/* =========================================================
   MyHelocRates.com — Global Stylesheet
   Single source of truth for all site styling.
   Do not add <style> blocks to individual pages — edit here only.
   ========================================================= */

* { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0f2557;
  --navy-mid: #1a3a6b;
  --navy-light: #e8eef7;
  --gold: #c9a84c;
  --gold-dark: #a07c28;
  --gold-light: #f5ecd4;
  --white: #ffffff;
  --bg: #f9f8f6;
  --text: #1a1a2e;
  --text-muted: #5f5e5a;
  --border: rgba(0,0,0,0.10);
}

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
}

a { color: var(--navy-mid); }

/* =========================================================
   1. NAVIGATION
   ========================================================= */

.nav { position: sticky; top: 0; z-index: 100; background: var(--navy); border-bottom: 1px solid rgba(255,255,255,0.08); }
.nav-inner { max-width: 1060px; margin: 0 auto; padding: 0 2rem; display: flex; align-items: center; justify-content: space-between; height: 62px; gap: 1rem; }
.nav-logo { font-family: 'DM Serif Display', serif; font-size: 1.25rem; color: var(--white); white-space: nowrap; flex-shrink: 0; text-decoration: none; }
.nav-logo span { color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 0.25rem; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.82); font-size: 0.85rem; font-weight: 500; padding: 0.4rem 0.65rem; border-radius: 6px; transition: color 0.18s, background 0.18s; text-decoration: none; white-space: nowrap; }
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-links a.active { color: var(--white); }
.nav-cta { background: var(--gold); color: var(--navy) !important; font-weight: 600 !important; padding: 0.45rem 1rem !important; border-radius: 7px !important; white-space: nowrap; transition: background 0.18s !important; }
.nav-cta:hover { background: var(--gold-dark) !important; }
.nav-mobile-toggle { display: none; background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer; padding: 0.25rem; }

@media (max-width: 768px) {
  .nav { position: relative; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 62px; left: 0; right: 0; background: var(--navy); padding: 1rem 2rem 1.5rem; gap: 0.25rem; border-bottom: 1px solid rgba(255,255,255,0.1); z-index: 99; }
  .nav-mobile-toggle { display: block; }
}

/* =========================================================
   2. PAGE HEADER / HERO
   ========================================================= */

.page-header { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); padding: 4rem 2rem 3.5rem; text-align: center; }
.page-header-inner { max-width: 820px; margin: 0 auto; }
.hero-pill { display: inline-flex; align-items: center; gap: 0.4rem; background: rgba(201,168,76,0.15); border: 1px solid rgba(201,168,76,0.4); color: var(--gold); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.6px; text-transform: uppercase; padding: 0.35rem 1rem; border-radius: 100px; margin-bottom: 1.25rem; }
.page-header h1 { font-family: 'DM Serif Display', serif; font-size: clamp(2rem, 4.5vw, 3rem); color: var(--white); line-height: 1.2; margin-bottom: 1.25rem; }
.page-header-meta { display: inline-flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; justify-content: center; font-size: 0.82rem; color: rgba(255,255,255,0.55); }
.page-header-meta span { display: flex; align-items: center; gap: 0.4rem; }
.page-header-meta i { font-size: 0.95rem; }
.meta-divider { width: 1px; height: 14px; background: rgba(255,255,255,0.2); }
.page-header-desc { color: rgba(255,255,255,0.65); font-size: 1rem; line-height: 1.7; max-width: 480px; margin: 0 auto; }
.page-header h1 em { color: var(--gold); font-style: normal; }

/* =========================================================
   3b. FOUNDER / EDITORIAL LETTER CARD
   Reusable for About page and similar editorial-profile pages
   ========================================================= */

.founder-wrap { max-width: 900px; margin: 0 auto; padding: 4rem 2rem; }
.founder-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 18px; padding: 2.5rem 2.75rem; position: relative; box-shadow: 0 4px 24px rgba(15,37,87,0.07); }
.founder-card::before { content: ''; position: absolute; top: 0; left: 2.75rem; right: 2.75rem; height: 3px; background: linear-gradient(90deg, var(--gold), var(--navy)); border-radius: 0 0 4px 4px; }
.founder-eyebrow { font-size: 12px; font-weight: 600; color: var(--gold-dark); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 1rem; }
.founder-card h2 { font-family: 'DM Serif Display', serif; font-size: 26px; font-weight: 400; color: var(--text); margin-bottom: 1.5rem; line-height: 1.3; }
.founder-body { font-size: 16px; color: var(--text-muted); line-height: 1.85; }
.founder-body p { margin-bottom: 1.2rem; }
.founder-body p:last-of-type { margin-bottom: 0; }
.founder-body strong { color: var(--text); font-weight: 600; }
.founder-sig { margin-top: 2rem; padding-top: 1.5rem; border-top: 0.5px solid var(--border); display: flex; align-items: center; gap: 1.25rem; }
.founder-avatar { width: 54px; height: 54px; background: var(--navy-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.founder-avatar i { color: var(--navy); font-size: 28px; }
.founder-sig-name { font-weight: 600; font-size: 15px; color: var(--text); }
.founder-sig-role { font-size: 13px; color: var(--text-muted); }
.founder-sig-flag { font-size: 12px; color: var(--text-muted); margin-top: 2px; }

/* =========================================================
   3c. INSIGHT / CALLOUT BAND (full-width)
   ========================================================= */

.insight-band { background: var(--gold-light); border-top: 0.5px solid rgba(201,168,76,0.3); border-bottom: 0.5px solid rgba(201,168,76,0.3); padding: 2.25rem 2rem; }
.insight-inner { max-width: 900px; margin: 0 auto; display: flex; gap: 1.5rem; align-items: flex-start; }
.insight-icon { color: var(--gold-dark); font-size: 30px; flex-shrink: 0; margin-top: 2px; }
.insight-inner h3 { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.insight-inner p { font-size: 14px; color: var(--text-muted); line-height: 1.75; margin: 0; }

/* =========================================================
   3d. GENERIC SECTION (label + serif title + body)
   ========================================================= */

.section { max-width: 900px; margin: 0 auto; padding: 3.5rem 2rem; }
.section-label { font-size: 12px; color: var(--gold-dark); font-weight: 600; text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 0.5rem; }
.section-title { font-family: 'DM Serif Display', serif; font-size: 28px; font-weight: 400; color: var(--text); margin-bottom: 0.75rem; line-height: 1.25; }
.section-body { font-size: 16px; color: var(--text-muted); line-height: 1.8; max-width: 700px; }
hr.section-rule { border: none; border-top: 0.5px solid var(--border); max-width: 900px; margin: 0 auto; }

/* =========================================================
   3e. VALUES GRID (3-up cards)
   ========================================================= */

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 2.5rem; }
.value-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.4rem; }
.value-icon { width: 44px; height: 44px; background: var(--navy-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 1rem; }
.value-icon i { color: var(--navy); font-size: 22px; }
.value-card h3 { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 0.4rem; }
.value-card p { font-size: 13px; color: var(--text-muted); line-height: 1.65; }

@media (max-width: 768px) { .values-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .values-grid { grid-template-columns: 1fr; } }

/* =========================================================
   3f. RESEARCH / METHODOLOGY LIST
   Reusable for About and the future Editorial Standards page
   ========================================================= */

.research-list { list-style: none; margin-top: 2rem; display: flex; flex-direction: column; gap: 0.75rem; }
.research-item { display: flex; align-items: flex-start; gap: 12px; background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1rem 1.25rem; }
.research-item i { color: var(--gold-dark); font-size: 22px; flex-shrink: 0; margin-top: 1px; }
.research-item div h4 { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 2px; }
.research-item div p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin: 0; }

/* =========================================================
   3g. DISCLAIMER / INFO BAND (full-width, distinct from .callout)
   ========================================================= */

.disclaimer-band { background: var(--navy-light); border-top: 0.5px solid rgba(15,37,87,0.12); border-bottom: 0.5px solid rgba(15,37,87,0.12); padding: 2rem; }
.disclaimer-band-inner { max-width: 900px; margin: 0 auto; display: flex; gap: 1.25rem; align-items: flex-start; }
.disclaimer-band-inner i { color: var(--navy); font-size: 26px; flex-shrink: 0; margin-top: 2px; }
.disclaimer-band-inner h3 { font-size: 15px; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.disclaimer-band-inner p { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin: 0; }

/* =========================================================
   3h. IN-PAGE CTA SECTION
   ========================================================= */

.cta-section { text-align: center; padding: 4rem 2rem; max-width: 600px; margin: 0 auto; }
.cta-section h2 { font-family: 'DM Serif Display', serif; font-size: 28px; font-weight: 400; color: var(--text); margin-bottom: 0.75rem; }
.cta-section p { font-size: 15px; color: var(--text-muted); margin-bottom: 1.75rem; }
.cta-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.btn-primary { background: var(--navy); color: white; padding: 12px 24px; border-radius: 8px; font-size: 15px; font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; transition: background 0.2s; }
.btn-primary:hover { background: var(--navy-mid); }
.btn-secondary { background: transparent; color: var(--navy); border: 0.5px solid var(--navy); padding: 12px 24px; border-radius: 8px; font-size: 15px; font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; transition: all 0.2s; }
.btn-secondary:hover { background: var(--navy-light); }

/* =========================================================
   3. MAIN CONTENT LAYOUT (2-column — content + sidebar)
   ========================================================= */

