/* ==========================================================================
   Financial Achieve — main stylesheet
   Mobile-first. Tokens → base → layout → components → templates → utilities
   ========================================================================== */

@font-face {
	font-family: "Inter";
	font-style: normal;
	font-display: swap;
	font-weight: 100 900;
	src: url("../fonts/inter-latin-wght.woff2") format("woff2-variations"),
	     url("../fonts/inter-latin-wght.woff2") format("woff2");
	unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ---------- 1. Tokens ---------- */
:root {
	--navy: #0b2545;
	--navy-2: #081c35;
	--green: #0e8a7e; /* teal accent */
	--green-dark: #0b6e65;
	--green-ink: #0a5f57; /* AA-safe accent for small text on white */
	--bg: #ffffff;
	--bg-soft: #f4f7fa;
	--text: #22324a;
	--muted: #5d6c7c; /* darkened from #687787 for AA on #F5F8FA */
	--border: #e3eaf0;

	--tint-blue: #eaf3fd;   --ink-blue: #2563b8;
	--tint-violet: #f1eefd; --ink-violet: #5b46c4;
	--tint-coral: #fdf0ea;  --ink-coral: #c2462b;
	--tint-mint: #e6f4f1;   --ink-mint: #0b6e65;
	--tint-teal: #e5f3f6;   --ink-teal: #0d6b80;
	--tint-slate: #eef1f5;  --ink-slate: #44546a;
	--gold: #c9952b;
	--tint-amber: #fdf6e3;  --ink-amber: #a0640a;

	--font: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
	--radius-sm: 8px;
	--radius: 12px;
	--radius-lg: 18px;
	--shadow: 0 1px 2px rgba(11, 37, 69, .05), 0 4px 16px rgba(11, 37, 69, .06);
	--shadow-hover: 0 2px 4px rgba(11, 37, 69, .06), 0 10px 28px rgba(11, 37, 69, .10);
	--wrap: 1200px;
	--gutter: 16px;
	--header-h: 64px;
	--focus: 0 0 0 3px #fff, 0 0 0 5px var(--green-dark);
}
@media (min-width: 768px) { :root { --gutter: 24px; --header-h: 72px; } }

/* ---------- 2. Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
	margin: 0;
	font-family: var(--font);
	font-size: 1rem;
	line-height: 1.65;
	color: var(--text);
	background: var(--bg);
	-webkit-font-smoothing: antialiased;
	text-rendering: optimizeLegibility;
	overflow-x: hidden;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--green-ink); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--navy); }
h1, h2, h3, h4, h5, h6 { color: var(--navy); line-height: 1.2; letter-spacing: -.02em; margin: 0 0 .5em; font-weight: 750; }
h1 { font-size: clamp(2rem, 4.6vw, 3.25rem); letter-spacing: -.03em; }
h2 { font-size: clamp(1.5rem, 2.6vw, 1.875rem); }
h3 { font-size: clamp(1.15rem, 1.8vw, 1.3rem); }
p { margin: 0 0 1.1em; }
ul, ol { padding-left: 1.3em; }
hr { border: 0; border-top: 1px solid var(--border); margin: 2rem 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: none; box-shadow: var(--focus); border-radius: 4px; }
::selection { background: #cfe9e5; }

.screen-reader-text {
	border: 0; clip: rect(1px,1px,1px,1px); clip-path: inset(50%);
	height: 1px; width: 1px; margin: -1px; overflow: hidden; padding: 0;
	position: absolute !important; word-wrap: normal !important;
}
.skip-link:focus {
	clip: auto; clip-path: none; height: auto; width: auto; margin: 0;
	left: 12px; top: 12px; z-index: 1000; padding: 12px 18px;
	background: var(--navy); color: #fff; border-radius: var(--radius-sm); text-decoration: none;
}

@media (prefers-reduced-motion: reduce) {
	html { scroll-behavior: auto; }
	*, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

/* ---------- 3. Layout ---------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: 56px; }
.section--soft { background: var(--bg-soft); }
@media (min-width: 1024px) { .section { padding-block: 80px; } }
.section-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 16px; margin-bottom: 28px; flex-wrap: wrap; }
.section-head h2 { margin: 0; }
.section-head p { margin: 6px 0 0; color: var(--muted); max-width: 60ch; }
.eyebrow { font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--green-ink); margin: 0 0 12px; }

