/* ============================================================
   carfinanced.com — homepage styles
   All tokens and classes are prefixed (--cf- / .cf-) so this
   block can be pasted into any WordPress theme without collisions.
   ============================================================ */

:root{
  --cf-ground:#EDF0EE;
  --cf-surface:#FFFFFF;
  --cf-surface-2:#F5F7F5;
  --cf-ink:#121A17;
  --cf-muted:#5C6B64;
  --cf-line:#D3DAD6;
  --cf-line-strong:#A9B4AE;
  --cf-accent:#0B6B3A;
  --cf-accent-ink:#FFFFFF;
  --cf-accent-soft:#E1F0E7;
  --cf-flag:#A84A16;
  --cf-flag-soft:#F6E7DC;
  --cf-hero-bg:#FFFFFF;
  --cf-hero-fg:#121A17;
  --cf-hero-muted:#5C6B64;
  --cf-hero-line:#D3DAD6;
  --cf-shadow:0 1px 2px rgba(18,26,23,.06), 0 12px 32px -18px rgba(18,26,23,.35);

  --cf-display:"Barlow Condensed","Arial Narrow",Helvetica,sans-serif;
  --cf-ui:"Barlow",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  --cf-body:"Newsreader",Georgia,"Times New Roman",serif;
  --cf-mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}

@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --cf-ground:#0C110F;
    --cf-surface:#141B18;
    --cf-surface-2:#1A2320;
    --cf-ink:#E8EEEA;
    --cf-muted:#94A39B;
    --cf-line:#26312C;
    --cf-line-strong:#3A4A43;
    --cf-accent:#43D68F;
    --cf-accent-ink:#05241A;
    --cf-accent-soft:#122A20;
    --cf-flag:#E9945C;
    --cf-flag-soft:#2D1F16;
    --cf-hero-bg:#0A0F0D;
    --cf-hero-fg:#E8EEEA;
    --cf-hero-muted:#8A9992;
    --cf-hero-line:#232E2A;
    --cf-shadow:0 1px 2px rgba(0,0,0,.4), 0 12px 32px -18px rgba(0,0,0,.8);
  }
}

:root[data-theme="dark"]{
  --cf-ground:#0C110F;
  --cf-surface:#141B18;
  --cf-surface-2:#1A2320;
  --cf-ink:#E8EEEA;
  --cf-muted:#94A39B;
  --cf-line:#26312C;
  --cf-line-strong:#3A4A43;
  --cf-accent:#43D68F;
  --cf-accent-ink:#05241A;
  --cf-accent-soft:#122A20;
  --cf-flag:#E9945C;
  --cf-flag-soft:#2D1F16;
  --cf-hero-bg:#0A0F0D;
  --cf-hero-fg:#E8EEEA;
  --cf-hero-muted:#8A9992;
  --cf-hero-line:#232E2A;
  --cf-shadow:0 1px 2px rgba(0,0,0,.4), 0 12px 32px -18px rgba(0,0,0,.8);
}

.cf *,.cf *::before,.cf *::after{box-sizing:border-box}
.cf{
  background:var(--cf-ground);
  color:var(--cf-ink);
  font-family:var(--cf-body);
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
.cf p{margin:0}
.cf h1,.cf h2,.cf h3,.cf h4{margin:0;font-family:var(--cf-display);font-weight:700;line-height:1.02;letter-spacing:-.005em;text-wrap:balance}
.cf a{color:inherit}
.cf img{max-width:100%}

.cf-wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.cf-narrow{max-width:740px}
.cf-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

.cf-eyebrow{
  font-family:var(--cf-display);font-weight:600;font-size:.78rem;
  letter-spacing:.16em;text-transform:uppercase;color:var(--cf-muted);
}

/* ---------- masthead ---------- */
.cf-mast{
  background:var(--cf-hero-bg);color:var(--cf-hero-fg);
  border-bottom:1px solid var(--cf-hero-line);
}
.cf-mast-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;padding-bottom:16px}
.cf-logo{display:flex;align-items:baseline;gap:.1em;font-family:var(--cf-display);font-weight:700;font-size:1.45rem;letter-spacing:-.01em;text-decoration:none}
.cf-logo span{color:var(--cf-accent)}
.cf-nav{display:flex;gap:22px;align-items:center;font-family:var(--cf-ui);font-size:.92rem}
.cf-nav a:not(.cf-btn){color:var(--cf-hero-muted);text-decoration:none;transition:color .15s}
.cf-nav a:not(.cf-btn):hover,.cf-nav a:not(.cf-btn):focus-visible{color:var(--cf-hero-fg)}
.cf-nav .cf-btn{text-decoration:none}
@media(max-width:720px){.cf-nav .cf-nav-hide{display:none}}