.main-wrap { max-width: 1060px; margin: 0 auto; padding: 2.5rem 2rem 4rem; display: grid; grid-template-columns: 1fr 280px; gap: 3rem; align-items: start; }

@media (max-width: 768px) {
  .main-wrap { grid-template-columns: 1fr; padding: 2rem 1.25rem; gap: 2rem; }
}

/* Simple single-column layout — used for legal / short-form pages with no sidebar */
.simple-wrap { max-width: 760px; margin: 0 auto; padding: 3rem 2rem 4rem; }

@media (max-width: 768px) {
  .simple-wrap { padding: 2rem 1.25rem; }
}

.article h2 { font-family: 'DM Serif Display', serif; font-size: 1.5rem; font-weight: 400; color: var(--navy); margin: 2rem 0 0.75rem; padding-top: 1.25rem; border-top: 0.5px solid var(--border); }
.article h2:first-of-type { border-top: none; margin-top: 0; padding-top: 0; }
.article h3 { font-family: 'DM Serif Display', serif; font-size: 1.15rem; font-weight: 400; color: var(--navy); margin: 1.5rem 0 0.5rem; }
.article p { margin-bottom: 1rem; font-size: 0.95rem; color: var(--text); }
.article ul, .article ol { margin: 0 0 1rem 1.5rem; }
.article li { font-size: 0.95rem; color: var(--text); margin-bottom: 0.4rem; }

/* =========================================================
   4. CALLOUT BOXES
   ========================================================= */

.callout { border-radius: 10px; padding: 1.1rem 1.4rem; margin: 1.75rem 0; display: flex; gap: 0.85rem; align-items: flex-start; }
.callout-warning { background: #fff7ed; border: 1px solid #fed7aa; }
.callout-tip { background: var(--navy-light); border: 1px solid rgba(15,37,87,0.12); }
.callout-key { background: var(--gold-light); border: 1px solid rgba(201,168,76,0.3); }
.callout i { font-size: 1.2rem; flex-shrink: 0; margin-top: 2px; }
.callout-warning i { color: #ea580c; }
.callout-tip i { color: var(--navy); }
.callout-key i { color: var(--gold-dark); }
.callout-content p { font-size: 0.88rem; line-height: 1.7; margin: 0; color: var(--text); }
.callout-content strong { color: var(--navy); display: block; margin-bottom: 0.2rem; font-size: 0.88rem; }

/* Four-colour callout variants (used across pillar/blog content) */
.callout-block { border-radius: 0 12px 12px 0; padding: 1.25rem 1.5rem; margin: 1.75rem 0; border-left: 4px solid; }
.callout-block.c-navy { background: var(--navy-light); border-color: var(--navy); }
.callout-block.c-gold { background: var(--gold-light); border-color: var(--gold-dark); }
.callout-block.c-green { background: #eaf3de; border-color: #3b6d11; }
.callout-block.c-red { background: #fce8e8; border-color: #a32d2d; }
.callout-block strong { display: block; font-size: 12px; text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 0.4rem; }
.callout-block.c-navy strong { color: var(--navy); }
.callout-block.c-gold strong { color: var(--gold-dark); }
.callout-block.c-green strong { color: #3b6d11; }
.callout-block.c-red strong { color: #a32d2d; }
.callout-block p { margin: 0; font-size: 0.92rem; }

/* =========================================================
   3i. TABLE OF CONTENTS
   ========================================================= */

.toc { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.25rem; margin-bottom: 2rem; }
.toc h4 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted); margin-bottom: 0.75rem; }
.toc ol { margin: 0 0 0 1.25rem; }
.toc li { font-size: 14px; margin-bottom: 0.4rem; }
.toc a { color: var(--navy-mid); text-decoration: none; }
.toc a:hover { color: var(--gold-dark); }

/* =========================================================
   3j. STATS BAND (full-width, below hero)
   ========================================================= */

.stats-band { background: var(--gold-light); border-top: 0.5px solid rgba(201,168,76,0.3); border-bottom: 0.5px solid rgba(201,168,76,0.3); padding: 1.5rem 2rem; }
.stats-inner { max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; text-align: center; }
.stat-item .num { font-size: 24px; font-weight: 600; color: var(--navy); display: block; }
.stat-item .lbl { font-size: 12px; color: var(--text-muted); line-height: 1.4; }

@media (max-width: 768px) { .stats-inner { grid-template-columns: 1fr 1fr; } }

/* =========================================================
   3k. TIMELINE / ANATOMY VISUAL (e.g. draw period vs repayment)
   ========================================================= */

.anatomy { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.5rem; margin: 1.75rem 0; }
.anatomy h4 { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted); margin-bottom: 1.25rem; }
.timeline { display: flex; gap: 0; position: relative; }
.timeline-phase { flex: 1; }
.phase-bar { height: 12px; border-radius: 0; }
.phase-bar.draw { background: var(--navy); border-radius: 6px 0 0 6px; }
.phase-bar.repay { background: var(--gold-dark); border-radius: 0 6px 6px 0; }
.phase-label { font-size: 12px; font-weight: 600; margin-top: 8px; }
.phase-label.draw { color: var(--navy); }
.phase-label.repay { color: var(--gold-dark); }
.phase-detail { font-size: 12px; color: var(--text-muted); margin-top: 3px; }
.phase-payments { display: flex; gap: 1rem; margin-top: 1rem; flex-wrap: wrap; }
.payment-box { flex: 1; min-width: 140px; background: var(--bg); border: 0.5px solid var(--border); border-radius: 8px; padding: 0.75rem; text-align: center; }
.payment-box .p-label { font-size: 11px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.3px; }
.payment-box .p-val { font-size: 16px; font-weight: 600; color: var(--navy); margin-top: 2px; }
.payment-box .p-val.gold { color: var(--gold-dark); }

/* =========================================================
   3l. USE-CASE GRID
   ========================================================= */

.use-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; margin: 1.5rem 0; }
.use-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1rem; text-align: center; }
.use-card i { font-size: 26px; margin-bottom: 0.5rem; display: block; }
.use-card h4 { font-size: 13px; font-weight: 600; color: var(--text); margin-bottom: 0.25rem; }
.use-card p { font-size: 12px; color: var(--text-muted); line-height: 1.5; margin: 0; }

@media (max-width: 768px) { .use-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .use-grid { grid-template-columns: 1fr; } }

/* =========================================================
   3m. PROS / CONS SPLIT
   ========================================================= */

.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
.pro-col, .con-col { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.1rem; }
.pro-col h4 { color: #3b6d11; font-size: 14px; font-weight: 600; margin-bottom: 0.75rem; display: flex; align-items: center; gap: 6px; }
.con-col h4 { color: #a32d2d; font-size: 14px; font-weight: 600; margin-bottom: 0.75rem; display: flex; align-items: center; gap: 6px; }
.pro-col ul, .con-col ul { list-style: none; margin: 0; padding: 0; }
.pro-col li, .con-col li { font-size: 13px; color: var(--text); padding: 5px 0; border-bottom: 0.5px solid var(--border); display: flex; gap: 8px; line-height: 1.5; }
.pro-col li:last-child, .con-col li:last-child { border-bottom: none; }
.pro-col li::before { content: "✓"; color: #3b6d11; font-weight: 600; flex-shrink: 0; }
.con-col li::before { content: "✗"; color: #a32d2d; font-weight: 600; flex-shrink: 0; }

@media (max-width: 768px) { .pros-cons { grid-template-columns: 1fr; } }

/* =========================================================
   3n. SIDEBAR (used inside .main-wrap two-column layout)
   ========================================================= */

.sidebar-sticky { position: sticky; top: 84px; display: flex; flex-direction: column; gap: 1rem; }
.sidebar-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.25rem; }
.sidebar-card h3 { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 0.75rem; padding-bottom: 0.5rem; border-bottom: 0.5px solid var(--border); display: flex; align-items: center; gap: 6px; }
.sidebar-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin-bottom: 1rem; }
.sidebar-btn { display: block; background: var(--navy); color: white; text-align: center; padding: 10px; border-radius: 8px; font-size: 14px; font-weight: 600; text-decoration: none; transition: background 0.2s; margin-bottom: 0.5rem; }
.sidebar-btn:hover { background: var(--navy-mid); }
.sidebar-btn.gold { background: var(--gold-dark); margin-bottom: 0; }
.quick-facts { list-style: none; }
.quick-facts li { font-size: 13px; padding: 7px 0; border-bottom: 0.5px solid var(--border); display: flex; justify-content: space-between; gap: 0.5rem; }
.quick-facts li:last-child { border-bottom: none; }
.quick-facts .qf-label { color: var(--text-muted); }
.quick-facts .qf-val { font-weight: 600; color: var(--navy); text-align: right; }
.related-list { list-style: none; }
.related-list li { padding: 7px 0; border-bottom: 0.5px solid var(--border); font-size: 13px; }
.related-list li:last-child { border-bottom: none; }
.related-list a { color: var(--navy-mid); text-decoration: none; }
.related-list a:hover { color: var(--gold-dark); }

/* =========================================================
   5n. CONTACT FORM FIELDS
   ========================================================= */

.field { margin-bottom: 1.1rem; }
.field label { display: block; font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted); margin-bottom: 6px; }
.field input, .field select, .field textarea { width: 100%; padding: 11px 13px; border: 0.5px solid var(--border); border-radius: 8px; font-size: 15px; color: var(--text); background: var(--bg); font-family: 'DM Sans', sans-serif; transition: border-color 0.2s, box-shadow 0.2s; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy-mid); box-shadow: 0 0 0 3px rgba(26,58,107,0.08); }
.field textarea { resize: vertical; min-height: 130px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

