:root{color-scheme:light;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}html{scroll-padding-top:env(safe-area-inset-top,0px)}body{margin:0;padding:0;font:14px -apple-system,BlinkMacSystemFont,sans-serif;background:#fff;color:#000}img{max-width:100%}[hidden]:not([hidden=until-found i]){display:none!important}


/* ==========================================================================
   Homeownership Numbers — Homepage prototype styles
   Layout concept: editorial front page. A light "atlas" hero with contour
   lines, three tall photo-style guide cards, then calm alternating bands.
   ========================================================================== */

:root {
  /* Brand palette (from the project brief) */
  --navy: #102B46;
  --blue: #39769B;
  --sky: #EAF4F8;
  --green: #2E9B75;
  --white: #FFFFFF;
  --gray: #F5F8FA;
  --ink: #1D2B36;

  /* Derived tokens (needed for text contrast and borders) */
  --navy-2: #1B4568;
  --green-ink: #1F7A5A;      /* darker green for small text on white */
  --green-tint: #E3F3EC;
  --muted: #4A5B68;
  --line: #DCE6EC;

  --shadow-sm: 0 1px 2px rgba(16, 43, 70, .06), 0 4px 12px rgba(16, 43, 70, .05);
  --shadow-md: 0 2px 4px rgba(16, 43, 70, .06), 0 14px 32px rgba(16, 43, 70, .10);

  --radius: 14px;
  --radius-lg: 22px;

  --font: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --header-h: 72px;
  --max: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--font);
  font-size: 1rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

/* Paints the area under the phone's status bar when the header sticks */
body::before {
  content: "";
  position: fixed;
  inset: 0 0 auto;
  height: env(safe-area-inset-top, 0px);
  background: var(--white);
  z-index: 60;
}

img, svg { max-width: 100%; }
h1, h2, h3, p, ul { margin: 0; }
ul { padding: 0; list-style: none; }
a { color: inherit; }

:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
  border-radius: 6px;
}
.on-dark :focus-visible { outline-color: var(--white); }

.skip-link {
  position: absolute;
  left: 16px;
  top: -80px;
  z-index: 100;
  background: var(--navy);
  color: var(--white);
  padding: 10px 16px;
  border-radius: 10px;
  font-weight: 600;
  text-decoration: none;
}
.skip-link:focus { top: 12px; }

.wrap {
  width: 100%;
  max-width: calc(var(--max) + 32px);
  margin-inline: auto;
  padding-left: max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
}

.icon {
  width: 1.25em;
  height: 1.25em;
  flex: none;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* ---------- Prototype notice ---------- */
.proto-bar {
  background: var(--navy);
  color: rgba(255, 255, 255, .92);
  font-size: .8125rem;
  line-height: 1.4;
  text-align: center;
  padding-block: 8px;
}
.proto-bar b { color: var(--white); font-weight: 600; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: env(safe-area-inset-top, 0px);
  z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: var(--header-h);
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--navy);
  flex: none;
}
.logo { width: 40px; height: 40px; flex: none; }
.logo-bg { fill: var(--logo-bg, #102B46); }
.logo-fg { stroke: var(--logo-fg, #FFFFFF); fill: none; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.logo-needle { fill: #2E9B75; }
.wordmark { font-size: 1.2rem; font-weight: 800; letter-spacing: -.02em; line-height: 1; }
.wordmark span { color: var(--blue); font-weight: 700; }

.menu-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border: 1.5px solid var(--line);
  background: var(--white);
  color: var(--navy);
  border-radius: 12px;
  cursor: pointer;
}
.menu-toggle .icon { width: 24px; height: 24px; }
.menu-toggle .i-close { display: none; }
.nav-open .menu-toggle .i-open { display: none; }
.nav-open .menu-toggle .i-close { display: block; }

.nav-list { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }

.nav-link,
.nav-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  border: 0;
  border-radius: 10px;
  background: none;
  color: var(--navy);
  font: inherit;
  font-size: .95rem;
  font-weight: 600;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
}
.nav-link:hover,
.nav-btn:hover,
.nav-item.open > .nav-btn { background: var(--sky); }