/* ---------- theme toggle ---------- */
.cf-theme-btn{
  display:inline-flex;align-items:center;justify-content:center;flex:none;
  width:36px;height:36px;padding:0;border:1px solid var(--cf-hero-line);border-radius:2px;
  background:transparent;color:var(--cf-hero-muted);cursor:pointer;
  transition:color .15s,border-color .15s;
}
.cf-theme-btn:hover,.cf-theme-btn:focus-visible{color:var(--cf-hero-fg);border-color:var(--cf-hero-muted)}
.cf-theme-btn svg{width:18px;height:18px}
.cf-theme-btn .cf-ico-sun{display:none}
.cf-theme-btn .cf-ico-moon{display:block}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]) .cf-theme-btn .cf-ico-sun{display:block}
  :root:not([data-theme="light"]) .cf-theme-btn .cf-ico-moon{display:none}
}
:root[data-theme="dark"] .cf-theme-btn .cf-ico-sun{display:block}
:root[data-theme="dark"] .cf-theme-btn .cf-ico-moon{display:none}
:root[data-theme="light"] .cf-theme-btn .cf-ico-sun{display:none}
:root[data-theme="light"] .cf-theme-btn .cf-ico-moon{display:block}

/* ---------- disclosure strip ---------- */
.cf-strip{
  background:var(--cf-accent-soft);color:var(--cf-ink);
  border-bottom:1px solid var(--cf-line);
  font-family:var(--cf-ui);font-size:.82rem;line-height:1.45;
}
.cf-strip .cf-wrap{padding-top:9px;padding-bottom:9px}
.cf-strip strong{font-weight:600}

/* ---------- hero ---------- */
.cf-hero{background:var(--cf-hero-bg);color:var(--cf-hero-fg);padding-top:56px;padding-bottom:180px}
.cf-hero h1{font-size:clamp(2.6rem,6.4vw,4.6rem);letter-spacing:-.02em;max-width:15ch}
.cf-hero h1 em{font-style:normal;color:var(--cf-accent)}
.cf-hero-sub{
  margin-top:20px;max-width:52ch;color:var(--cf-hero-muted);
  font-size:1.12rem;line-height:1.62;
}
.cf-hero-eyebrow{color:var(--cf-hero-muted);margin-bottom:18px;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.cf-dot{width:5px;height:5px;border-radius:50%;background:var(--cf-accent);display:inline-block}
.cf-hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px;align-items:center}

/* ---------- buttons ---------- */
.cf-btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--cf-display);font-weight:600;font-size:1.02rem;
  letter-spacing:.05em;text-transform:uppercase;text-decoration:none;
  padding:13px 24px;border:1px solid transparent;border-radius:2px;cursor:pointer;
  transition:transform .12s ease, background .15s ease, border-color .15s ease;
}
.cf .cf-btn-primary{background:var(--cf-accent);color:var(--cf-accent-ink);border-color:var(--cf-accent)}
.cf .cf-btn-primary:hover{transform:translateY(-1px)}
.cf .cf-btn-ghost{background:transparent;color:var(--cf-hero-fg);border-color:var(--cf-hero-line)}
.cf .cf-btn-ghost:hover{border-color:var(--cf-hero-muted)}
.cf .cf-btn-outline{background:transparent;color:var(--cf-accent);border-color:var(--cf-accent)}
.cf .cf-btn-outline:hover{background:var(--cf-accent-soft)}
.cf-btn-sm{padding:8px 14px;font-size:.86rem}
.cf :focus-visible{outline:2px solid var(--cf-accent);outline-offset:3px}