@media (max-width: 768px) { .field-row { grid-template-columns: 1fr; } }

/* =========================================================
   5o. FORM ALERTS (success / error)
   ========================================================= */

.alert { border-radius: 10px; padding: 1rem 1.25rem; margin-top: 1.25rem; display: none; align-items: flex-start; gap: 10px; }
.alert.show { display: flex; }
.alert i { font-size: 20px; flex-shrink: 0; margin-top: 1px; }
.alert div { font-size: 14px; line-height: 1.6; }
.alert div strong { display: block; margin-bottom: 2px; font-size: 14px; }
.alert.success { background: #eaf3de; border: 0.5px solid #97c459; }
.alert.success i, .alert.success strong, .alert.success div { color: #3b6d11; }
.alert.error { background: #fce8e8; border: 0.5px solid #f09595; }
.alert.error i, .alert.error strong, .alert.error div { color: #a32d2d; }

/* =========================================================
   5p. CONTACT INFO ITEMS + TOPIC LIST
   ========================================================= */

.contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 1rem; }
.contact-item:last-child { margin-bottom: 0; }
.contact-icon { width: 36px; height: 36px; background: var(--navy-light); border-radius: 9px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-icon i { color: var(--navy); font-size: 18px; }
.contact-detail h4 { font-size: 13px; font-weight: 600; color: var(--text); margin-bottom: 1px; }
.contact-detail p { font-size: 13px; color: var(--text-muted); line-height: 1.5; margin: 0; }
.contact-detail a { color: var(--navy-mid); font-size: 13px; text-decoration: none; }
.contact-detail a:hover { color: var(--gold-dark); }

.topic-list { list-style: none; }
.topic-list li { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--text-muted); padding: 6px 0; border-bottom: 0.5px solid var(--border); }
.topic-list li:last-child { border-bottom: none; }
.topic-list li i { color: var(--gold-dark); font-size: 16px; }

/* =========================================================
   5q. GLOSSARY: HERO STATS ROW
   ========================================================= */

.glossary-hero-stats { display: flex; justify-content: center; gap: 2.5rem; flex-wrap: wrap; margin-top: 1.5rem; }
.glossary-hero-stats .g-stat .num { font-family: 'DM Serif Display', serif; font-size: 28px; color: var(--gold); display: block; }
.glossary-hero-stats .g-stat .lbl { font-size: 13px; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.5px; }

/* =========================================================
   5r. GLOSSARY: SEARCH BAR + ALPHA NAV
   ========================================================= */

.search-bar-wrap { background: var(--white); border-bottom: 0.5px solid var(--border); padding: 1.25rem 2rem; position: sticky; top: 62px; z-index: 90; box-shadow: 0 2px 8px rgba(15,37,87,0.06); }
.search-bar-inner { max-width: 1060px; margin: 0 auto; display: flex; align-items: center; gap: 1rem; flex-wrap: wrap; }
.search-input-wrap { position: relative; flex: 1; min-width: 220px; }
.search-input-wrap i { position: absolute; left: 0.85rem; top: 50%; transform: translateY(-50%); color: var(--text-muted); font-size: 1.1rem; pointer-events: none; }
.search-input-wrap input { width: 100%; padding: 0.65rem 0.9rem 0.65rem 2.5rem; border: 0.5px solid var(--border); border-radius: 8px; font-family: 'DM Sans', sans-serif; font-size: 0.95rem; color: var(--text); background: var(--bg); }
.search-input-wrap input:focus { outline: none; border-color: var(--navy); }
.alpha-nav { display: flex; flex-wrap: wrap; gap: 0.25rem; }
.alpha-btn { background: none; border: 0.5px solid var(--border); border-radius: 5px; padding: 0.25rem 0.55rem; font-family: 'DM Sans', sans-serif; font-size: 0.8rem; font-weight: 600; color: var(--text-muted); cursor: pointer; transition: all 0.2s; }
.alpha-btn:hover, .alpha-btn.active { background: var(--navy); color: white; border-color: var(--navy); }

/* =========================================================
   5s. GLOSSARY: LETTER SECTIONS + TERM CARDS
   ========================================================= */

.letter-section { margin-bottom: 2.5rem; }
.letter-anchor { display: flex; align-items: center; gap: 1rem; margin-bottom: 1.25rem; }
.letter-badge { background: var(--navy); color: white; font-family: 'DM Serif Display', serif; font-size: 1.5rem; width: 3rem; height: 3rem; border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.letter-divider { flex: 1; height: 2px; background: var(--navy-light); }

.term-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 10px; padding: 1.25rem 1.5rem; margin-bottom: 0.85rem; transition: border-color 0.2s, box-shadow 0.2s; }
.term-card:hover { border-color: var(--gold); box-shadow: 0 4px 14px rgba(15,37,87,0.1); }
.term-header { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; margin-bottom: 0.5rem; }
.term-name { font-family: 'DM Serif Display', serif; font-size: 1.1rem; color: var(--navy); }
.term-abbr { font-size: 0.72rem; font-weight: 700; background: var(--navy-light); color: var(--navy); padding: 0.15rem 0.55rem; border-radius: 20px; white-space: nowrap; flex-shrink: 0; margin-top: 0.2rem; }
.term-def { font-size: 0.95rem; color: var(--text); line-height: 1.65; }
.term-link { display: inline-flex; align-items: center; gap: 0.3rem; margin-top: 0.65rem; font-size: 0.82rem; font-weight: 600; color: var(--gold-dark); text-decoration: none; }
.term-link:hover { color: var(--navy); text-decoration: underline; }

.no-results { display: none; text-align: center; padding: 3rem 1rem; color: var(--text-muted); }
.no-results.show { display: block; }
.no-results i { font-size: 2.5rem; display: block; margin-bottom: 0.75rem; color: var(--border); }

@media (max-width: 768px) { .sidebar-sticky { position: static; } }

/* =========================================================
   3o. HERO META ROW (blog/pillar hero variant with read time + author)
   ========================================================= */

.hero-meta-row { display: flex; align-items: center; justify-content: center; gap: 1.5rem; font-size: 0.84rem; color: rgba(255,255,255,0.6); flex-wrap: wrap; margin-top: 0.5rem; }
.hero-meta-row span { display: flex; align-items: center; gap: 0.4rem; }
.hero-meta-row i { font-size: 1rem; opacity: 0.7; }

/* =========================================================
   3p. RATE CARDS BAND (dark, full-width — live rate snapshot)
   ========================================================= */

.rates-section { background: var(--navy); padding: 2.5rem 2rem; }
.rates-inner { max-width: 960px; margin: 0 auto; }
.rates-header { text-align: center; margin-bottom: 1.75rem; }
.rates-header h2 { font-family: 'DM Serif Display', serif; color: white; font-size: 26px; font-weight: 400; margin-bottom: 0.4rem; }
.rates-header p { color: rgba(255,255,255,0.55); font-size: 14px; }
.update-badge { display: inline-flex; align-items: center; gap: 6px; background: rgba(201,168,76,0.15); color: var(--gold); font-size: 12px; padding: 4px 14px; border-radius: 20px; border: 0.5px solid rgba(201,168,76,0.3); margin-bottom: 1rem; }
.rate-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.rate-card { background: rgba(255,255,255,0.07); border: 0.5px solid rgba(255,255,255,0.12); border-radius: 14px; padding: 1.4rem; text-align: center; }
.rate-card.featured { background: rgba(201,168,76,0.12); border-color: rgba(201,168,76,0.3); }
.rc-score { font-size: 12px; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.5rem; font-weight: 500; }
.rc-label { font-size: 14px; color: white; font-weight: 500; margin-bottom: 0.9rem; }
.rc-rate { font-size: 30px; font-weight: 600; color: white; margin-bottom: 0.25rem; }
.rc-rate.gold { color: var(--gold); }
.rc-range { font-size: 12px; color: rgba(255,255,255,0.45); }
.rc-bar { height: 4px; background: rgba(255,255,255,0.1); border-radius: 99px; margin-top: 1rem; overflow: hidden; }
.rc-bar-fill { height: 100%; border-radius: 99px; }
.rates-note { text-align: center; margin-top: 1.25rem; font-size: 12px; color: rgba(255,255,255,0.35); line-height: 1.6; }

@media (max-width: 768px) { .rate-cards { grid-template-columns: 1fr; } }

/* =========================================================
   3q. RATE HISTORY BAR CHART
   ========================================================= */

.rate-history { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.25rem; margin: 1.75rem 0; }
.rate-history h4 { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted); margin-bottom: 1rem; }
.history-row { display: flex; align-items: center; gap: 1rem; padding: 8px 0; border-bottom: 0.5px solid var(--border); }
.history-row:last-child { border-bottom: none; }
.h-period { font-size: 13px; color: var(--text-muted); width: 100px; flex-shrink: 0; }
.h-bar-wrap { flex: 1; height: 8px; background: #f2f1ee; border-radius: 99px; overflow: hidden; }
.h-bar { height: 100%; border-radius: 99px; background: var(--navy); }
.h-rate { font-size: 13px; font-weight: 600; color: var(--navy); width: 60px; text-align: right; flex-shrink: 0; }

/* =========================================================
   3r. TIP LIST (icon + text rows)
   ========================================================= */