.nav-btn .chev { width: 1em; height: 1em; transition: transform .15s ease; }
.nav-item.open > .nav-btn .chev { transform: rotate(180deg); }

.nav-calc > .nav-btn {
  background: var(--navy);
  color: var(--white);
  margin-left: 8px;
}
.nav-calc > .nav-btn:hover,
.nav-calc.open > .nav-btn { background: var(--navy-2); }

.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  min-width: 270px;
  padding: 10px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  gap: 2px;
}
.dropdown.cols { min-width: 440px; grid-template-columns: 1fr 1fr; }
.nav-item:last-child > .dropdown { left: auto; right: 0; }

.nav-item.open > .dropdown { display: grid; }
.dropdown a {
  display: block;
  padding: 9px 12px;
  border-radius: 8px;
  color: var(--ink);
  font-size: .92rem;
  font-weight: 500;
  text-decoration: none;
}
.dropdown a:hover { background: var(--sky); color: var(--navy); }
.dropdown .all {
  grid-column: 1 / -1;
  margin-bottom: 6px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
  border-radius: 8px 8px 0 0;
  color: var(--navy);
  font-weight: 700;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 12px 22px;
  border-radius: 12px;
  border: 1.5px solid transparent;
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.2;
  text-decoration: none;
  transition: background .15s ease, color .15s ease, border-color .15s ease;
}
.btn-primary { background: var(--navy); color: var(--white); }
.btn-primary:hover { background: var(--navy-2); }
.btn-secondary { background: var(--white); color: var(--navy); border-color: var(--navy); }
.btn-secondary:hover { background: var(--navy); color: var(--white); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--sky);
  padding-block: clamp(40px, 7vw, 88px) clamp(56px, 8vw, 104px);
}
.hero-topo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  stroke: var(--blue);
  stroke-opacity: .22;
  stroke-width: 1.5;
  fill: none;
  pointer-events: none;
}
.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);
  gap: clamp(32px, 5vw, 72px);
  align-items: center;
}
.eyebrow {
  display: block;
  margin-bottom: 18px;
  color: var(--green-ink);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.hero h1 {
  color: var(--navy);
  font-size: clamp(2.5rem, 1.2rem + 4.8vw, 4.1rem);
  font-weight: 800;
  line-height: 1.03;
  letter-spacing: -.035em;
  text-wrap: balance;
}
.hero h1 span { display: block; color: var(--blue); }
.lead {
  max-width: 34em;
  margin-top: 22px;
  color: var(--ink);
  font-size: clamp(1.05rem, .95rem + .5vw, 1.25rem);
  line-height: 1.55;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.hero-note { margin-top: 22px; color: var(--muted); font-size: .875rem; }

.hero-visual { position: relative; margin-bottom: 36px; }
.hero-art {
  display: block;
  width: 100%;
  aspect-ratio: 5 / 4;
  border-radius: 26px;
  box-shadow: var(--shadow-md);
  object-fit: cover;
  object-position: center;
}
.hero-card {
  position: absolute;
  left: -28px;
  bottom: -36px;
  width: min(290px, 82%);
  padding: 18px 20px 16px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
}
.hero-card h2 {
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -.01em;
}
.parts { display: grid; gap: 8px; margin-top: 12px; }
.parts li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .875rem;
  font-weight: 500;
}
.dot { width: 12px; height: 12px; border-radius: 4px; flex: none; }
.dot.d1 { background: var(--navy); }
.dot.d2 { background: var(--blue); }
.dot.d3 { background: var(--green); }
.dot.d4 { background: #9FC3D6; }
.hero-card small { display: block; margin-top: 12px; color: var(--muted); font-size: .75rem; line-height: 1.4; }

