/* Loan Reality Check / Red Margin / habit-first scoring */
.lr-page{
  --good:#256A4B;--warn:#9B6B00;--bad:#A1262C;
  --softred:#FCE8E9;--softgreen:#ECF6F0;--softgold:#FFF7E5;
  --head:var(--heading);--serif:var(--reading);
  padding:0 0 75px;color:var(--ink);font-family:var(--ui);line-height:1.45;
}
.lr-page .lr-editor-copy{margin-top:42px}


.lr-page *{box-sizing:border-box}






.lr-page .hero{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(240px,.6fr);gap:42px;padding:42px 0 31px;border-bottom:1px solid var(--line)}
.lr-page .eyebrow{font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:var(--red);font-weight:800}
.lr-page h1{font:800 clamp(54px,6.5vw,84px)/.94 var(--head);letter-spacing:-.035em;margin:12px 0 18px}
.lr-page .lead{font:21px/1.55 var(--serif);max-width:750px;margin:0}
.lr-page .hero-side{border-left:1px solid var(--line);padding-left:24px}
.lr-page .hero-side strong{display:block;font:800 30px/1.05 var(--head);margin:8px 0 12px}
.lr-page .hero-side p{font-size:12px;color:var(--muted);margin:0}
.lr-page .layout{display:grid;grid-template-columns:410px minmax(0,1fr);gap:48px;padding-top:32px;align-items:start}
.lr-page .panel{background:var(--wash);border-top:4px solid var(--ink);padding:25px}
.lr-page .panel h2,.lr-page .results h2{font:800 31px/1.05 var(--head);margin:6px 0 0}
.lr-page .section{border-top:1px solid var(--line);padding-top:21px;margin-top:23px}
.lr-page .section:first-of-type{border-top:0;margin-top:20px;padding-top:0}
.lr-page .section h3{font-size:11px;letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px}
.lr-page .grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.lr-page .field{display:block;min-width:0}.lr-page .field.wide{grid-column:1/-1}
.lr-page .field>span:first-child{display:block;font-size:12px;font-weight:700;margin-bottom:6px}
.lr-page .helper{display:block;font-size:10px;color:var(--muted);line-height:1.4;margin-top:5px}
.lr-page .box{display:flex;align-items:center;background:white;border:1px solid #A8A39D;min-height:45px}
.lr-page .box b{padding-left:10px;color:var(--muted)}
.lr-page .box.suffix b{padding:0 10px 0 0}
.lr-page .box input,.lr-page .field select{width:100%;min-width:0;min-height:43px;background:white!important;color:var(--ink)!important;-webkit-text-fill-color:var(--ink)!important;border:0;outline:0;padding:10px;font:15px var(--ui);opacity:1!important}
.lr-page .box input{text-align:right}.lr-page .field select{border:1px solid #A8A39D;min-height:45px}
.lr-page .box:focus-within,.lr-page .field select:focus{outline:2px solid var(--red);outline-offset:2px}
.lr-page .type-note{margin-top:13px;border-left:4px solid var(--red);background:white;padding:12px 13px;font-size:10px;color:var(--muted);line-height:1.55}
.lr-page .dynamic{display:none}.lr-page .dynamic.active{display:block}
.lr-page .results{min-width:0}

/* Score hero */
.lr-page .score-hero{border-top:5px solid var(--red);padding:24px 0 24px;border-bottom:1px solid var(--line);display:grid;grid-template-columns:240px 1fr;gap:26px;align-items:center}
.lr-page .gauge-wrap{display:flex;justify-content:center}
.lr-page .gauge{
  --pct:72;
  width:180px;height:180px;border-radius:50%;
  background:conic-gradient(var(--red) calc(var(--pct)*1%), #ece8e1 0);
  position:relative;display:grid;place-items:center;
}
.lr-page .gauge:before{
  content:""; position:absolute; inset:14px; background:white; border-radius:50%;
  box-shadow:inset 0 0 0 1px var(--line);
}
.lr-page .gauge-inner{position:relative;z-index:2;text-align:center}
.lr-page .gauge-inner .big{font:800 58px/0.9 var(--head);letter-spacing:-.04em}
.lr-page .gauge-inner .small{font-size:11px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted)}
.lr-page .score-copy .score-label{font-size:10px;letter-spacing:.15em;text-transform:uppercase;color:var(--red);font-weight:800}
.lr-page .score-copy .score-grade{font:800 clamp(34px,4vw,48px)/0.95 var(--head);margin-top:8px}
.lr-page .score-copy .score-roast{font:italic 15px/1.55 var(--serif);margin-top:9px;max-width:520px;color:var(--ink)}
.lr-page .score-blurb{font-size:12px;color:var(--muted);margin-top:10px;max-width:620px}