/* ---------- 4. Buttons & links ---------- */
.btn {
	display: inline-flex; align-items: center; justify-content: center; gap: .5em;
	min-height: 44px; padding: 10px 20px;
	font-weight: 650; font-size: .95rem; line-height: 1.2;
	border-radius: var(--radius-sm); border: 1px solid transparent;
	text-decoration: none; cursor: pointer;
	transition: background-color .15s, color .15s, border-color .15s, box-shadow .15s;
}
.btn--primary { background: var(--green-dark); color: #fff; } /* #0B6E65: AA contrast with white text */
.btn--primary:hover { background: var(--green-ink); color: #fff; }
.btn--outline { background: #fff; color: var(--navy); border-color: var(--border); }
.btn--outline:hover { border-color: var(--navy); color: var(--navy); }
.btn--ghost-light { color: #fff; border-color: rgba(255,255,255,.35); }
.btn--ghost-light:hover { background: rgba(255,255,255,.1); color: #fff; }
.btn--sm { min-height: 38px; padding: 8px 14px; font-size: .875rem; }
.btn--block { width: 100%; }
.btn svg { width: 1em; height: 1em; flex: none; }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; font-weight: 650; text-decoration: none; color: var(--green-ink); }
.link-arrow svg { width: 16px; height: 16px; transition: transform .15s; }
.link-arrow:hover svg { transform: translateX(3px); }

/* ---------- 5. Header ---------- */
.site-header {
	position: sticky; top: 0; z-index: 50;
	background: rgba(255,255,255,.96);
	border-bottom: 1px solid var(--border);
}
@supports (backdrop-filter: blur(8px)) { .site-header { background: rgba(255,255,255,.88); backdrop-filter: saturate(180%) blur(8px); } }
.admin-bar .site-header { top: 46px; }
@media (min-width: 783px) { .admin-bar .site-header { top: 32px; } }
@media (max-width: 600px) { .admin-bar .site-header { top: 0; } }
.site-header__inner { display: flex; align-items: center; gap: 16px; height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; font-weight: 800; font-size: 1.3rem; letter-spacing: -.03em; color: var(--navy); flex: none; }
.brand__mark { width: 30px; height: 30px; }
.brand__accent { color: var(--green); }
.brand:hover { color: var(--navy); }
.custom-logo { max-height: 40px; width: auto; }

.primary-nav { display: none; margin-left: auto; }
.primary-nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 2px; }
.primary-nav a {
	display: block; padding: 8px 11px; border-radius: var(--radius-sm);
	color: var(--navy); text-decoration: none; font-size: .9rem; font-weight: 550; white-space: nowrap;
}
.primary-nav a:hover { background: var(--bg-soft); }
.primary-nav .current-menu-item > a, .primary-nav .current-menu-ancestor > a, .primary-nav .current-post-ancestor > a, .primary-nav .current-category-ancestor > a { color: var(--green-ink); }
.primary-nav .sub-menu { display: none; }

.header-actions { display: flex; align-items: center; gap: 6px; margin-left: auto; }
.icon-btn {
	display: inline-grid; place-items: center; width: 44px; height: 44px;
	border-radius: var(--radius-sm); border: 0; background: transparent; color: var(--navy); cursor: pointer;
}
.icon-btn:hover { background: var(--bg-soft); }
.icon-btn svg { width: 22px; height: 22px; }
.header-cta { display: none; }
@media (min-width: 600px) { .header-cta { display: inline-flex; } }
@media (min-width: 1100px) {
	.primary-nav { display: block; }
	.header-actions { margin-left: 8px; }
	.menu-toggle { display: none; }
}