/* ---------- Sections ---------- */
.section { padding-block: clamp(56px, 8vw, 104px); scroll-margin-top: calc(var(--header-h) + 8px); }
.section-alt { background: var(--gray); }
.section-head {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  justify-content: space-between;
  gap: 12px 24px;
  margin-bottom: clamp(28px, 4vw, 44px);
}
.section-head > div { min-width: 0; }
.section-head h2 {
  color: var(--navy);
  font-size: clamp(1.75rem, 1.2rem + 1.8vw, 2.5rem);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -.03em;
  text-wrap: balance;
}
.section-head p { max-width: 38em; margin-top: 10px; color: var(--muted); }

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--navy);
  font-weight: 700;
  text-decoration: none;
}
.text-link .icon { transition: transform .15s ease; }
.text-link:hover .icon { transform: translateX(3px); }
.text-link:hover { text-decoration: underline; text-underline-offset: 4px; }

/* ---------- Featured guides ---------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(16px, 2vw, 28px);
}
.feature-card {
  position: relative;
  display: block;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border-radius: var(--radius-lg);
  color: var(--white);
  text-decoration: none;
  isolation: isolate;
  box-shadow: var(--shadow-md);
  background: var(--navy);
}
.feature-card .scene {
  display: block;
  position: absolute;
  inset: 0;
  z-index: 1;
  width: 100%;
  height: 100%;
  max-width: none;
  object-fit: cover;
  object-position: center center;
  opacity: 1;
  visibility: visible;
  transition: transform .5s ease;
}
.feature-card::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 2;
  pointer-events: none;
  background: linear-gradient(to top, rgba(10, 28, 46, .95) 0%, rgba(10, 28, 46, .82) 28%, rgba(10, 28, 46, 0) 64%);
}
.feature-card:hover .scene { transform: scale(1.04); }
.feature-body {
  position: absolute;
  inset: auto 0 0 0;
  z-index: 3;
  display: grid;
  gap: 12px;
  padding: clamp(18px, 2vw, 28px);
}
.pill {
  justify-self: start;
  padding: 5px 11px;
  border-radius: 999px;
  background: var(--white);
  color: var(--navy);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.feature-card h3 {
  font-size: clamp(1.3rem, 1rem + 1vw, 1.7rem);
  font-weight: 750;
  line-height: 1.2;
  letter-spacing: -.02em;
  text-wrap: balance;
}
.feature-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .9rem;
  font-weight: 600;
  color: rgba(255, 255, 255, .9);
}

/* ---------- Calculators ---------- */
.calc-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(16px, 2vw, 28px);
}
.calc-card {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: clamp(22px, 2.4vw, 32px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}
.calc-icon {
  display: grid;
  place-items: center;
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: var(--sky);
  color: var(--blue);
}
.calc-icon .icon { width: 28px; height: 28px; }
.calc-card h3 { color: var(--navy); font-size: 1.3rem; font-weight: 750; letter-spacing: -.02em; line-height: 1.2; }
.calc-card p { color: var(--muted); }
.calc-foot {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 8px 12px;
  margin-top: auto;
  padding-top: 10px;
}
.demo-tag {
  padding: 3px 9px;
  border-radius: 999px;
  background: var(--gray);
  border: 1px solid var(--line);
  color: var(--muted);
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
}

/* ---------- Topics ---------- */
.topic-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(16px, 2vw, 28px);
}
.topic {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: clamp(24px, 2.6vw, 36px);
  border-radius: var(--radius-lg);
}
.topic .label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.topic h3 { font-size: 1.7rem; font-weight: 800; letter-spacing: -.03em; line-height: 1.1; }
.topic > p { max-width: 30em; }
.topic ul { margin-top: 10px; }
.topic li + li { border-top: 1px solid var(--topic-line); }
.topic li a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 13px 2px;
  font-weight: 600;
  text-decoration: none;
}
.topic li a .icon { opacity: .7; transition: transform .15s ease, opacity .15s ease; }
.topic li a:hover { text-decoration: underline; text-underline-offset: 4px; }
.topic li a:hover .icon { transform: translateX(3px); opacity: 1; }