/* Quick take visual row */
.lr-page .quick-take{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:18px}
.lr-page .qt-card{border:1px solid var(--line);padding:14px 14px 12px;background:white}
.lr-page .qt-label{font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.lr-page .qt-value{font:800 24px/1 var(--head);margin-top:7px}
.lr-page .qt-sub{font-size:10px;color:var(--muted);margin-top:5px;line-height:1.35}
.lr-page .qt-chip{display:inline-block;font-size:10px;font-weight:700;padding:4px 8px;border-radius:999px;margin-top:8px}
.lr-page .qt-chip.good{background:var(--softgreen);color:var(--good)}
.lr-page .qt-chip.warn{background:var(--softgold);color:var(--warn)}
.lr-page .qt-chip.bad{background:var(--softred);color:var(--bad)}

/* Subscores become radial */
.lr-page .subscores{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.lr-page .sub{background:var(--wash);padding:18px;display:grid;grid-template-columns:92px 1fr;gap:16px;align-items:center;border-top:3px solid var(--ink)}
.lr-page .ring{
  --pct:68;
  width:92px;height:92px;border-radius:50%;
  background:conic-gradient(var(--red) calc(var(--pct)*1%), #ebe7e0 0);
  display:grid;place-items:center;position:relative;
}
.lr-page .ring:before{
  content:"";position:absolute;inset:10px;border-radius:50%;background:white;
  box-shadow:inset 0 0 0 1px var(--line);
}
.lr-page .ring span{position:relative;z-index:2;font:800 24px/1 var(--head)}
.lr-page .sub-copy label{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.11em;color:var(--muted)}
.lr-page .sub-copy strong{display:block;font:800 22px/1 var(--head);margin-top:6px}
.lr-page .sub-copy p{margin:7px 0 0;font-size:11px;color:var(--muted);line-height:1.4}

/* Auto term visual */
.lr-page .term-visual{display:none;margin-top:18px;padding:16px;border:1px solid var(--line);background:white}
.lr-page .term-visual.active{display:block}
.lr-page .term-visual h4{font:800 20px/1 var(--head);margin:0 0 12px}
.lr-page .term-track{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
.lr-page .term-pill{padding:10px 8px;border:1px solid var(--line);text-align:center;background:var(--wash)}
.lr-page .term-pill .term{font:800 19px/1 var(--head)}
.lr-page .term-pill .lbl{font-size:9px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-top:5px}
.lr-page .term-pill.good{background:var(--softgreen);border-color:#bfd9ca}
.lr-page .term-pill.warn{background:var(--softgold);border-color:#ead7a4}
.lr-page .term-pill.bad{background:var(--softred);border-color:#e5bfc1}
.lr-page .term-pill.current{outline:2px solid var(--ink);outline-offset:1px}

/* Metrics */
.lr-page .metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.lr-page .metric{padding:16px;background:white;border:1px solid var(--line)}
.lr-page .metric label{font-size:9px;text-transform:uppercase;letter-spacing:.09em;color:var(--muted);display:block;margin-bottom:6px}
.lr-page .metric strong{font:800 28px/1 var(--head);display:block}
.lr-page .metric small{font-size:9px;color:var(--muted);display:block;margin-top:6px;line-height:1.35}
.lr-page .metric-bar{height:6px;background:var(--wash);margin-top:10px;overflow:hidden}
.lr-page .metric-bar span{display:block;height:100%;width:50%;background:var(--red)}

.lr-page .verdict{margin-top:20px;padding:15px 17px;border-left:5px solid var(--good);background:#EEF6F1;font-size:12px;line-height:1.55}
.lr-page .verdict.warn{border-color:var(--warn);background:#FFF7E8}.lr-page .verdict.bad{border-color:var(--bad);background:#FFF0F0}

.lr-page .card{padding:28px 0;border-bottom:1px solid var(--ink)}
.lr-page .card h3{font:800 29px/1.05 var(--head);margin:0 0 16px}
.lr-page .reason-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.lr-page .reason-box{border:1px solid var(--line);padding:17px;background:white}
.lr-page .reason-box h4{font:800 21px/1 var(--head);margin:0 0 12px}
.lr-page .reason{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-top:1px solid var(--line);font-size:11px}
.lr-page .reason:first-of-type{border-top:0}.lr-page .reason b{white-space:nowrap}
.lr-page .badpts{color:var(--bad)}.lr-page .goodpts{color:var(--good)}
.lr-page .context{background:var(--wash);padding:18px;border-left:3px solid var(--ink);font-size:11px;line-height:1.6}
.lr-page .context b{color:var(--red)}
.lr-page .disclaimer{font-size:10px;color:var(--muted);line-height:1.65;padding-top:19px}


@media (max-width:920px){
  .lr-page .hero{grid-template-columns:1fr}
  .lr-page .hero-side{border-left:0;border-top:1px solid var(--line);padding:18px 0 0}
  .lr-page .layout{grid-template-columns:1fr;gap:34px}
  .lr-page .score-hero{grid-template-columns:1fr}
  .lr-page .quick-take{grid-template-columns:1fr 1fr}
  .lr-page .metrics{grid-template-columns:1fr 1fr}
}
@media (max-width:620px){
  