/* ---------- worksheet (the calculator) ---------- */
.cf-lift{margin-top:-150px;position:relative;z-index:2}
.cf-sheet{
  background:var(--cf-surface);border:1px solid var(--cf-line-strong);
  box-shadow:var(--cf-shadow);
}
.cf-sheet-head{
  display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;
  padding:14px 20px;border-bottom:1px solid var(--cf-line-strong);background:var(--cf-surface-2);
}
.cf-sheet-title{font-family:var(--cf-display);font-weight:700;font-size:1.06rem;letter-spacing:.12em;text-transform:uppercase}
.cf-tabs{display:flex;gap:0;border:1px solid var(--cf-line-strong);border-radius:2px;overflow:hidden}
.cf-tab{
  font-family:var(--cf-display);font-weight:600;font-size:.88rem;letter-spacing:.08em;text-transform:uppercase;
  padding:7px 15px;background:var(--cf-surface);color:var(--cf-muted);border:0;cursor:pointer;
  border-right:1px solid var(--cf-line-strong);
}
.cf-tab:last-child{border-right:0}
.cf-tab[aria-selected="true"]{background:var(--cf-ink);color:var(--cf-ground)}

.cf-sheet-body{display:grid;grid-template-columns:1fr 1fr;gap:0}
.cf-sheet-body[hidden]{display:none}
@media(max-width:860px){.cf-sheet-body{grid-template-columns:1fr}}
.cf-inputs{padding:24px 20px;border-right:1px solid var(--cf-line);display:flex;flex-direction:column;gap:16px}
@media(max-width:860px){.cf-inputs{border-right:0;border-bottom:1px solid var(--cf-line)}}
.cf-out{padding:24px 20px;background:var(--cf-surface-2);display:flex;flex-direction:column;gap:18px}

.cf-field{display:flex;flex-direction:column;gap:5px}
.cf-field label{
  font-family:var(--cf-display);font-weight:600;font-size:.8rem;letter-spacing:.11em;
  text-transform:uppercase;color:var(--cf-muted);
}
.cf-inputbox{position:relative;display:flex;align-items:center}
.cf-inputbox .cf-affix{
  position:absolute;font-family:var(--cf-mono);font-size:.9rem;color:var(--cf-muted);pointer-events:none;
}
.cf-inputbox .cf-affix-l{left:11px}
.cf-inputbox .cf-affix-r{right:11px}
.cf input[type="number"],.cf select{
  width:100%;font-family:var(--cf-mono);font-size:1rem;font-variant-numeric:tabular-nums;
  padding:10px 12px;background:var(--cf-surface);color:var(--cf-ink);
  border:1px solid var(--cf-line-strong);border-radius:2px;
}
.cf input.cf-has-l{padding-left:26px}
.cf input.cf-has-r{padding-right:30px}
.cf input[type="number"]:focus,.cf select:focus{border-color:var(--cf-accent);outline:none;box-shadow:0 0 0 2px var(--cf-accent-soft)}
.cf-row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.cf-hint{font-family:var(--cf-ui);font-size:.78rem;color:var(--cf-muted);line-height:1.4}

.cf-seg{display:flex;border:1px solid var(--cf-line-strong);border-radius:2px;overflow:hidden}
.cf-seg button{
  flex:1;font-family:var(--cf-display);font-weight:600;font-size:.86rem;letter-spacing:.08em;text-transform:uppercase;
  padding:9px 6px;background:var(--cf-surface);color:var(--cf-muted);border:0;border-right:1px solid var(--cf-line-strong);cursor:pointer;
}
.cf-seg button:last-child{border-right:0}
.cf-seg button[aria-pressed="true"]{background:var(--cf-accent-soft);color:var(--cf-accent)}

/* result block */
.cf-headline-num{display:flex;align-items:flex-end;gap:10px;flex-wrap:wrap}
.cf-bignum{
  font-family:var(--cf-display);font-weight:700;font-size:clamp(3rem,8vw,4.2rem);
  line-height:.9;letter-spacing:-.03em;font-variant-numeric:tabular-nums;
}
.cf-permo{font-family:var(--cf-ui);font-size:.95rem;color:var(--cf-muted);padding-bottom:6px}

.cf-lines{border-top:1px solid var(--cf-line);font-family:var(--cf-mono);font-size:.9rem}
.cf-line{
  display:flex;justify-content:space-between;gap:14px;align-items:baseline;
  padding:9px 0;border-bottom:1px solid var(--cf-line);font-variant-numeric:tabular-nums;
}
.cf-line dt{color:var(--cf-muted);font-family:var(--cf-ui);font-size:.88rem}
.cf-line dd{margin:0;font-weight:500}
.cf-line-total dt,.cf-line-total dd{font-weight:600;color:var(--cf-ink)}
.cf-line-flag dd{color:var(--cf-flag)}