.topic-mortgages { background: var(--navy); color: var(--white); --topic-line: rgba(255, 255, 255, .18); }
.topic-mortgages > p { color: rgba(255, 255, 255, .86); }
.topic-mortgages .label { color: #8FD2B8; }
.topic-buying { background: var(--sky); color: var(--navy); --topic-line: rgba(16, 43, 70, .14); }
.topic-buying > p { color: var(--ink); }
.topic-buying .label { color: var(--blue); }
.topic-finance { background: var(--green-tint); color: var(--navy); --topic-line: rgba(16, 43, 70, .14); }
.topic-finance > p { color: var(--ink); }
.topic-finance .label { color: var(--green-ink); }

/* ---------- Articles ---------- */
.article-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(16px, 2vw, 28px);
}
.article-card {
  display: flex;
  flex-direction: column;
  min-width: 0;
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}
.thumb { display: block; width: 100%; aspect-ratio: 3 / 2; height: auto; object-fit: cover; object-position: center; }
.article-body { display: flex; flex-direction: column; flex: 1; gap: 10px; padding: 22px 24px 24px; }
.cat {
  color: var(--green-ink);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.article-card h3 { color: var(--navy); font-size: 1.25rem; font-weight: 750; line-height: 1.25; letter-spacing: -.02em; text-wrap: balance; }
.article-card h3 a { text-decoration: none; }
.article-card h3 a:hover { text-decoration: underline; text-underline-offset: 4px; }
.article-card p { color: var(--muted); font-size: .96rem; }
.article-card .text-link { margin-top: auto; padding-top: 6px; }

/* ---------- Trust ---------- */
.trust { background: var(--sky); }
.trust-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(32px, 6vw, 88px);
  align-items: start;
}
.trust h2 {
  color: var(--navy);
  font-size: clamp(1.75rem, 1.2rem + 1.8vw, 2.5rem);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -.03em;
  text-wrap: balance;
}
.trust-lead { max-width: 32em; margin-top: 16px; font-size: 1.1rem; }
.trust-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.trust-list { display: grid; gap: 14px; }
.trust-item {
  display: flex;
  gap: 16px;
  padding: 20px 22px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.trust-item .ti {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  flex: none;
  border-radius: 12px;
  background: var(--green-tint);
  color: var(--green-ink);
}
.trust-item h3 { color: var(--navy); font-size: 1.05rem; font-weight: 700; line-height: 1.3; }
.trust-item p { margin-top: 4px; color: var(--muted); font-size: .94rem; }

/* ---------- Footer ---------- */
.site-footer {
  --logo-bg: #FFFFFF;
  --logo-fg: #102B46;
  background: var(--navy);
  color: rgba(255, 255, 255, .86);
  padding-top: clamp(48px, 6vw, 72px);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.1fr;
  gap: 36px clamp(24px, 4vw, 56px);
}
.footer-grid > div { min-width: 0; }
.site-footer .brand { color: var(--white); }
.site-footer .wordmark span { color: #8FC3DD; }
.footer-about { max-width: 22em; margin-top: 16px; font-size: .94rem; }
.site-footer h2 {
  margin-bottom: 14px;
  color: var(--white);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.site-footer li + li { margin-top: 9px; }
.site-footer li a { font-size: .95rem; text-decoration: none; }
.site-footer li a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 4px; }
.footer-bottom {
  display: grid;
  gap: 10px;
  margin-top: clamp(36px, 5vw, 56px);
  padding-block: 24px 32px;
  border-top: 1px solid rgba(255, 255, 255, .16);
  font-size: .875rem;
}
.footer-bottom p { max-width: 60em; }
.footer-bottom .copy { color: rgba(255, 255, 255, .7); }