/* Mobile drawer */
.mobile-nav[hidden] { display: none; }
.mobile-nav {
	position: fixed; inset: 0; z-index: 100; background: rgba(12, 34, 56, .45);
}
.mobile-nav__panel {
	position: absolute; right: 0; top: 0; bottom: 0; width: min(88vw, 360px);
	background: #fff; padding: 16px 20px 32px; overflow-y: auto;
	display: flex; flex-direction: column; gap: 8px;
}
.mobile-nav__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 8px; }
.mobile-nav ul { list-style: none; padding: 0; margin: 0; }
.mobile-nav li a { display: block; padding: 13px 4px; border-bottom: 1px solid var(--border); text-decoration: none; color: var(--navy); font-weight: 600; }
.mobile-nav .sub-menu a { padding-left: 18px; font-weight: 500; }
.mobile-nav .btn { margin-top: 16px; }
body.nav-open { overflow: hidden; }

/* Search overlay */
.search-overlay[hidden] { display: none; }
.search-overlay { position: fixed; inset: 0; z-index: 110; background: rgba(12,34,56,.55); padding: 10vh var(--gutter) 0; }
.search-overlay__box { max-width: 680px; margin: 0 auto; background: #fff; border-radius: var(--radius-lg); padding: 20px; box-shadow: var(--shadow-hover); }
.search-overlay__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
.search-overlay__head p { margin: 0; font-weight: 700; color: var(--navy); }
.search-overlay__hints { margin: 14px 0 0; font-size: .875rem; color: var(--muted); display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }
.search-overlay__hints a { padding: 4px 10px; background: var(--bg-soft); border-radius: 999px; text-decoration: none; color: var(--navy); }

/* Search form */
.search-form { display: flex; align-items: stretch; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 6px; box-shadow: var(--shadow); }
.search-form:focus-within { border-color: var(--green); }
.search-form input[type="search"] { flex: 1; min-width: 0; border: 0; padding: 10px 12px; font-size: 1rem; background: transparent; }
.search-form input[type="search"]:focus { outline: none; }
.search-form button { flex: none; }
.search-form button.btn { min-height: 44px; padding-inline: 14px; }
.search-form button.btn svg { width: 20px; height: 20px; }

/* ---------- 6. Hero ---------- */
.hero { position: relative; background: linear-gradient(180deg, #eaf2f8 0%, #f4f7fa 100%); border-bottom: 1px solid var(--border); overflow: hidden; }
.hero__inner { display: grid; gap: 36px; padding-block: 48px 56px; align-items: center; }
.hero h1 { margin-bottom: 18px; max-width: 14ch; }
.hero__lead { font-size: 1.075rem; color: var(--text); max-width: 54ch; margin-bottom: 24px; }
.hero .search-form { max-width: 520px; }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 20px; }
.trust { list-style: none; padding: 0; margin: 24px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: .9rem; font-weight: 550; color: var(--navy); }
.trust li { display: inline-flex; align-items: center; gap: 8px; }
.trust svg { width: 18px; height: 18px; color: var(--green); flex: none; }
.hero__media { position: relative; }
.hero__media img, .hero__media svg { width: 100%; height: auto; border-radius: var(--radius-lg); aspect-ratio: 4 / 3; object-fit: cover; }
@media (min-width: 960px) {
	.hero__inner { grid-template-columns: 1.05fr 1fr; gap: 48px; padding-block: 72px 80px; }
}

/* ---------- 7. Category cards ---------- */
.cat-grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 200px), 1fr)); }
@media (min-width: 760px) { .cat-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.cat-card { min-height: 0; }
.cat-card {
	position: relative; display: flex; flex-direction: column; gap: 8px;
	padding: 22px 20px 20px; border-radius: var(--radius); border: 1px solid transparent;
	text-decoration: none; color: var(--text); background: var(--tint, var(--bg-soft));
	transition: transform .15s, box-shadow .15s, border-color .15s;
}
.cat-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-hover); color: var(--text); border-color: rgba(16,43,70,.08); }
.cat-card__icon { width: 44px; height: 44px; color: var(--ink, var(--navy)); margin-bottom: 6px; }
.cat-card h3 { margin: 0; font-size: 1.05rem; }
.cat-card p { margin: 0; font-size: .9rem; color: var(--text); flex: 1; }
.cat-card .cat-card__go { margin-top: 10px; color: var(--navy); }
.cat-card .cat-card__go svg { width: 18px; height: 18px; }
.cat-card .cat-card__count { font-size: .78rem; font-weight: 600; color: var(--muted); }
.tone-blue   { --tint: var(--tint-blue);   --ink: var(--ink-blue); }
.tone-violet { --tint: var(--tint-violet); --ink: var(--ink-violet); }
.tone-coral  { --tint: var(--tint-coral);  --ink: var(--ink-coral); }
.tone-mint   { --tint: var(--tint-mint);   --ink: var(--ink-mint); }
.tone-amber  { --tint: var(--tint-amber);  --ink: var(--ink-amber); }
.tone-teal   { --tint: var(--tint-teal);   --ink: var(--ink-teal); }
.tone-slate  { --tint: var(--tint-slate);  --ink: var(--ink-slate); }