  
  .lr-page h1{font-size:50px}
  .lr-page .lead{font-size:19px}
  .lr-page .grid,.lr-page .quick-take,.lr-page .subscores,.lr-page .reason-grid,.lr-page .metrics,.lr-page .term-track{grid-template-columns:1fr}
  .lr-page .field.wide{grid-column:auto}
  .lr-page .score-hero{gap:18px}
  .lr-page .gauge{width:150px;height:150px}
  .lr-page .gauge-inner .big{font-size:49px}
  .lr-page .sub{grid-template-columns:74px 1fr}
  .lr-page .ring{width:74px;height:74px}
}


.lr-page .smart-card{
  margin-top:22px;
  border-top:5px solid var(--ink);
  padding-top:22px;
}
.lr-page .smart-head{
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:18px;
  margin-bottom:16px;
}
.lr-page .smart-head h3{
  font:800 31px/1 var(--head);
  margin:0;
}
.lr-page .smart-head p{
  margin:0;
  max-width:390px;
  font-size:11px;
  line-height:1.5;
  color:var(--muted);
}
.lr-page .smart-grid{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:16px;
}
.lr-page .smart-main{
  border:1px solid var(--line);
  padding:18px;
  background:white;
}
.lr-page .smart-main .kicker,.lr-page .smart-side .kicker{
  font-size:9px;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--muted);
  font-weight:800;
}
.lr-page .smart-main h4{
  font:800 27px/1 var(--head);
  margin:6px 0 8px;
}
.lr-page .smart-main .smart-copy{
  font:15px/1.55 var(--serif);
  margin:0 0 16px;
}
.lr-page .smart-actions{
  display:grid;
  gap:10px;
}
.lr-page .smart-action{
  display:grid;
  grid-template-columns:42px 1fr auto;
  gap:12px;
  align-items:center;
  border-top:1px solid var(--line);
  padding-top:12px;
}
.lr-page .smart-action:first-child{
  border-top:0;
  padding-top:0;
}
.lr-page .smart-icon{
  width:38px;
  height:38px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:var(--wash);
  font:800 18px/1 var(--head);
}
.lr-page .smart-action b{
  display:block;
  font-size:12px;
}
.lr-page .smart-action small{
  display:block;
  color:var(--muted);
  font-size:10px;
  line-height:1.4;
  margin-top:3px;
}
.lr-page .smart-impact{
  text-align:right;
  min-width:76px;
}
.lr-page .smart-impact strong{
  display:block;
  font:800 21px/1 var(--head);
}
.lr-page .smart-impact span{
  display:block;
  font-size:9px;
  text-transform:uppercase;
  color:var(--muted);
  letter-spacing:.08em;
  margin-top:4px;
}
.lr-page .smart-side{
  border:1px solid var(--line);
  padding:18px;
  background:var(--wash);
}
.lr-page .compare-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
  margin-top:12px;
}
.lr-page .compare-box{
  background:white;
  border:1px solid var(--line);
  padding:13px;
}
.lr-page .compare-box label{
  display:block;
  font-size:9px;
  text-transform:uppercase;
  letter-spacing:.08em;
  color:var(--muted);
}
.lr-page .compare-box strong{
  display:block;
  font:800 25px/1 var(--head);
  margin-top:6px;
}
.lr-page .compare-box small{
  display:block;
  font-size:9px;
  color:var(--muted);
  line-height:1.35;
  margin-top:5px;
}
.lr-page .smart-nudge{
  margin-top:12px;
  border-left:4px solid var(--red);
  background:white;
  padding:12px;
  font-size:11px;
  line-height:1.55;
}
.lr-page .smart-nudge b{
  color:var(--red);
}
.lr-page .badge-row{
  display:flex;
  flex-wrap:wrap;
  gap:7px;
  margin-top:12px;
}
.lr-page .mini-badge{
  font-size:9px;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.08em;
  padding:5px 8px;
  border-radius:999px;
  background:white;
  border:1px solid var(--line);
}
.lr-page .mini-badge.good{
  background:var(--softgreen);
  color:var(--good);
  border-color:#bfd9ca;
}
.lr-page .mini-badge.warn{
  background:var(--softgold);
  color:var(--warn);
  border-color:#ead7a4;
}
.lr-page .mini-badge.bad{
  background:var(--softred);
  color:var(--bad);
  border-color:#e5bfc1;
}
@media (max-width:920px){
  .lr-page .smart-grid{grid-template-columns:1fr}
}
@media (max-width:620px){
  .lr-page .smart-head{display:block}
  .lr-page .smart-head p{margin-top:8px}
  .lr-page .smart-action{grid-template-columns:36px 1fr}
  .lr-page .smart-impact{grid-column:2;text-align:left}
  .lr-page .compare-row{grid-template-columns:1fr}
}