/* ---------- Toast for demo links ---------- */
.toast {
  position: fixed;
  left: 50%;
  bottom: calc(20px + env(safe-area-inset-bottom, 0px));
  z-index: 90;
  width: max-content;
  max-width: calc(100% - 32px);
  padding: 12px 18px;
  border-radius: 12px;
  background: var(--navy);
  color: var(--white);
  font-size: .9rem;
  font-weight: 500;
  box-shadow: var(--shadow-md);
  transform: translate(-50%, 16px);
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s ease, transform .2s ease;
}
.toast.show { opacity: 1; transform: translate(-50%, 0); }
.toast code { font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size: .85em; color: #BFE3F2; word-break: break-all; }

/* ---------- Reserved: future ad slot pattern ----------
   Not used on this page. Kept so later article templates can add a labeled,
   responsive slot that stays visually separate from editorial content.   */
.ad-slot {
  display: block;
  max-width: 100%;
  margin: 32px auto;
  min-height: 250px;
  text-align: center;
}
.ad-slot::before {
  content: "Advertisement";
  display: block;
  margin-bottom: 6px;
  color: var(--muted);
  font-size: .7rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}

/* ---------- Tablet ---------- */
@media (max-width: 1060px) {
  .topic-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .article-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { left: 12px; }
  .feature-grid { grid-template-columns: 1fr; }
  .feature-card { aspect-ratio: 1 / 1; }
  .trust-grid { grid-template-columns: 1fr; }

  .menu-toggle { display: inline-flex; }
  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    max-height: calc(100dvh - var(--header-h) - env(safe-area-inset-top, 0px));
    overflow-y: auto;
    padding: 8px max(16px, env(safe-area-inset-right, 0px)) 20px max(16px, env(safe-area-inset-left, 0px));
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
  }
  .nav-open .site-nav { display: block; }
  .nav-list { flex-direction: column; align-items: stretch; gap: 2px; }
  .nav-link, .nav-btn { width: 100%; justify-content: space-between; min-height: 48px; font-size: 1rem; }
  .nav-calc > .nav-btn { margin: 8px 0 0; }
  .dropdown,
  .dropdown.cols,
  .nav-item:last-child > .dropdown {
    position: static;
    min-width: 0;
    padding: 4px 0 8px 12px;
    border: 0;
    box-shadow: none;
    background: none;
  }
  .nav-item.open > .dropdown { display: block; }
  .dropdown a { padding: 11px 12px; }
}

@media (max-width: 640px) {
  .article-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions .btn { flex: 1 1 100%; }
  .hero-card { left: 0; right: 0; margin-inline: auto; }
  .proto-bar { font-size: .75rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}



