: block;
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--hb-muted);
  margin-bottom: 6px;
  font-weight: 700;
}
.hb-marketing-big {
  color: var(--hb-gold);
  font-weight: 800;
  font-size: 1.5rem;
  line-height: 1.2;
}

/* ── 4-step process ─────────────────────────────────── */
.hb-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
}
.hb-step {
  background: var(--hb-surface);
  border: 1px solid var(--hb-border);
  border-radius: 8px;
  padding: 22px 20px;
}
.hb-step-num {
  color: var(--hb-gold);
  font-size: 2rem;
  font-weight: 700;
  line-height: 1;
  margin-bottom: 12px;
}
.hb-step-title {
  color: var(--hb-cream);
  font-weight: 700;
  font-size: 1.05rem;
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.hb-step-body {
  color: var(--hb-body);
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.5;
}

/* ── Real terms box ─────────────────────────────────── */
.hb-terms {
  background: var(--hb-surface);
  border: 1px solid var(--hb-border);
  border-radius: 8px;
  padding: 26px 30px;
}
.hb-terms-head {
  color: var(--hb-gold);
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 700;
  margin: 0 0 16px;
}
.hb-terms-list {
  margin: 0;
  padding: 0;
  list-style: none;
}
.hb-terms-list li {
  padding: 8px 0 8px 22px;
  position: relative;
  color: var(--hb-body);
  font-size: 0.95rem;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.hb-terms-list li:last-child { border-bottom: none; }
.hb-terms-list li::before {
  content: "•";
  color: var(--hb-gold);
  position: absolute;
  left: 0;
  top: 8px;
  font-weight: 700;
}

/* ── CTA section ───────────────────────────────────── */
.hb-cta-section { margin: 80px 0 40px; }
.hb-cta {
  background: linear-gradient(180deg, #17130e 0%, #1c1712 100%);
  border: 1px solid var(--hb-gold);
  border-radius: 12px;
  padding: 40px 40px 44px;
  text-align: center;
}
.hb-cta-head {
  color: var(--hb-cream);
  font-size: 1.6rem;
  font-weight: 700;
  margin: 0 0 14px;
}
.hb-cta-body {
  color: var(--hb-body);
  font-size: 1.02rem;
  margin: 0 auto 26px;
  max-width: 640px;
  text-align: center;
}
.hb-cta-btn {
  display: inline-block;
  padding: 14px 34px;
  background: var(--hb-gold);
  color: #191510;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-radius: 6px;
  text-decoration: none;
  transition: background 0.15s;
}
.hb-cta-btn:hover { background: var(--hb-gold-hover); color: #191510; }

/* ── Disclaimer ─────────────────────────────────────── */
.hb-disclaimer {
  font-size: 0.76rem;
  color: var(--hb-muted);
  line-height: 1.5;
  margin: 40px 0 0;
  padding-top: 20px;
  border-top: 1px solid var(--hb-border);
}

/* ── Responsive ─────────────────────────────────────── */
@media (max-width: 720px) {
  .hb-wrap { padding: 30px 16px 60px; }
  .hb-hero-title { font-size: 1.75rem; }
  .hb-h2 { font-size: 1.5rem; }
  .hb-compare, .hb-two-col { grid-template-columns: 1fr; }
  .hb-form-grid { grid-template-columns: 1fr; }
  .hb-calc-section { padding: 24px 18px; }
  .hb-cta { padding: 30px 24px; }
  .hb-cta-head { font-size: 1.35rem; }
}