.tip-list { list-style: none; margin: 0 0 1.1rem; }
.tip-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; margin-bottom: 0.75rem; padding: 0.9rem 1rem; background: var(--white); border: 0.5px solid var(--border); border-radius: 10px; }
.tip-list li i { color: var(--gold-dark); font-size: 20px; flex-shrink: 0; margin-top: 2px; }

/* =========================================================
   3s. REQUIREMENT CARD GRID
   ========================================================= */

.req-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
.req-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.25rem; }
.req-icon { width: 42px; height: 42px; border-radius: 11px; background: var(--navy-light); display: flex; align-items: center; justify-content: center; margin-bottom: 0.9rem; }
.req-icon i { color: var(--navy); font-size: 22px; }
.req-card h4 { font-size: 15px; font-weight: 600; color: var(--navy); margin-bottom: 0.3rem; }
.req-card .req-min { font-size: 13px; color: var(--gold-dark); font-weight: 600; margin-bottom: 0.4rem; }
.req-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin: 0; }

@media (max-width: 768px) { .req-grid { grid-template-columns: 1fr; } }

/* =========================================================
   3t. CREDIT SCORE BAND METER
   ========================================================= */

.score-bands { margin: 1.75rem 0; border-radius: 14px; overflow: hidden; border: 0.5px solid var(--border); }
.score-band { display: grid; grid-template-columns: 120px 1fr auto; align-items: center; padding: 12px 16px; gap: 1rem; border-bottom: 0.5px solid var(--border); }
.score-band:last-child { border-bottom: none; }
.score-band.ex { background: #eaf3de; }
.score-band.go { background: var(--navy-light); }
.score-band.fa { background: #fff8e6; }
.score-band.po { background: #fce8e8; }
.score-band.no { background: #f2f1ee; }
.sb-range { font-size: 14px; font-weight: 600; color: var(--text); }
.sb-label { font-size: 13px; color: var(--text-muted); }
.sb-verdict { font-size: 12px; font-weight: 600; white-space: nowrap; padding: 3px 10px; border-radius: 20px; }
.v-yes { background: #eaf3de; color: #3b6d11; }
.v-maybe { background: #fff8e6; color: #a07c28; }
.v-hard { background: #fce8e8; color: #a32d2d; }

@media (max-width: 768px) { .score-band { grid-template-columns: 100px 1fr auto; } }

/* =========================================================
   3u. CHECKLIST (yes / prep icon variants)
   ========================================================= */

.checklist { list-style: none; margin: 1.25rem 0; }
.checklist li { display: flex; align-items: flex-start; gap: 10px; padding: 10px 0; border-bottom: 0.5px solid var(--border); font-size: 15px; }
.checklist li:last-child { border-bottom: none; }
.checklist li i { font-size: 18px; flex-shrink: 0; margin-top: 2px; }
.checklist li i.yes { color: #3b6d11; }
.checklist li i.prep { color: var(--gold-dark); }

/* =========================================================
   3v. NUMBERED STEP CARDS
   ========================================================= */

.steps-list { display: flex; flex-direction: column; gap: 1rem; margin: 1.5rem 0; }
.step-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.25rem 1.5rem; display: flex; gap: 1.25rem; align-items: flex-start; }
.step-num { width: 40px; height: 40px; background: var(--navy); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 16px; font-weight: 600; flex-shrink: 0; }
.step-body h4 { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.step-body p { font-size: 14px; color: var(--text-muted); line-height: 1.6; margin: 0; }

/* =========================================================
   3w. SEGMENTED TIMELINE VISUAL (bar + phase detail columns)
   ========================================================= */

.timeline-visual { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.5rem; margin: 1.75rem 0; }
.timeline-visual h4 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted); margin-bottom: 1.25rem; }
.tl-bar { display: flex; height: 16px; border-radius: 8px; overflow: hidden; margin-bottom: 1rem; }
.tl-draw { background: var(--navy); flex: 1; display: flex; align-items: center; justify-content: center; }
.tl-repay { background: var(--gold-dark); flex: 2; display: flex; align-items: center; justify-content: center; }
.tl-bar span { font-size: 10px; color: white; font-weight: 600; letter-spacing: 0.3px; }
.tl-phases { display: grid; grid-template-columns: 1fr 2fr; gap: 1rem; }
.tl-phase { background: var(--bg); border-radius: 10px; padding: 1rem; }
.tl-phase h5 { font-size: 13px; font-weight: 600; margin-bottom: 0.5rem; }
.tl-phase.draw h5 { color: var(--navy); }
.tl-phase.repay h5 { color: var(--gold-dark); }
.tl-phase ul { list-style: none; padding: 0; margin: 0; }
.tl-phase li { font-size: 13px; color: var(--text-muted); padding: 3px 0; display: flex; gap: 6px; }
.tl-phase li::before { content: "→"; color: var(--text-muted); }

@media (max-width: 768px) { .tl-phases { grid-template-columns: 1fr; } }

/* =========================================================
   3x. PROS/CONS SUMMARY BAND (dark, full-width)
   ========================================================= */

.pc-band { background: var(--navy); padding: 0 2rem 2.5rem; }
.pc-inner { max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.pc-card { border-radius: 14px; padding: 1.4rem; }
.pc-card.pros { background: rgba(59,109,17,0.15); border: 0.5px solid rgba(59,109,17,0.3); }
.pc-card.cons { background: rgba(163,45,45,0.15); border: 0.5px solid rgba(163,45,45,0.3); }
.pc-title { font-size: 16px; font-weight: 600; margin-bottom: 1rem; display: flex; align-items: center; gap: 8px; }
.pc-card.pros .pc-title { color: #7dc44a; }
.pc-card.cons .pc-title { color: #f08080; }
.pc-list { list-style: none; }
.pc-list li { font-size: 14px; color: rgba(255,255,255,0.75); padding: 6px 0; border-bottom: 0.5px solid rgba(255,255,255,0.08); display: flex; gap: 8px; align-items: flex-start; line-height: 1.5; }
.pc-list li:last-child { border-bottom: none; }
.pc-list li i { font-size: 15px; flex-shrink: 0; margin-top: 2px; }
.pros .pc-list li i { color: #7dc44a; }
.cons .pc-list li i { color: #f08080; }

@media (max-width: 768px) { .pc-inner { grid-template-columns: 1fr; } }

/* =========================================================
   3y. PRO / CON DETAIL CARDS
   ========================================================= */

.detail-grid { display: flex; flex-direction: column; gap: 0.75rem; margin: 1.5rem 0; }
.detail-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.1rem 1.25rem; display: flex; gap: 1rem; align-items: flex-start; }
.detail-card.pro { border-left: 4px solid #3b6d11; }
.detail-card.con { border-left: 4px solid #a32d2d; }
.dc-icon { font-size: 22px; flex-shrink: 0; margin-top: 2px; }
.pro .dc-icon { color: #3b6d11; }
.con .dc-icon { color: #a32d2d; }
.dc-body h4 { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 0.3rem; }
.dc-body p { font-size: 14px; color: var(--text-muted); line-height: 1.6; margin: 0; }

/* =========================================================
   3z. VERDICT GRID (good-fit / bad-fit cards)
   ========================================================= */

.verdict-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
.verdict-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.1rem; }
.verdict-card.good { border-top: 3px solid #3b6d11; }
.verdict-card.bad { border-top: 3px solid #a32d2d; }
.vc-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 0.4rem; }
.verdict-card.good .vc-label { color: #3b6d11; }
.verdict-card.bad .vc-label { color: #a32d2d; }
.vc-title { font-size: 14px; font-weight: 600; color: var(--text); margin-bottom: 0.3rem; }
.vc-desc { font-size: 13px; color: var(--text-muted); line-height: 1.5; margin: 0; }

@media (max-width: 768px) { .verdict-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4a. DUAL-PRODUCT COMPARISON HEADER
   ========================================================= */

.compare-band { background: var(--navy); padding: 0 2rem 2.5rem; }
.compare-inner { max-width: 900px; margin: 0 auto; }
.compare-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.compare-card { border-radius: 16px; padding: 1.5rem; text-align: center; }
.compare-card.heloc { background: rgba(255,255,255,0.08); border: 0.5px solid rgba(255,255,255,0.15); }
.compare-card.heloan { background: rgba(201,168,76,0.1); border: 0.5px solid rgba(201,168,76,0.25); }
.cc-icon { width: 52px; height: 52px; border-radius: 14px; display: flex; align-items: center; justify-content: center; margin: 0 auto 1rem; }
.heloc .cc-icon { background: rgba(255,255,255,0.1); }
.heloan .cc-icon { background: rgba(201,168,76,0.15); }
.cc-icon i { font-size: 26px; color: white; }
.heloan .cc-icon i { color: var(--gold); }
.cc-title { font-family: 'DM Serif Display', serif; font-size: 22px; color: white; margin-bottom: 0.4rem; font-weight: 400; }
.cc-sub { font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 1.25rem; }
.cc-tag { display: inline-block; font-size: 12px; padding: 4px 12px; border-radius: 20px; font-weight: 500; margin-bottom: 0.6rem; }
.heloc .cc-tag { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.8); }
.heloan .cc-tag { background: rgba(201,168,76,0.2); color: var(--gold); }
.cc-tags { display: flex; flex-wrap: wrap; gap: 0.4rem; justify-content: center; }

@media (max-width: 768px) { .compare-cards { grid-template-columns: 1fr; } }

/* =========================================================
   4b. CHOICE SCENARIO GRID (product A vs product B use cases)
   ========================================================= */