/* Homeownership Numbers — internal guide and calculator components. Base tokens and components above are inherited from the original Homepage. */
.breadcrumb-band { background: var(--gray); border-bottom: 1px solid var(--line); }
.breadcrumbs { display:flex; flex-wrap:wrap; align-items:center; gap:8px; min-height:48px; color:var(--muted); font-size:.875rem; }
.breadcrumbs a { color:var(--navy); text-decoration:none; font-weight:600; }
.breadcrumbs a:hover { text-decoration:underline; text-underline-offset:3px; }
.breadcrumbs .sep { color:#8A9AA5; }
.internal-hero { background:var(--sky); padding-block:clamp(38px,6vw,72px); }
.internal-hero .wrap { max-width:calc(900px + 32px); }
.internal-hero h1 { color:var(--navy); font-size:clamp(2.1rem,1.25rem + 3.3vw,3.35rem); font-weight:800; line-height:1.08; letter-spacing:-.035em; text-wrap:balance; }
.internal-hero .lead { max-width:48em; margin-top:16px; font-size:clamp(1.02rem,.96rem + .35vw,1.18rem); }
.page-kicker { color:var(--green-ink); font-size:.78rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; margin-bottom:14px; }
.page-actions { display:flex; gap:12px; flex-wrap:wrap; margin-top:24px; }
.content-shell { display:grid; grid-template-columns:minmax(0,1fr) 290px; gap:clamp(28px,4vw,56px); align-items:start; padding-block:clamp(36px,5vw,64px); }
.prose { min-width:0; color:var(--ink); font-size:1rem; line-height:1.75; }
.prose > * + * { margin-top:1.05em; }
.prose h2 { margin-top:2.15em; color:var(--navy); font-size:clamp(1.55rem,1.2rem + 1vw,2rem); line-height:1.2; letter-spacing:-.025em; }
.prose h3 { margin-top:1.55em; color:var(--navy); font-size:1.2rem; line-height:1.3; }
.prose p { max-width:76ch; }
.prose ul, .prose ol { padding-left:1.3rem; list-style:disc; }
.prose ol { list-style:decimal; }
.prose li + li { margin-top:.45em; }
.prose a { color:#245F84; text-decoration:underline; text-underline-offset:3px; }
.prose strong { color:var(--navy); }
.prose .small-note { color:var(--muted); font-size:.9rem; }
.article-meta { display:flex; flex-wrap:wrap; gap:8px 16px; color:var(--muted); font-size:.86rem; margin-bottom:22px; }
.eyebrow-pill { display:inline-flex; align-items:center; gap:7px; border:1px solid var(--line); background:var(--white); border-radius:999px; padding:5px 11px; color:var(--navy); font-size:.76rem; font-weight:700; }
.quick-answer, .callout { padding:clamp(20px,3vw,30px); background:var(--sky); border:1px solid #D5E7EF; border-left:4px solid var(--green); border-radius:var(--radius); }
.quick-answer h2, .callout h2 { margin:0 0 10px; font-size:1.25rem; }
.quick-answer p, .callout p { margin:0; }
.quick-number { display:block; color:var(--navy); font-size:clamp(2rem,1.2rem + 2vw,2.65rem); font-weight:800; line-height:1.1; letter-spacing:-.03em; margin:10px 0; }
.sidebar { display:grid; gap:16px; position:sticky; top:92px; }
.side-card { padding:22px; border:1px solid var(--line); border-radius:var(--radius-lg); background:var(--white); box-shadow:var(--shadow-sm); }
.side-card h2 { margin-bottom:10px; color:var(--navy); font-size:1.08rem; line-height:1.25; }
.side-card p { color:var(--muted); font-size:.92rem; }
.side-card .btn { width:100%; margin-top:16px; }
.side-list { display:grid; gap:8px; margin-top:12px; }
.side-list a { display:block; padding:9px 0; border-top:1px solid var(--line); color:var(--navy); text-decoration:none; font-weight:600; font-size:.92rem; }
.side-list a:hover { text-decoration:underline; }
.guide-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:16px; margin-top:20px; }
.guide-card { display:flex; flex-direction:column; gap:9px; padding:20px; background:var(--white); border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow-sm); }
.guide-card h3 { margin:0; font-size:1.05rem; }
.guide-card h3 a { color:var(--navy); text-decoration:none; }
.guide-card h3 a:hover { text-decoration:underline; text-underline-offset:3px; }
.guide-card p { color:var(--muted); font-size:.9rem; }
.guide-status { align-self:flex-start; padding:3px 9px; border-radius:999px; background:var(--gray); border:1px solid var(--line); color:var(--muted); font-size:.7rem; font-weight:700; text-transform:uppercase; letter-spacing:.06em; }
.guide-status.live { background:var(--green-tint); border-color:#BDE1D2; color:#1F6B51; }
.table-scroll { width:100%; overflow-x:auto; border:1px solid var(--line); border-radius:var(--radius); margin-block:18px; }
.data-table { border-collapse:collapse; width:100%; min-width:520px; background:var(--white); font-variant-numeric:tabular-nums; }