/* ---------- 8. Post cards ---------- */
.post-grid { display: grid; gap: 22px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 250px), 1fr)); }
.post-grid--3 { grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); }
.card {
	position: relative; display: flex; flex-direction: column; background: #fff;
	border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden;
	transition: box-shadow .15s, transform .15s;
}
.card:hover { box-shadow: var(--shadow-hover); transform: translateY(-2px); }
.card__media { aspect-ratio: 16 / 10; background: var(--bg-soft); overflow: hidden; }
.card__media img { width: 100%; height: 100%; object-fit: cover; }
.card__body { display: flex; flex-direction: column; gap: 8px; padding: 16px 18px 18px; flex: 1; }
.card__cat { font-size: .7rem; font-weight: 750; letter-spacing: .1em; text-transform: uppercase; color: var(--ink, var(--green-ink)); text-decoration: none; position: relative; z-index: 2; align-self: flex-start; }
.card__title { font-size: 1.05rem; margin: 0; line-height: 1.35; }
.card__title a { color: var(--navy); text-decoration: none; }
.card__title a::after { content: ""; position: absolute; inset: 0; z-index: 1; } /* whole-card click target */
.card__title a:focus-visible { box-shadow: none; }
.card:focus-within { box-shadow: var(--focus); }
.card__excerpt { font-size: .9rem; color: var(--muted); margin: 0; flex: 1; }
.card__meta { display: flex; align-items: center; justify-content: space-between; font-size: .8rem; color: var(--muted); padding-top: 6px; }
.card__meta span { display: inline-flex; align-items: center; gap: 6px; }
.card__meta svg { width: 15px; height: 15px; }
.badge-draft { display: inline-block; font-size: .68rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; background: var(--tint-amber); color: var(--ink-amber); padding: 2px 8px; border-radius: 999px; }

/* Featured (horizontal) card */
.card--feature { display: grid; }
@media (min-width: 768px) {
	.card--feature { grid-template-columns: 1.15fr 1fr; }
	.card--feature .card__media { aspect-ratio: auto; min-height: 100%; }
	.card--feature .card__body { padding: 32px; justify-content: center; }
	.card--feature .card__title { font-size: 1.6rem; }
	.card--feature .card__excerpt { font-size: 1rem; flex: 0; }
}

/* Compact list item (sidebar/related) */
.mini-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.mini { display: grid; grid-template-columns: 72px 1fr; gap: 12px; align-items: center; position: relative; }
.mini img { width: 72px; height: 56px; object-fit: cover; border-radius: var(--radius-sm); background: var(--bg-soft); }
.mini a { font-size: .9rem; font-weight: 600; color: var(--navy); text-decoration: none; line-height: 1.35; }
.mini a::after { content: ""; position: absolute; inset: 0; }
.mini a:hover { color: var(--green-ink); }
.mini small { display: block; color: var(--muted); font-size: .76rem; margin-top: 2px; }

/* ---------- 9. Start Here steps ---------- */
.steps { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); counter-reset: step; list-style: none; padding: 0; margin: 0; }
.step { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 8px; }
.step__num { width: 34px; height: 34px; border-radius: 50%; background: var(--green-dark); color: #fff; display: grid; place-items: center; font-weight: 750; font-size: .95rem; }
.step h3 { margin: 6px 0 0; font-size: 1.05rem; }
.step p { margin: 0; font-size: .92rem; color: var(--muted); flex: 1; }
.step .link-arrow { font-size: .9rem; margin-top: 6px; }