.scenario-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
.scenario { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.1rem; }
.scenario.heloc-win { border-top: 3px solid var(--navy); }
.scenario.heloan-win { border-top: 3px solid var(--gold-dark); }
.sc-badge { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 0.5rem; }
.heloc-win .sc-badge { color: var(--navy); }
.heloan-win .sc-badge { color: var(--gold-dark); }
.scenario h4 { font-size: 14px; font-weight: 600; color: var(--text); margin-bottom: 0.4rem; }
.scenario p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin: 0; }

@media (max-width: 768px) { .scenario-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4c. SIDEBAR DECISION-GUIDE CARD
   ========================================================= */

.decision-card { background: var(--navy-light); border: 0.5px solid var(--navy); border-radius: 14px; padding: 1.25rem; }
.decision-card h3 { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 0.75rem; }
.decision-item { font-size: 13px; padding: 6px 0; border-bottom: 0.5px solid var(--border); display: flex; gap: 8px; align-items: flex-start; }
.decision-item:last-child { border-bottom: none; }
.decision-item i { font-size: 15px; flex-shrink: 0; margin-top: 2px; }

/* =========================================================
   4d. INTERACTIVE CALCULATOR CARD
   ========================================================= */

.calc-wrap { background: var(--navy); padding: 0 2rem 3rem; }
.calc-card { background: var(--white); border-radius: 16px; max-width: 780px; margin: 0 auto; overflow: hidden; box-shadow: 0 8px 48px rgba(0,0,0,0.22); }
.calc-tabs { display: flex; border-bottom: 0.5px solid var(--border); }
.calc-tab { flex: 1; padding: 16px 12px; font-size: 14px; font-weight: 500; text-align: center; cursor: pointer; color: var(--text-muted); border: none; background: var(--bg); transition: all 0.2s; font-family: 'DM Sans', sans-serif; display: flex; align-items: center; justify-content: center; gap: 7px; }
.calc-tab i { font-size: 17px; }
.calc-tab.active { background: var(--white); color: var(--navy); border-bottom: 3px solid var(--gold); }
.calc-body { padding: 2rem; }
.tab-panel { display: none; }
.tab-panel.active { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 12px; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.field input, .field select { width: 100%; padding: 12px 14px; border: 0.5px solid var(--border); border-radius: 8px; font-size: 15px; color: var(--text); background: var(--bg); font-family: 'DM Sans', sans-serif; transition: border-color 0.2s, box-shadow 0.2s; }
.field input:focus, .field select:focus { outline: none; border-color: var(--navy-mid); box-shadow: 0 0 0 3px rgba(26,58,107,0.08); }
.field .hint { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.calc-btn { width: 100%; background: var(--navy); color: white; border: none; padding: 14px; border-radius: 8px; font-size: 15px; font-weight: 600; cursor: pointer; margin-top: 0.75rem; font-family: 'DM Sans', sans-serif; transition: background 0.2s; display: flex; align-items: center; justify-content: center; gap: 8px; }
.calc-btn:hover { background: var(--navy-mid); }
.results { margin-top: 1.5rem; background: var(--navy-light); border-radius: 12px; padding: 1.5rem; display: none; animation: calcFadeIn 0.3s ease; }
.results.show { display: block; }
@keyframes calcFadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.results-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; margin-bottom: 1rem; }
.result-item { background: var(--white); border-radius: 10px; padding: 1rem; text-align: center; border: 0.5px solid var(--border); }
.result-label { font-size: 11px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 6px; }
.result-value { font-size: 22px; font-weight: 600; color: var(--navy); }
.result-value.gold { color: var(--gold-dark); }
.result-note { font-size: 12px; color: var(--text-muted); text-align: center; line-height: 1.6; }
.amort-toggle { background: none; border: 0.5px solid var(--border); color: var(--navy); font-size: 13px; font-weight: 500; padding: 8px 16px; border-radius: 8px; cursor: pointer; margin-top: 1rem; font-family: 'DM Sans', sans-serif; display: flex; align-items: center; gap: 6px; }
.amort-table-wrap { display: none; margin-top: 1rem; overflow-x: auto; }
.amort-table-wrap.show { display: block; }
.amort-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.amort-table th { background: var(--navy); color: white; padding: 8px 10px; text-align: left; font-size: 12px; font-weight: 500; }
.amort-table td { padding: 7px 10px; border-bottom: 0.5px solid var(--border); }
.amort-table tr:nth-child(even) td { background: var(--navy-light); }

@media (max-width: 768px) { .field-row { grid-template-columns: 1fr; } .results-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .results-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4e. TRUST BAR (full-width, gold-light)
   ========================================================= */

.trust-bar { background: var(--gold-light); border-top: 0.5px solid rgba(201,168,76,0.3); border-bottom: 0.5px solid rgba(201,168,76,0.3); padding: 1rem 2rem; display: flex; justify-content: center; flex-wrap: wrap; gap: 1.5rem 2.5rem; }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: 13px; color: var(--navy); font-weight: 500; }
.trust-item i { color: var(--gold-dark); font-size: 17px; }

/* =========================================================
   4f. HOW-TO-USE NUMBERED CARDS (distinct from step-card — no description body split)
   ========================================================= */

.how-section { max-width: 900px; margin: 3rem auto; padding: 0 2rem; }
.how-section h2 { font-family: 'DM Serif Display', serif; font-size: 26px; font-weight: 400; color: var(--navy); margin-bottom: 1.5rem; }
.how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.how-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.25rem; }
.how-num { width: 34px; height: 34px; background: var(--navy); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 15px; font-weight: 600; margin-bottom: 0.75rem; }
.how-card h3 { font-size: 15px; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.how-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin: 0; }

@media (max-width: 768px) { .how-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4g. DARK RELATED-GUIDES BAND (distinct from footer nav)
   ========================================================= */

.related-section { background: var(--navy); padding: 3rem 2rem; }
.related-inner { max-width: 900px; margin: 0 auto; }
.related-section h2 { font-family: 'DM Serif Display', serif; color: white; font-size: 24px; font-weight: 400; margin-bottom: 1.5rem; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.related-card { background: rgba(255,255,255,0.07); border: 0.5px solid rgba(255,255,255,0.12); border-radius: 12px; padding: 1.1rem; text-decoration: none; transition: background 0.2s; display: block; }
.related-card:hover { background: rgba(255,255,255,0.11); }
.related-card .rc-cat { font-size: 11px; color: var(--gold); font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 0.4rem; }
.related-card h3 { font-size: 14px; font-weight: 500; color: white; line-height: 1.4; margin-bottom: 0.5rem; }
.related-card .rc-arrow { font-size: 13px; color: rgba(255,255,255,0.45); }

@media (max-width: 768px) { .related-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4h. SECONDARY PILLAR-NAV STRIP (homepage only, below main nav)
   ========================================================= */

.page-nav { background: var(--white); border-bottom: 0.5px solid var(--border); padding: 0 2rem; display: flex; overflow-x: auto; -webkit-overflow-scrolling: touch; }
.page-nav a { display: block; padding: 12px 16px; font-size: 13px; color: var(--text-muted); text-decoration: none; white-space: nowrap; border-bottom: 2px solid transparent; transition: all 0.2s; }
.page-nav a:hover, .page-nav a.active { color: var(--navy); border-bottom-color: var(--gold); font-weight: 500; }

/* =========================================================
   4i. SECTION SUBTITLE (pairs with existing .section-title)
   ========================================================= */

.section-sub { font-size: 15px; color: var(--text-muted); line-height: 1.7; margin-bottom: 2.5rem; max-width: 580px; }

/* =========================================================
   4j. FEATURE CARD GRID
   ========================================================= */

.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.feature-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.4rem; transition: box-shadow 0.2s; }
.feature-card:hover { box-shadow: 0 4px 20px rgba(0,0,0,0.08); }
.feature-icon { width: 44px; height: 44px; background: var(--navy-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 1rem; }
.feature-icon i { color: var(--navy); font-size: 22px; }
.feature-card h3 { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 0.5rem; }
.feature-card p { font-size: 13px; color: var(--text-muted); line-height: 1.65; }

@media (max-width: 768px) { .features-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .features-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4k. DARK "HOW IT WORKS" STEPS SECTION
   ========================================================= */

.how-section { background: var(--navy); padding: 4rem 2rem; }
.how-inner { max-width: 960px; margin: 0 auto; }
.how-section .section-label { color: var(--gold); }
.how-section .section-title { color: white; }
.how-section .section-sub { color: rgba(255,255,255,0.6); }
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.step { background: rgba(255,255,255,0.06); border: 0.5px solid rgba(255,255,255,0.12); border-radius: 14px; padding: 1.4rem; }
.step .step-num { width: 36px; height: 36px; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 1rem; }
.step h4 { font-size: 14px; font-weight: 600; color: white; margin-bottom: 0.4rem; }
.step p { font-size: 13px; color: rgba(255,255,255,0.55); line-height: 1.6; }

@media (max-width: 768px) { .steps-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .steps-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4l. BLOG PREVIEW CARDS (homepage)
   ========================================================= */