.data-table th, .data-table td { padding:13px 16px; border-bottom:1px solid var(--line); text-align:right; white-space:nowrap; }
.data-table th:first-child, .data-table td:first-child { text-align:left; }
.data-table thead th { color:var(--navy); background:var(--sky); font-size:.86rem; }
.data-table tbody tr:last-child td { border-bottom:0; }
.data-table caption { text-align:left; padding:12px 16px; color:var(--muted); font-size:.83rem; }
.faq-list { display:grid; gap:10px; margin-top:18px; }
.faq-list details { border:1px solid var(--line); border-radius:12px; padding:15px 18px; background:var(--white); }
.faq-list summary { cursor:pointer; color:var(--navy); font-weight:700; }
.faq-list details p { margin-top:10px; color:var(--muted); }
.source-list { display:grid; gap:9px; padding-left:0!important; list-style:none!important; }
.source-list li { padding:12px 14px; background:var(--gray); border-radius:10px; font-size:.9rem; }
.source-list a { font-weight:650; }
.page-end { background:var(--gray); padding-block:36px; margin-top:12px; }
.page-end .wrap { display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:20px; }
.page-end h2 { color:var(--navy); font-size:1.35rem; }
.page-end p { color:var(--muted); margin-top:5px; max-width:48em; }
.calc-intro { padding-block:34px 12px; }
.calc-layout { display:grid; grid-template-columns:minmax(0,1fr) minmax(310px,.88fr); gap:24px; align-items:start; padding-bottom:60px; }
.calc-panel { background:var(--white); border:1px solid var(--line); border-radius:var(--radius-lg); box-shadow:var(--shadow-sm); padding:clamp(20px,3vw,30px); }
.calc-panel h2 { color:var(--navy); font-size:1.35rem; line-height:1.2; margin-bottom:8px; }
.calc-panel > p { color:var(--muted); font-size:.92rem; margin-bottom:20px; }
.field-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:17px 14px; }
.field { display:flex; flex-direction:column; gap:7px; min-width:0; }
.field label { color:var(--navy); font-size:.88rem; font-weight:700; }
.field input, .field select { width:100%; min-width:0; min-height:47px; padding:10px 12px; border:1px solid #C8D6DE; border-radius:10px; background:#fff; color:var(--ink); font:inherit; font-size:1rem; }
.field input:focus, .field select:focus { border-color:var(--blue); outline:3px solid rgba(57,118,155,.16); }
.field small { color:var(--muted); font-size:.78rem; line-height:1.35; }
.field-wide { grid-column:1 / -1; }
.form-actions { display:flex; flex-wrap:wrap; gap:10px; margin-top:22px; }
.form-actions button { cursor:pointer; }
.form-note { margin-top:15px; color:var(--muted); font-size:.82rem; }
.error-box { margin-top:14px; padding:12px 14px; border:1px solid #E4B6B6; background:#FFF4F3; color:#8F2E2A; border-radius:10px; font-size:.9rem; }
.error-box[hidden] { display:none!important; }
.total-result { padding:22px; border-radius:16px; background:var(--navy); color:var(--white); }
.total-result .label { color:#C4D8E5; font-size:.84rem; font-weight:650; }
.total-result strong { display:block; color:var(--white); font-size:clamp(2.1rem,1.4rem + 2vw,2.75rem); line-height:1.18; letter-spacing:-.03em; margin-top:5px; }
.total-result p { color:#D9E6EE; font-size:.83rem; margin-top:8px; }
.result-breakdown { margin-top:18px; display:grid; gap:0; }
.result-row { display:flex; align-items:flex-start; justify-content:space-between; gap:16px; padding:12px 0; border-bottom:1px solid var(--line); color:var(--muted); font-size:.91rem; }
.result-row strong { color:var(--navy); font-weight:750; white-space:nowrap; font-variant-numeric:tabular-nums; }
.result-row:last-child { border-bottom:0; }
.result-subhead { color:var(--navy); font-weight:750; margin:20px 0 5px; }
.result-grid { display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-top:18px; }
.result-mini { padding:14px; border-radius:12px; background:var(--gray); }
.result-mini span { display:block; color:var(--muted); font-size:.78rem; line-height:1.35; }
.result-mini strong { display:block; color:var(--navy); font-size:1.08rem; margin-top:5px; font-variant-numeric:tabular-nums; }
.disclaimer-note { margin-top:18px; padding:14px 16px; background:var(--gray); border-radius:12px; color:var(--muted); font-size:.84rem; }
@media (max-width: 960px) { .content-shell { grid-template-columns:1fr; } .sidebar { position:static; grid-template-columns:repeat(2,minmax(0,1fr)); } .calc-layout { grid-template-columns:1fr; } }
@media (max-width: 640px) { .guide-grid, .sidebar, .field-grid, .result-grid { grid-template-columns:1fr; } .field-wide { grid-column:auto; } .page-actions .btn { flex:1 1 100%; } .breadcrumbs { font-size:.8rem; } .data-table th, .data-table td { padding:11px 12px; } }