/* ---------- 10. Loan calculator ---------- */
.calc { display: grid; gap: 28px; }
@media (min-width: 960px) { .calc { grid-template-columns: minmax(0, 1fr) minmax(0, 1.3fr); gap: 48px; align-items: start; } }
.calc__intro p { color: var(--muted); }
.entry-content .calc, .sidebar .calc { grid-template-columns: 1fr; }
.entry-content .calc__intro h2 { margin-top: 0; }
.calc__note { font-size: .85rem; background: var(--tint-amber); color: #5e3d06; padding: 12px 14px; border-radius: var(--radius-sm); }
.calc__form { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 22px; box-shadow: var(--shadow); }
.calc__fields { display: grid; gap: 14px; grid-template-columns: 1fr; }
@media (min-width: 560px) { .calc__fields { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.calc__input input { width: 100%; }
.calc__field { display: grid; gap: 6px; }
.calc__field label { font-weight: 650; color: var(--navy); font-size: .9rem; }
.calc__input { display: flex; align-items: center; border: 1px solid #c9d6e0; border-radius: var(--radius-sm); background: #fff; }
.calc__input:focus-within { border-color: var(--green); box-shadow: 0 0 0 3px rgba(14,138,126,.2); }
.calc__input span { padding: 0 10px; color: var(--muted); font-weight: 600; }
.calc__input input { flex: 1; min-width: 0; border: 0; min-height: 46px; padding: 10px 12px; background: transparent; font-variant-numeric: tabular-nums; }
.calc__input span + input { padding-left: 0; }
.calc__input input:focus { outline: none; }
.calc__actions { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; margin-top: 18px; }
.calc__error { color: #b42318; font-size: .9rem; margin: 0; }
.calc__results { margin-top: 22px; }
.calc__results[hidden] { display: none; }
.calc__stats { display: grid; gap: 10px; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); }
.calc__stat { background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius); padding: 14px 16px; }
.calc__stat small { display: block; color: var(--muted); font-size: .8rem; font-weight: 600; }
.calc__stat strong { display: block; color: var(--navy); font-size: 1.45rem; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.calc__stat--main { background: var(--tint-mint); border-color: #c4e3de; }
.calc__split { margin: 16px 0 6px; height: 12px; border-radius: 999px; background: var(--gold); overflow: hidden; display: flex; }
.calc__split i { display: block; height: 100%; background: var(--navy); }
.calc__legend { display: flex; gap: 16px; flex-wrap: wrap; font-size: .82rem; color: var(--muted); margin: 0; }
.calc__legend b { display: inline-block; width: 10px; height: 10px; border-radius: 2px; margin-right: 6px; vertical-align: -1px; }
.calc details { margin-top: 14px; }
.calc summary { cursor: pointer; font-weight: 650; color: var(--navy); min-height: 44px; display: flex; align-items: center; }
.calc .table-wrap { margin: 8px 0 0; border: 1px solid var(--border); border-radius: var(--radius); overflow-x: auto; max-height: 340px; }
.calc table { width: 100%; border-collapse: collapse; font-size: .86rem; font-variant-numeric: tabular-nums; }
.calc th, .calc td { padding: 8px 12px; text-align: right; border-bottom: 1px solid var(--border); }
.calc th:first-child, .calc td:first-child { text-align: left; }
.calc thead th { position: sticky; top: 0; background: var(--bg-soft); color: var(--navy); }
.calc__fine { font-size: .8rem; color: var(--muted); margin: 12px 0 0; }

/* Trust / YMYL elements */
.fin-disclaimer { margin-top: 32px; padding: 16px 18px; border: 1px solid var(--border); border-left: 3px solid var(--navy); border-radius: var(--radius-sm); background: var(--bg-soft); font-size: .88rem; color: var(--text); }
.fin-disclaimer strong { color: var(--navy); }
.fin-disclaimer p { margin: 0; }
.reviewed-by { display: inline-flex; align-items: center; gap: 6px; }
.reviewed-by svg { width: 16px; height: 16px; color: var(--green-ink); }
.stale-note { margin-bottom: 22px; }