.cf-bar{display:flex;height:12px;width:100%;border:1px solid var(--cf-line-strong);overflow:hidden;border-radius:2px}
.cf-bar span{display:block;height:100%}
.cf-bar-p{background:var(--cf-accent)}
.cf-bar-i{background:var(--cf-flag)}
.cf-bar-f{background:var(--cf-line-strong)}
.cf-key{display:flex;flex-wrap:wrap;gap:14px;font-family:var(--cf-ui);font-size:.78rem;color:var(--cf-muted);margin-top:8px}
.cf-key i{width:9px;height:9px;display:inline-block;margin-right:6px;border-radius:1px}

.cf-callout{
  border:1px solid var(--cf-accent);background:var(--cf-accent-soft);
  padding:14px 16px;display:flex;flex-direction:column;gap:10px;border-radius:2px;
}
.cf-callout p{font-family:var(--cf-ui);font-size:.92rem;line-height:1.5}

/* ---------- generic sections ---------- */
.cf-sec{padding:74px 0}
.cf-sec-head{max-width:62ch;margin-bottom:34px}
.cf-sec-head h2{font-size:clamp(1.9rem,4.2vw,2.9rem);letter-spacing:-.015em;margin-top:12px}
.cf-sec-head p{margin-top:14px;color:var(--cf-muted);font-size:1.05rem}
.cf-rule{border:0;border-top:1px solid var(--cf-line);margin:0}

/* rate table */
.cf-tablewrap{overflow-x:auto;border:1px solid var(--cf-line-strong);background:var(--cf-surface)}
.cf table{border-collapse:collapse;width:100%;min-width:640px}
.cf thead th{
  font-family:var(--cf-display);font-weight:600;font-size:.8rem;letter-spacing:.11em;text-transform:uppercase;
  color:var(--cf-muted);text-align:right;padding:12px 16px;border-bottom:1px solid var(--cf-line-strong);
  background:var(--cf-surface-2);white-space:nowrap;
}
.cf thead th:first-child{text-align:left}
.cf tbody td{
  padding:13px 16px;border-bottom:1px solid var(--cf-line);text-align:right;
  font-family:var(--cf-mono);font-size:.92rem;font-variant-numeric:tabular-nums;white-space:nowrap;
}
.cf tbody td:first-child{text-align:left;font-family:var(--cf-ui);font-size:.95rem}
.cf tbody tr:last-child td{border-bottom:0}
@media(max-width:720px){
  .cf table{min-width:520px}
  .cf thead th{white-space:normal;padding:10px 10px}
  .cf tbody td{padding:11px 10px}
  .cf tbody td:first-child{white-space:normal}
}
@media(max-width:560px){
  .cf table{min-width:0;width:100%}
  .cf thead th,.cf tbody td{white-space:normal;padding:10px 7px}
  .cf thead th{font-size:.7rem;letter-spacing:.07em}
  .cf tbody td{font-size:.84rem}
  .cf tbody td:first-child{font-size:.88rem}
  .cf-tier-range{font-size:.72rem}
  .cf .cf-btn-sm{padding:7px 10px;font-size:.78rem}
  /* homepage rate table: drop the two comparison columns on phones */
  #rates thead th:nth-child(4),#rates tbody td:nth-child(4),
  #rates thead th:nth-child(5),#rates tbody td:nth-child(5){display:none}
}
@media(max-width:380px){
  .cf thead th,.cf tbody td{padding:9px 4px}
  .cf tbody td{font-size:.8rem}
  .cf .cf-btn-sm{padding:6px 7px;font-size:.72rem;letter-spacing:.02em}
  .cf-tier-range{display:none}
}
.cf-tier-name{display:block;font-weight:600}
.cf-tier-range{display:block;font-size:.78rem;color:var(--cf-muted);font-family:var(--cf-mono)}
.cf-delta-up{color:var(--cf-flag)}
.cf-delta-flat{color:var(--cf-muted)}
.cf-you{background:var(--cf-accent-soft)}
.cf-you td:first-child{box-shadow:inset 3px 0 0 var(--cf-accent)}
.cf-src{font-family:var(--cf-ui);font-size:.8rem;color:var(--cf-muted);margin-top:12px}
.cf-src a{color:var(--cf-accent)}