/* Navigation and honest destination states — minimal additions to the existing design. */
.site-header { isolation: isolate; }
.nav-item.has-menu { z-index: 1; }
.nav-item.has-menu.open { z-index: 80; }
.nav-item.has-menu > .dropdown { z-index: 90; }
.nav-item.has-menu.open > .dropdown { display: grid; }
.nav-item.has-menu.open > .nav-btn { background: var(--sky); }
.nav-calc.has-menu.open > .nav-btn { background: var(--navy-2); }
@media (max-width: 900px) {
  .nav-item.has-menu.open > .dropdown { display: block; }
  .nav-item.has-menu.open { z-index: auto; }
}



/* Phase 6 editorial review additions — intentionally lightweight and consistent with existing cards. */
.methodology-note, .review-note {
  margin: 24px 0;
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--gray);
}
.methodology-note h2 { margin-top: 0; }
.methodology-note p:last-child { margin-bottom: 0; }
.review-note {
  color: var(--muted);
  font-size: .94rem;
}
.review-note strong { color: var(--navy); }
@media (max-width: 640px) {
  .methodology-note, .review-note { padding: 15px 16px; }
}


/* Editorial article visuals — added in the final quality pass. */
.article-visual { margin: 0 auto 30px; max-width: 980px; }
.article-visual img { display:block; width:100%; height:auto; aspect-ratio: 3 / 2; object-fit:cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); border:1px solid var(--line); }
.article-visual figcaption { margin-top:8px; color:var(--muted); font-size:.84rem; }
@media (max-width: 640px) { .article-visual { margin-bottom:24px; } .article-visual img { border-radius:14px; } }

.trust-meta { margin-top: 10px; color: var(--muted); font-size: .9rem; }


/* Article photography uses responsive cover crops; no illustrated hero assets are loaded. */
.article-visual.editorial-photo { margin: 0 auto 32px; max-width: 980px; }
.article-visual.editorial-photo img { object-fit: cover; object-position: center; }
.article-visual.editorial-photo figcaption { max-width: 78ch; margin: 9px auto 0; color: var(--muted); font-size: .84rem; line-height: 1.5; }
.methodology-note { margin:16px 0; padding:16px 18px; border-left:4px solid var(--blue); border-radius:0 12px 12px 0; background:#f1f7fc; color:var(--navy); }
@media (max-width:640px) { .article-visual.editorial-photo { margin-bottom:24px; } .article-visual.editorial-photo img { border-radius:14px; } }

/* Offline contact preview — live submissions are handled by the WordPress contact plugin. */
.hfa-preview-contact{margin:2rem 0;padding:1.5rem;border:1px solid #d7e3ec;border-radius:18px;background:#f7fbfd}.hfa-preview-contact fieldset{border:0;padding:0;margin:1rem 0 0}.hfa-preview-contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.hfa-preview-contact label{display:grid;gap:.4rem;font-weight:600}.hfa-preview-contact label.wide{grid-column:1/-1}.hfa-preview-contact input,.hfa-preview-contact select,.hfa-preview-contact textarea{width:100%;padding:.8rem;border:1px solid #bdccd7;border-radius:9px;background:#fff;color:#102b46}.hfa-preview-contact input:disabled,.hfa-preview-contact select:disabled,.hfa-preview-contact textarea:disabled{opacity:.75}@media(max-width:640px){.hfa-preview-contact-grid{grid-template-columns:1fr}.hfa-preview-contact label.wide{grid-column:auto}}