/* ---------- 11. Resources ---------- */
.resource-grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 320px), 1fr)); }
.resource { display: flex; gap: 14px; align-items: flex-start; padding: 18px; border: 1px solid var(--border); border-radius: var(--radius); background: #fff; text-decoration: none; color: var(--text); position: relative; }
.resource:hover { border-color: #c9d6e0; box-shadow: var(--shadow); color: var(--text); }
.resource__icon { flex: none; width: 40px; height: 40px; border-radius: 10px; background: var(--tint, var(--tint-mint)); color: var(--ink, var(--green-ink)); display: grid; place-items: center; }
.resource__icon svg { width: 22px; height: 22px; }
.resource strong { display: block; color: var(--navy); margin-bottom: 2px; }
.resource span { font-size: .88rem; color: var(--muted); }

/* ---------- 12. Newsletter ---------- */
.newsletter { background: var(--tint-blue); border: 1px solid #d6e6f7; border-radius: var(--radius-lg); padding: 28px 22px; display: grid; gap: 20px; align-items: center; }
@media (min-width: 900px) { .newsletter { grid-template-columns: auto 1.2fr 1fr; padding: 36px 40px; gap: 32px; } }
.newsletter__art { width: 72px; height: 72px; color: var(--green); }
.newsletter h2 { font-size: clamp(1.35rem, 2.4vw, 1.75rem); margin-bottom: 6px; }
.newsletter p { margin: 0; color: var(--text); }
.nl-form { display: grid; gap: 8px; }
.nl-form__row { display: flex; gap: 8px; flex-wrap: wrap; }
.nl-form input[type="email"] { flex: 1 1 200px; min-width: 0; min-height: 46px; padding: 10px 14px; border: 1px solid #c9d6e0; border-radius: var(--radius-sm); background: #fff; }
.nl-form input[type="email"]:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(14,138,126,.2); }
.nl-form input[aria-invalid="true"] { border-color: #b42318; }
.nl-form .consent { font-size: .78rem; color: var(--muted); line-height: 1.5; margin: 0; }
.nl-form .consent a, .site-footer .nl-form .consent a { text-decoration: underline; }
.form-msg { font-size: .88rem; margin: 0; min-height: 1.2em; }
.form-msg.is-error { color: #b42318; }
.form-msg.is-info { color: var(--navy); }
.form-msg.is-success { color: var(--green-ink); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

/* ---------- 13. Footer ---------- */
.site-footer { background: var(--navy); color: #c8d4df; margin-top: 0; }
.site-footer a { color: #e6edf3; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-top { display: grid; gap: 36px; padding-block: 56px 40px; }
@media (min-width: 700px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer-top { grid-template-columns: 1.3fr .8fr .8fr 1.3fr; } }
.site-footer .brand { color: #fff; }
.site-footer .brand__accent { color: #7fd1c7; }
.footer-about p { margin: 12px 0 18px; font-size: .92rem; max-width: 34ch; }
.footer-col h2 { font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: #fff; margin-bottom: 14px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; font-size: .92rem; }
.social { display: flex; gap: 8px; list-style: none; padding: 0; margin: 0; }
.social a { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.08); }
.social a:hover { background: var(--green); text-decoration: none; }
.social svg { width: 18px; height: 18px; }
.site-footer .nl-form input[type="email"] { border-color: transparent; }
.site-footer .consent, .site-footer .form-msg.is-info { color: #aebdcb; }
.site-footer .form-msg.is-error { color: #ffb4a8; }
.site-footer .form-msg.is-success { color: #8fe0d4; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-block: 20px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: .85rem; }
.footer-bottom p { margin: 0; }

/* ---------- 14. Breadcrumbs ---------- */
.breadcrumbs { font-size: .82rem; color: var(--muted); margin-bottom: 18px; }
.breadcrumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 4px 6px; align-items: center; }
.breadcrumbs li { display: inline-flex; align-items: center; gap: 6px; }
.breadcrumbs li + li::before { content: "›"; color: #a5b2bf; }
.breadcrumbs a { color: var(--muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--green-ink); text-decoration: underline; }
.breadcrumbs [aria-current] { color: var(--navy); }