/* paths */
.cf-grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--cf-line-strong);background:var(--cf-surface)}
@media(max-width:860px){.cf-grid3{grid-template-columns:1fr}}
.cf-card{padding:28px 24px;border-right:1px solid var(--cf-line);display:flex;flex-direction:column;gap:12px}
.cf-card:last-child{border-right:0}
@media(max-width:860px){.cf-card{border-right:0;border-bottom:1px solid var(--cf-line)}.cf-card:last-child{border-bottom:0}}
.cf-card h3{font-size:1.5rem}
.cf-card p{color:var(--cf-muted);font-size:.98rem}
.cf-card ul{margin:0;padding-left:18px;color:var(--cf-muted);font-size:.94rem;display:flex;flex-direction:column;gap:5px}
.cf-card .cf-btn{margin-top:auto;align-self:flex-start}

/* card guide links */
.cf-card-more{margin-top:2px}
.cf-card-more a{font-family:var(--cf-ui);font-size:.92rem;color:var(--cf-accent);text-decoration:none;border-bottom:1px solid var(--cf-accent)}
.cf-card-more a:hover{border-bottom-width:2px}

/* guides section */
.cf-guides-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
@media(max-width:720px){.cf-guides-grid{grid-template-columns:1fr}}
.cf-guide-link{
  display:block;border:1px solid var(--cf-line-strong);background:var(--cf-surface);
  padding:20px 22px;text-decoration:none;color:var(--cf-ink);border-radius:2px;
  transition:border-color .15s;
}
.cf-guide-link:hover{border-color:var(--cf-accent)}
.cf-guide-link em{
  display:block;font-style:normal;font-family:var(--cf-display);font-weight:600;
  font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cf-accent);margin-bottom:6px;
}
.cf-guide-link strong{
  display:block;font-family:var(--cf-display);font-weight:700;font-size:1.35rem;
  line-height:1.1;letter-spacing:-.01em;margin-bottom:7px;
}
.cf-guide-link span{font-family:var(--cf-ui);font-size:.92rem;color:var(--cf-muted);line-height:1.5;display:block}

/* transparency */
.cf-money{background:var(--cf-hero-bg);color:var(--cf-hero-fg)}
.cf-money .cf-sec-head h2{color:var(--cf-hero-fg)}
.cf-money .cf-sec-head p,.cf-money .cf-eyebrow{color:var(--cf-hero-muted)}
.cf-money-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:860px){.cf-money-grid{grid-template-columns:1fr}}
.cf-money-item{border-top:1px solid var(--cf-hero-line);padding-top:16px;display:flex;flex-direction:column;gap:8px}
.cf-money-item h3{font-size:1.15rem;letter-spacing:.06em;text-transform:uppercase}
.cf-money-item p{color:var(--cf-hero-muted);font-size:.97rem}

/* faq */
.cf-faq{border-top:1px solid var(--cf-line)}
.cf-faq details{border-bottom:1px solid var(--cf-line)}
.cf-faq summary{
  cursor:pointer;list-style:none;padding:20px 40px 20px 0;position:relative;
  font-family:var(--cf-display);font-weight:600;font-size:1.22rem;letter-spacing:-.005em;
}
.cf-faq summary::-webkit-details-marker{display:none}
.cf-faq summary::after{
  content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);
  font-family:var(--cf-mono);font-size:1.3rem;color:var(--cf-accent);
}
.cf-faq details[open] summary::after{content:"\2212"}
.cf-faq details p{padding:0 0 22px;color:var(--cf-muted);max-width:74ch}
.cf-faq details p + p{padding-top:0;margin-top:-10px}

/* footer */
.cf-foot{background:var(--cf-surface);border-top:1px solid var(--cf-line-strong);padding:44px 0 56px}
.cf-foot-top{display:flex;justify-content:space-between;gap:26px;flex-wrap:wrap;align-items:flex-start}
.cf-foot .cf-logo{color:var(--cf-ink);font-size:1.3rem}
.cf-foot-links{display:flex;gap:26px;flex-wrap:wrap;font-family:var(--cf-ui);font-size:.9rem}
.cf-foot-links a{color:var(--cf-muted);text-decoration:none}
.cf-foot-links a:hover{color:var(--cf-ink)}
.cf-legal{
  margin-top:28px;padding-top:20px;border-top:1px solid var(--cf-line);
  font-family:var(--cf-ui);font-size:.79rem;line-height:1.6;color:var(--cf-muted);max-width:90ch;
  display:flex;flex-direction:column;gap:9px;
}

@media(prefers-reduced-motion:reduce){
  .cf *{animation:none!important;transition:none!important}
  .cf-btn-primary:hover{transform:none}
}