.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.blog-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; overflow: hidden; transition: box-shadow 0.2s; }
.blog-card:hover { box-shadow: 0 4px 20px rgba(0,0,0,0.08); }
.blog-thumb { height: 90px; display: flex; align-items: center; justify-content: center; }
.blog-thumb.t1 { background: var(--navy-light); }
.blog-thumb.t2 { background: var(--gold-light); }
.blog-thumb.t3 { background: #eaf3de; }
.blog-thumb.t4 { background: #fce8e8; }
.blog-thumb.t5 { background: #e8f4f0; }
.blog-thumb.t6 { background: #f0e8f5; }
.blog-thumb i { font-size: 34px; }
.blog-content { padding: 1.1rem; }
.blog-cat { font-size: 11px; color: var(--gold-dark); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.4rem; }
.blog-card h4 { font-size: 14px; font-weight: 500; color: var(--text); line-height: 1.45; margin-bottom: 0.75rem; }
.blog-card .read-more { font-size: 13px; color: var(--navy); font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 4px; }
.blog-card .read-more:hover { color: var(--gold-dark); }

@media (max-width: 768px) { .blog-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .blog-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4m. FULL-WIDTH CTA BAND (distinct from narrow .cta-section)
   ========================================================= */

.cta-band { background: var(--gold-light); border-top: 0.5px solid rgba(201,168,76,0.3); border-bottom: 0.5px solid rgba(201,168,76,0.3); padding: 3rem 2rem; text-align: center; }
.cta-band h2 { font-family: 'DM Serif Display', serif; font-size: 26px; color: var(--navy); margin-bottom: 0.6rem; }
.cta-band p { font-size: 15px; color: var(--text-muted); margin-bottom: 1.5rem; }
.cta-band a { display: inline-block; background: var(--navy); color: white; font-size: 15px; font-weight: 600; padding: 13px 28px; border-radius: 8px; text-decoration: none; transition: background 0.2s; }
.cta-band a:hover { background: var(--navy-mid); }

/* =========================================================
   4n. CATEGORY FILTER BAR
   ========================================================= */

.filter-bar { background: var(--white); border-bottom: 0.5px solid var(--border); padding: 1rem 2rem; display: flex; gap: 0.5rem; flex-wrap: wrap; justify-content: center; }
.filter-btn { padding: 6px 16px; border-radius: 20px; font-size: 13px; font-weight: 500; cursor: pointer; border: 0.5px solid var(--border); background: var(--bg); color: var(--text-muted); transition: all 0.2s; font-family: 'DM Sans', sans-serif; }
.filter-btn:hover { border-color: var(--navy); color: var(--navy); }
.filter-btn.active { background: var(--navy); color: white; border-color: var(--navy); }

/* =========================================================
   4o. HORIZONTAL POST-LIST CARD (blog index)
   ========================================================= */

.posts-grid { display: flex; flex-direction: column; gap: 1rem; }
.post-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; overflow: hidden; display: grid; grid-template-columns: 100px 1fr; transition: box-shadow 0.2s; text-decoration: none; }
.post-card:hover { box-shadow: 0 4px 20px rgba(0,0,0,0.08); border-color: rgba(0,0,0,0.15); }
.post-thumb { display: flex; align-items: center; justify-content: center; min-height: 100px; }
.post-thumb.t1 { background: var(--navy-light); }
.post-thumb.t2 { background: var(--gold-light); }
.post-thumb.t3 { background: #eaf3de; }
.post-thumb.t4 { background: #fce8e8; }
.post-thumb.t5 { background: #e8f4f0; }
.post-thumb.t6 { background: #f0e8f5; }
.post-thumb i { font-size: 30px; }
.post-body { padding: 1.1rem 1.25rem; }
.post-meta { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.4rem; flex-wrap: wrap; }
.post-cat { font-size: 11px; color: var(--gold-dark); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.post-date { font-size: 11px; color: var(--text-muted); }
.post-read { font-size: 11px; color: var(--text-muted); }
.post-card h2 { font-size: 16px; font-weight: 600; color: var(--text); line-height: 1.4; margin-bottom: 0.4rem; }
.post-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin-bottom: 0.75rem; }
.post-link { font-size: 13px; color: var(--navy); font-weight: 600; display: inline-flex; align-items: center; gap: 4px; }

@media (max-width: 768px) { .post-card { grid-template-columns: 80px 1fr; } }

/* =========================================================
   4p. SIDEBAR CATEGORY-COUNT LIST
   ========================================================= */

.cat-list { list-style: none; }
.cat-list li { padding: 7px 0; border-bottom: 0.5px solid var(--border); display: flex; justify-content: space-between; align-items: center; }
.cat-list li:last-child { border-bottom: none; }
.cat-list button { font-size: 13px; color: var(--navy-mid); text-decoration: none; font-weight: 500; background: none; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; padding: 0; }
.cat-list button:hover { color: var(--gold-dark); }
.cat-count { font-size: 11px; color: var(--text-muted); background: var(--bg); padding: 2px 8px; border-radius: 10px; }

/* =========================================================
   4q. IN-ARTICLE DARK STAT ROW (3-up, embedded in blog posts)
   ========================================================= */

.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1.5rem 0; }
.stat-card { background: var(--navy); border-radius: 12px; padding: 1.1rem; text-align: center; }
.stat-card .num { font-family: 'DM Serif Display', serif; font-size: 28px; color: var(--gold); line-height: 1; }
.stat-card .lbl { font-size: 12px; color: rgba(255,255,255,0.6); margin-top: 6px; line-height: 1.4; }

@media (max-width: 768px) { .stat-row { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .stat-row { grid-template-columns: 1fr; } }

/* =========================================================
   4r. SCENARIO BOX (real-homeowner-example card)
   ========================================================= */

.scenario-box { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.5rem; margin: 1.75rem 0; }
.scenario-box h4 { font-size: 15px; font-weight: 600; color: var(--navy); margin-bottom: 0.75rem; padding-bottom: 0.5rem; border-bottom: 0.5px solid var(--border); }
.scenario-box p { font-size: 15px; margin-bottom: 0.75rem; color: var(--text-muted); }
.scenario-box p:last-child { margin-bottom: 0; }
.scenario-box strong { color: var(--text); }

/* =========================================================
   4s. SOURCE NOTE (small italic caption under a callout)
   ========================================================= */

.source-note { font-size: 12px; color: var(--text-muted); font-style: italic; margin-top: -0.5rem; margin-bottom: 1.1rem; }
.source-note a { color: var(--text-muted); }

/* Plain checkmark/cross variant for .checklist (vs the icon-based yes/prep variant) */
.checklist li .yes { color: #27ae60; font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.checklist li .no { color: #c0392b; font-size: 18px; flex-shrink: 0; margin-top: 1px; }

/* =========================================================
   4t. LIGHT RATE-CARD GRID (in-article, distinct from the dark .rate-cards band)
   ========================================================= */

.rate-card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1.75rem 0; }
.rate-card-grid .rate-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.25rem; text-align: center; }
.rate-card-grid .rate-card .label { font-size: 12px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 8px; font-weight: 500; }
.rate-card-grid .rate-card .rate { font-size: 26px; font-weight: 600; color: var(--navy); }
.rate-card-grid .rate-card .rate.gold { color: var(--gold-dark); }
.rate-card-grid .rate-card .sublabel { font-size: 12px; color: var(--text-muted); margin-top: 4px; }

@media (max-width: 768px) { .rate-card-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .rate-card-grid { grid-template-columns: 1fr; } }

/* =========================================================
   4u. LIVE-RATE HEADLINE BOX (big dark callout for a rate range)
   ========================================================= */

.live-rate-box { background: var(--navy); border-radius: 16px; padding: 2rem; margin: 1.75rem 0; text-align: center; }
.live-rate-box .headline { font-family: 'DM Serif Display', serif; font-size: 48px; color: var(--gold); line-height: 1; }
.live-rate-box .sub { font-size: 14px; color: rgba(255,255,255,0.6); margin-top: 8px; }
.live-rate-box .source { font-size: 12px; color: rgba(255,255,255,0.35); margin-top: 12px; }
.live-rate-box .source a { color: rgba(255,255,255,0.45); }

/* =========================================================
   4v. RATE CONTEXT ROW (3 small stat cards, follows the live-rate box)
   ========================================================= */

.rate-context-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1rem 0 1.75rem; }
.rate-context-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 10px; padding: 1rem; text-align: center; }
.rate-context-card .num { font-size: 22px; font-weight: 600; color: var(--navy); }
.rate-context-card .lbl { font-size: 11px; color: var(--text-muted); margin-top: 4px; line-height: 1.4; }

@media (max-width: 768px) { .rate-context-row { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .rate-context-row { grid-template-columns: 1fr; } }

/* =========================================================
   4w. LIGHT-BACKGROUND UPDATE BADGE (in-article, distinct from the dark .update-badge)
   ========================================================= */

.rate-update-badge { display: inline-flex; align-items: center; gap: 6px; background: var(--gold-light); color: var(--gold-dark); font-size: 12px; padding: 5px 14px; border-radius: 20px; border: 0.5px solid rgba(201,168,76,0.4); margin-bottom: 1.5rem; font-weight: 500; }

/* =========================================================
   4x. NUMBERED BOOST LIST (action item + savings badge)
   ========================================================= */

.boost-list { list-style: none; margin: 0 0 1.1rem; display: flex; flex-direction: column; gap: 0.75rem; }
.boost-item { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.1rem 1.25rem; }
.boost-item-header { display: flex; align-items: center; gap: 10px; margin-bottom: 0.5rem; }
.boost-num { width: 28px; height: 28px; background: var(--navy); color: white; border-radius: 50%; font-size: 13px; font-weight: 600; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.boost-item h4 { font-size: 15px; font-weight: 600; color: var(--text); margin: 0; }
.boost-item p { font-size: 14px; color: var(--text-muted); line-height: 1.65; margin: 0 0 0.4rem; }
.boost-saving { font-size: 12px; font-weight: 600; color: #2d7a4f; background: #eaf3de; padding: 2px 10px; border-radius: 20px; display: inline-block; }