/* ---------- 15. Category hub ---------- */
.hub-hero { background: var(--tint, var(--bg-soft)); border-bottom: 1px solid var(--border); padding-block: 32px 40px; }
.hub-hero__inner { display: grid; gap: 20px; }
@media (min-width: 900px) { .hub-hero__inner { grid-template-columns: 1fr auto; align-items: end; } }
.hub-hero h1 { font-size: clamp(2rem, 4vw, 2.75rem); margin-bottom: 12px; }
.hub-hero__desc { max-width: 68ch; font-size: 1.05rem; }
.hub-hero__desc p:last-child { margin-bottom: 0; }
.hub-hero__icon { width: 84px; height: 84px; color: var(--ink, var(--navy)); display: none; }
@media (min-width: 900px) { .hub-hero__icon { display: block; } }
.pill-nav { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; list-style: none; padding: 0; }
.pill-nav a { display: inline-block; padding: 7px 14px; background: #fff; border: 1px solid var(--border); border-radius: 999px; text-decoration: none; color: var(--navy); font-size: .85rem; font-weight: 600; }
.pill-nav a:hover { border-color: var(--navy); }
.hub-layout { display: grid; gap: 40px; }
@media (min-width: 1024px) { .hub-layout { grid-template-columns: minmax(0, 1fr) 300px; gap: 48px; } }
.hub-block + .hub-block { margin-top: 48px; }
.hub-block h2 { font-size: 1.4rem; }
.hub-block .cat-grid { grid-template-columns: repeat(auto-fill, minmax(min(100%, 180px), 1fr)); }
@media (max-width: 599px) { .cat-grid { grid-template-columns: 1fr 1fr; gap: 10px; } .cat-card { padding: 16px 14px; } .cat-card p { font-size: .84rem; } }

/* Pagination */
.pagination { margin-top: 40px; }
.pagination .nav-links { display: flex; flex-wrap: wrap; gap: 6px; justify-content: center; }
.pagination .page-numbers { display: inline-grid; place-items: center; min-width: 44px; height: 44px; padding: 0 12px; border-radius: var(--radius-sm); border: 1px solid var(--border); text-decoration: none; color: var(--navy); font-weight: 600; }
.pagination .page-numbers.current { background: var(--navy); color: #fff; border-color: var(--navy); }
.pagination a.page-numbers:hover { border-color: var(--navy); }
.pagination .dots { border: 0; }

/* ---------- 16. Article ---------- */
.article-layout { display: grid; gap: 48px; padding-block: 28px 64px; }
.article-layout > *, .hub-layout > * { min-width: 0; }
@media (min-width: 1100px) {
	.article-layout { grid-template-columns: minmax(0, 740px) 300px; justify-content: space-between; gap: 56px; }
}
.article-header { margin-bottom: 24px; }
.article-header .card__cat { margin-bottom: 10px; display: inline-block; }
.article-header h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); margin-bottom: 14px; }
.article-excerpt { font-size: 1.12rem; color: var(--text); margin-bottom: 18px; }
.article-meta { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 18px; font-size: .85rem; color: var(--muted); padding-bottom: 18px; border-bottom: 1px solid var(--border); }
.article-meta span { display: inline-flex; align-items: center; gap: 6px; }
.article-meta svg { width: 16px; height: 16px; }
.article-meta img.avatar { width: 28px; height: 28px; border-radius: 50%; }
.article-meta a { color: var(--navy); font-weight: 600; text-decoration: none; }
.share { display: flex; gap: 6px; margin-left: auto; }
.share a, .share button { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; border: 1px solid var(--border); background: #fff; color: var(--navy); cursor: pointer; }
.share a:hover, .share button:hover { border-color: var(--navy); }
.share svg { width: 16px; height: 16px; }
.article-figure { margin: 0 0 28px; }
.article-figure img { width: 100%; border-radius: var(--radius-lg); aspect-ratio: 16/9; object-fit: cover; }
.article-figure figcaption { font-size: .8rem; color: var(--muted); margin-top: 8px; }