/* Verdict badge pill — pairs with .scenario-box for "which product wins" style content */
.verdict-badge { display: inline-block; font-size: 12px; font-weight: 600; padding: 4px 12px; border-radius: 20px; margin-bottom: 0.5rem; }
.verdict-heloc { background: var(--navy-light); color: var(--navy); }
.verdict-heloan { background: var(--gold-light); color: var(--gold-dark); }

/* =========================================================
   4y. NUMBERED STRATEGY LIST (serif number box + savings tag)
   ========================================================= */

.strategy-list { list-style: none; margin: 0 0 1.1rem; display: flex; flex-direction: column; gap: 1rem; }
.strategy { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.4rem 1.5rem; position: relative; }
.strategy-header { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 0.75rem; }
.strategy-num { width: 36px; height: 36px; background: var(--navy); color: var(--gold); border-radius: 10px; font-size: 18px; font-weight: 600; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-family: 'DM Serif Display', serif; }
.strategy h3 { font-size: 17px; font-weight: 600; color: var(--text); margin: 0; padding-top: 5px; }
.strategy p { font-size: 15px; color: var(--text-muted); line-height: 1.7; margin: 0 0 0.75rem; }
.strategy p:last-of-type { margin-bottom: 0; }
.saving-tag { display: inline-flex; align-items: center; gap: 5px; font-size: 12px; font-weight: 600; color: #2d7a4f; background: #eaf3de; padding: 3px 12px; border-radius: 20px; }

/* =========================================================
   4z. DARK IMPACT-GRID (score / rate / cost 3-up)
   ========================================================= */

.impact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1.75rem 0; }
.impact-card { background: var(--navy); border-radius: 12px; padding: 1.1rem; text-align: center; }
.impact-card .score { font-size: 13px; color: rgba(255,255,255,0.5); margin-bottom: 4px; }
.impact-card .rate { font-family: 'DM Serif Display', serif; font-size: 24px; color: var(--gold); line-height: 1; }
.impact-card .cost { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: 6px; line-height: 1.4; }

@media (max-width: 768px) { .impact-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .impact-grid { grid-template-columns: 1fr; } }

/* =========================================================
   5a. NEGOTIATE STEPS (counter-based numbered list, serif circle)
   ========================================================= */

.negotiate-steps { list-style: none; counter-reset: step; margin: 1rem 0; display: flex; flex-direction: column; gap: 0.75rem; }
.negotiate-step { counter-increment: step; display: flex; gap: 14px; align-items: flex-start; background: var(--white); border: 0.5px solid var(--border); border-radius: 10px; padding: 1rem 1.25rem; }
.negotiate-step::before { content: counter(step); width: 28px; height: 28px; background: var(--gold-light); color: var(--gold-dark); border-radius: 50%; font-size: 14px; font-weight: 600; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-family: 'DM Serif Display', serif; }
.negotiate-step p { font-size: 15px; color: var(--text-muted); line-height: 1.65; margin: 0; }
.negotiate-step strong { color: var(--text); }

/* =========================================================
   5b. EMBEDDED MINI CALCULATOR BOX (in-article, single purpose)
   ========================================================= */

.calc-box { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.75rem; margin: 1.75rem 0; }
.calc-box h4 { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 1rem; padding-bottom: 0.75rem; border-bottom: 0.5px solid var(--border); }
.calc-row { display: flex; gap: 1rem; margin-bottom: 1rem; flex-wrap: wrap; }
.calc-field { flex: 1; min-width: 180px; }
.calc-field label { display: block; font-size: 13px; font-weight: 500; color: var(--text-muted); margin-bottom: 4px; }
.calc-field input, .calc-field select { width: 100%; padding: 10px 12px; border: 0.5px solid var(--border); border-radius: 8px; font-size: 15px; font-family: 'DM Sans', sans-serif; background: var(--bg); }
.calc-result { background: var(--navy-light); border-radius: 10px; padding: 1rem 1.25rem; margin-top: 1rem; display: none; }
.calc-result.show { display: block; }
.calc-result .result-num { font-family: 'DM Serif Display', serif; font-size: 32px; color: var(--navy); }
.calc-result .result-lbl { font-size: 13px; color: var(--text-muted); margin-top: 4px; }
.calc-result .result-detail { font-size: 13px; color: var(--text-muted); margin-top: 8px; line-height: 1.6; }

/* =========================================================
   5c. NUMBERED PATH-CARD GRID (2-up, "what to do next" options)
   ========================================================= */

.path-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1.5rem 0; }
.path-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 12px; padding: 1.1rem; }
.path-card h4 { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.path-card p { font-size: 13px; color: var(--text-muted); line-height: 1.6; margin: 0; }

@media (max-width: 768px) { .path-grid { grid-template-columns: 1fr; } }

/* =========================================================
   5d. MISTAKE-ITEM LIST (red-tinted numbered item, distinct from boost-item)
   ========================================================= */

.mistake-item { display: flex; gap: 1rem; padding: 1rem 0; border-bottom: 0.5px solid var(--border); align-items: flex-start; }
.mistake-item:last-child { border-bottom: none; }
.mistake-num { width: 36px; height: 36px; background: #f8d7da; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; color: #721c24; font-size: 14px; flex-shrink: 0; }
.mistake-content strong { display: block; color: var(--navy); margin-bottom: 0.2rem; }
.mistake-content p { margin: 0; font-size: 14px; color: var(--text-muted); }

/* =========================================================
   5e. ROI RATING TAGS (small pill badges for table cells)
   ========================================================= */

.tag-best { background: #d4edda; color: #1a5c2a; padding: 2px 8px; border-radius: 20px; font-size: 12px; font-weight: 600; white-space: nowrap; }
.tag-ok { background: var(--gold-light); color: var(--gold-dark); padding: 2px 8px; border-radius: 20px; font-size: 12px; font-weight: 600; white-space: nowrap; }
.tag-low { background: #f8d7da; color: #721c24; padding: 2px 8px; border-radius: 20px; font-size: 12px; font-weight: 600; white-space: nowrap; }

/* =========================================================
   5f. EXAMPLE-STAT MINI GRID (named to avoid collision with .scenario-grid)
   ========================================================= */

.example-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 1rem; margin-top: 1rem; }
.example-stat { background: var(--navy-light); border-radius: 8px; padding: 0.75rem 1rem; text-align: center; }
.example-stat .val { font-family: 'DM Serif Display', serif; font-size: 22px; color: var(--navy); display: block; }
.example-stat .lbl { font-size: 12px; color: var(--text-muted); }

/* =========================================================
   5g. GRADIENT KEY-TAKEAWAY BOX
   ========================================================= */

.key-takeaway { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); border-radius: 12px; padding: 1.75rem 2rem; color: white; margin: 2.25rem 0; }
.key-takeaway h3 { font-family: 'DM Serif Display', serif; font-size: 19px; color: var(--gold); margin-bottom: 0.75rem; display: flex; align-items: center; gap: 0.5rem; font-weight: 400; }
.key-takeaway ul { margin-left: 1.25rem; }
.key-takeaway li { color: rgba(255,255,255,0.88); margin-bottom: 0.45rem; font-size: 15px; }

/* =========================================================
   5h. DARK CTA STRIP (gradient, distinct from the gold-light .cta-band)
   ========================================================= */

.cta-strip { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); border-radius: 12px; padding: 2rem; text-align: center; margin: 2.5rem 0; color: white; }
.cta-strip h3 { font-family: 'DM Serif Display', serif; font-size: 22px; margin-bottom: 0.5rem; font-weight: 400; }
.cta-strip p { color: rgba(255,255,255,0.78); margin-bottom: 1.25rem; font-size: 15px; }
.cta-strip .cta-btn { display: inline-flex; align-items: center; gap: 0.5rem; background: var(--gold); color: var(--navy); text-decoration: none; font-weight: 700; padding: 0.8rem 1.75rem; border-radius: 8px; font-size: 15px; transition: background 0.2s, transform 0.15s; }
.cta-strip .cta-btn:hover { background: var(--gold-dark); color: white; transform: translateY(-1px); }

/* =========================================================
   5i. DISCLOSURE BANNER (gold-bordered, editorial independence notice)
   ========================================================= */

.disclosure-banner { background: var(--gold-light); border: 1px solid var(--gold); border-radius: 10px; padding: 1rem 1.35rem; margin-bottom: 2rem; display: flex; gap: 0.85rem; align-items: flex-start; font-size: 14px; color: var(--text-muted); line-height: 1.6; }
.disclosure-banner i { color: var(--gold-dark); font-size: 20px; flex-shrink: 0; margin-top: 2px; }
.disclosure-banner strong { color: var(--text); }

/* =========================================================
   5j. METHODOLOGY BOX
   ========================================================= */

.methodology-box { background: var(--navy-light); border: 1px solid var(--navy); border-radius: 12px; padding: 1.4rem 1.6rem; margin: 2rem 0; }
.methodology-box h3 { font-family: 'DM Serif Display', serif; font-size: 18px; color: var(--navy); margin: 0 0 0.75rem; font-weight: 400; }
.methodology-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 0.75rem; margin-top: 0.75rem; }
.methodology-item { background: var(--white); border-radius: 8px; padding: 0.75rem 1rem; }
.methodology-item .factor { font-weight: 600; color: var(--navy); font-size: 14px; display: block; margin-bottom: 0.2rem; }
.methodology-item .weight { font-size: 13px; color: var(--text-muted); }

/* =========================================================
   5k. LENDER CARD (header, stats grid, pros/cons, best-for tag)
   ========================================================= */

.lender-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.6rem 1.75rem; margin: 1.75rem 0; position: relative; }
.lender-card-header { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; margin-bottom: 1rem; }
.lender-name { font-family: 'DM Serif Display', serif; font-size: 20px; color: var(--navy); margin: 0 0 0.25rem; font-weight: 400; }
.lender-tagline { font-size: 14px; color: var(--text-muted); margin: 0; }
.lender-badge { background: var(--navy); color: white; font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.6px; padding: 0.3rem 0.75rem; border-radius: 20px; white-space: nowrap; flex-shrink: 0; }
.lender-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 0.75rem; margin: 1rem 0; padding: 1rem 0; border-top: 0.5px solid var(--border); border-bottom: 0.5px solid var(--border); }
.lender-stat { text-align: center; }
.lender-stat .val { font-family: 'DM Serif Display', serif; font-size: 20px; color: var(--navy); display: block; }
.lender-stat .lbl { font-size: 12px; color: var(--text-muted); }
.pros-cons .pros strong { display: block; margin-bottom: 0.4rem; font-size: 13px; text-transform: uppercase; letter-spacing: 0.6px; color: #1a5c2a; }
.pros-cons .cons strong { display: block; margin-bottom: 0.4rem; font-size: 13px; text-transform: uppercase; letter-spacing: 0.6px; color: #721c24; }
.pros-cons .pros ul, .pros-cons .cons ul { padding-left: 1.1rem; margin: 0; }
.pros-cons .pros li, .pros-cons .cons li { margin-bottom: 0.3rem; color: var(--text-muted); font-size: 13px; }
.best-for { background: var(--gold-light); border-radius: 8px; padding: 0.6rem 1rem; font-size: 14px; margin-top: 1rem; }
.best-for strong { color: var(--gold-dark); }

/* =========================================================
   5l. DECISION GRID (goal / pick / why cards)
   ========================================================= */

.decision-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; margin: 1.5rem 0; }
.decision-grid .decision-card { background: var(--white); border: 0.5px solid var(--border); border-radius: 10px; padding: 1rem 1.1rem; }
.decision-grid .decision-card .goal { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.6px; color: var(--gold-dark); margin-bottom: 0.3rem; }
.decision-grid .decision-card .pick { font-weight: 700; color: var(--navy); font-size: 15px; margin-bottom: 0.2rem; }
.decision-grid .decision-card .why { font-size: 13px; color: var(--text-muted); }

/* Table cell check/cross marks */
.check { color: #1a5c2a; font-weight: 700; }
.cross { color: #721c24; font-weight: 700; }

/* Table row emphasis (e.g. highlighting the HELOC row in a rate comparison table) */
.highlight-row td { font-weight: 600; color: var(--navy); }

/* Payment-shock table row highlights */
.shock-row td { font-weight: 700; color: #c0392b; background: #fff4f4 !important; }
.good-row td { font-weight: 700; color: #1a5c2a; background: #d4edda !important; }

/* =========================================================
   5m. SIDE-BY-SIDE PHASE DIAGRAM (draw vs repayment comparison)
   ========================================================= */

.phase-diagram { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-radius: 12px; overflow: hidden; border: 0.5px solid var(--border); margin: 1.75rem 0; }
.phase-draw { background: var(--navy); color: white; padding: 1.5rem 1.75rem; }
.phase-repay { background: var(--navy-light); color: var(--text); padding: 1.5rem 1.75rem; }
.phase-diagram .phase-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.9px; margin-bottom: 0.5rem; opacity: 0.7; }
.phase-draw .phase-label { color: var(--gold); }
.phase-repay .phase-label { color: var(--navy); }
.phase-diagram .phase-title { font-family: 'DM Serif Display', serif; font-size: 20px; margin-bottom: 1rem; font-weight: 400; }
.phase-draw .phase-title { color: white; }
.phase-repay .phase-title { color: var(--navy); }
.phase-diagram .phase-list { list-style: none; padding: 0; margin: 0; }
.phase-diagram .phase-list li { font-size: 14px; padding: 0.35rem 0; border-bottom: 0.5px solid rgba(255,255,255,0.12); display: flex; gap: 0.5rem; align-items: flex-start; }
.phase-repay .phase-list li { border-bottom-color: var(--border); }
.phase-diagram .phase-list li:last-child { border-bottom: none; }
.phase-diagram .phase-list i { font-size: 15px; flex-shrink: 0; margin-top: 2px; }
.phase-draw .phase-list i { color: var(--gold); }
.phase-repay .phase-list i { color: var(--navy); }

@media (max-width: 768px) { .phase-diagram { grid-template-columns: 1fr; } }

/* =========================================================
   5. COMPARISON TABLE
   ========================================================= */

.table-wrap { overflow-x: auto; margin: 1.5rem 0; border-radius: 10px; border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; font-size: 0.875rem; }
thead th { background: var(--navy); color: var(--white); padding: 0.75rem 1rem; text-align: left; font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; white-space: nowrap; }
tbody td { padding: 0.75rem 1rem; border-bottom: 1px solid var(--border); color: var(--text); vertical-align: top; line-height: 1.55; }
tbody tr:last-child td { border-bottom: none; }
tbody tr:nth-child(even) td { background: var(--bg); }
.td-good { color: #059669; font-weight: 600; }
.td-warn { color: #d97706; font-weight: 600; }
.td-bad { color: #dc2626; font-weight: 600; }

/* =========================================================
   6. FAQ ACCORDION
   ========================================================= */

.faq-list { display: flex; flex-direction: column; gap: 0; margin-top: 1rem; border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:last-child { border-bottom: none; }
.faq-q { width: 100%; background: var(--white); border: none; padding: 1.1rem 1.4rem; text-align: left; font-family: 'DM Sans', sans-serif; font-size: 0.92rem; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; transition: background 0.15s; }
.faq-q:hover { background: var(--navy-light); }
.faq-q i { flex-shrink: 0; font-size: 1rem; color: var(--gold-dark); transition: transform 0.2s; }
.faq-q.open i { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 1.4rem 1.1rem; background: var(--white); font-size: 0.9rem; color: var(--text-muted); line-height: 1.75; }
.faq-a.open { display: block; }

/* =========================================================
   7. AUTHOR BIO BLOCK
   ========================================================= */

.author-bio { background: var(--white); border: 0.5px solid var(--border); border-radius: 14px; padding: 1.5rem 1.75rem; display: flex; gap: 1.25rem; align-items: flex-start; margin: 0 0 2rem; }
.author-avatar { width: 54px; height: 54px; background: var(--navy-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.author-avatar i { color: var(--navy); font-size: 26px; }
.author-label { font-size: 12px; color: var(--gold-dark); font-weight: 600; text-transform: uppercase; letter-spacing: 0.7px; margin-bottom: 4px; }
.author-name { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.author-desc { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin: 0; }

/* =========================================================
   8. EDITORIAL DISCLAIMER + LEGAL PAGE HELPERS
   ========================================================= */

.editorial-disclaimer { background: var(--gold-light); border: 1px solid rgba(201,168,76,0.3); border-radius: 10px; padding: 1rem 1.25rem; margin: 2.5rem 0 1.5rem; font-size: 0.8rem; color: var(--text-muted); line-height: 1.6; }
.editorial-disclaimer strong { color: var(--navy); }

.disclaimer-bar { background: var(--gold-light); border-top: 2px solid var(--gold); padding: 1.25rem 2rem; }
.disclaimer-bar p { max-width: 1060px; margin: 0 auto; font-size: 0.8rem; color: var(--text-muted); line-height: 1.6; }

.legal-warning-box { background: #fff8e6; border: 0.5px solid rgba(201,168,76,0.4); border-left: 4px solid var(--gold); border-radius: 8px; padding: 1.25rem 1.5rem; margin-bottom: 2rem; }
.legal-warning-box p { margin: 0; font-weight: 500; color: var(--navy); }

.legal-updated-pill { display: inline-block; background: var(--gold-light); color: var(--gold-dark); font-size: 12px; padding: 4px 12px; border-radius: 20px; margin-bottom: 2rem; font-weight: 500; }

/* =========================================================
   9. FOOTER
   ========================================================= */

footer { background: var(--navy); padding: 3rem 2rem 2rem; color: rgba(255,255,255,0.6); }
.footer-inner { max-width: 1060px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 2.5rem; }
.footer-brand-name { font-family: 'DM Serif Display', serif; font-size: 1.2rem; color: var(--white); margin-bottom: 0.75rem; }
.footer-brand-name span { color: var(--gold); }
.footer-brand-desc { font-size: 0.83rem; line-height: 1.65; max-width: 260px; }
.footer-col h4 { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.7px; color: rgba(255,255,255,0.4); margin-bottom: 1rem; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.55rem; }
.footer-col a { font-size: 0.85rem; color: rgba(255,255,255,0.65); transition: color 0.18s; text-decoration: none; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 1.5rem; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; }
.footer-bottom p { font-size: 0.78rem; }
.footer-legal { display: flex; gap: 1.25rem; }
.footer-legal a { font-size: 0.78rem; color: rgba(255,255,255,0.45); transition: color 0.18s; text-decoration: none; }
.footer-legal a:hover { color: var(--gold); }

@media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; } }