/* TOC (in-content, mobile) */
.toc { border: 1px solid var(--border); border-radius: var(--radius); background: #fff; margin-bottom: 28px; }
.toc summary { list-style: none; cursor: pointer; padding: 14px 18px; font-weight: 700; color: var(--navy); display: flex; justify-content: space-between; align-items: center; min-height: 48px; }
.toc summary::-webkit-details-marker { display: none; }
.toc summary svg { width: 18px; height: 18px; transition: transform .15s; }
.toc[open] summary svg { transform: rotate(180deg); }
.toc ol { margin: 0; padding: 0 18px 16px 38px; font-size: .9rem; }
.toc li { margin: 6px 0; }
.toc li ol { padding: 0 0 0 18px; list-style: lower-alpha; }
.toc a { color: var(--text); text-decoration: none; }
.toc a:hover, .toc a.is-active { color: var(--green-ink); text-decoration: underline; }
.toc--inline { display: block; }
@media (min-width: 1100px) { .toc--inline { display: none; } }

/* Entry content typography */
.entry-content { font-size: 1.075rem; line-height: 1.75; }
.entry-content > * { margin-top: 0; }
.entry-content p:empty { display: none; }
.entry-content h2 { margin: 2.2em 0 .6em; font-size: clamp(1.45rem, 2.4vw, 1.75rem); }
.entry-content h3 { margin: 1.8em 0 .5em; }
.entry-content h4 { margin: 1.5em 0 .5em; font-size: 1.1rem; }
.entry-content ul, .entry-content ol { margin: 0 0 1.3em; }
.entry-content li { margin: .35em 0; }
.entry-content ul.is-style-checks, .entry-content ul.checklist { list-style: none; padding-left: 0; }
.entry-content ul.checklist li { position: relative; padding-left: 30px; }
.entry-content ul.checklist li::before { content: ""; position: absolute; left: 0; top: .32em; width: 18px; height: 18px; border-radius: 50%; background: var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/12px no-repeat; }
.entry-content img { border-radius: var(--radius); }
.entry-content figure { margin: 1.8em 0; }
.entry-content figcaption { font-size: .82rem; color: var(--muted); margin-top: 8px; text-align: left; }
.entry-content blockquote { margin: 1.8em 0; padding: 4px 0 4px 20px; border-left: 3px solid var(--green); color: var(--navy); font-size: 1.1rem; }
.entry-content a { font-weight: 550; }
.entry-content code { background: var(--bg-soft); padding: .1em .35em; border-radius: 4px; font-size: .9em; }
.entry-content .wp-block-table, .table-wrap { overflow-x: auto; margin: 1.8em 0; -webkit-overflow-scrolling: touch; border: 1px solid var(--border); border-radius: var(--radius); }
.entry-content table { width: 100%; border-collapse: collapse; font-size: .92rem; line-height: 1.5; min-width: 520px; }
.entry-content th, .entry-content td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--border); vertical-align: top; }
.entry-content thead th { background: var(--bg-soft); color: var(--navy); font-weight: 700; white-space: nowrap; }
.entry-content tbody tr:last-child td { border-bottom: 0; }
.entry-content .wp-block-table table { border: 0; }
.entry-content .wp-block-table td, .entry-content .wp-block-table th { border-left: 0; border-right: 0; }

/* Callouts (editorial notes, tips, warnings) */
.callout { display: grid; grid-template-columns: auto 1fr; gap: 12px; padding: 16px 18px; margin: 1.8em 0; border-radius: var(--radius); background: var(--tint-mint); border: 1px solid #c4e3de; font-size: .98rem; line-height: 1.6; }
.callout svg { width: 22px; height: 22px; color: var(--green-ink); margin-top: 2px; }
.callout p:last-child { margin-bottom: 0; }
.callout__title { font-weight: 750; color: var(--navy); display: block; margin-bottom: 2px; }
.callout--note { background: var(--tint-blue); border-color: #d3e3f5; }
.callout--note svg { color: var(--ink-blue); }
.callout--warning { background: var(--tint-amber); border-color: #f2e2b6; }
.callout--warning svg { color: var(--ink-amber); }

/* Numbered steps in content */
.entry-content ol.steps-list { list-style: none; counter-reset: s; padding: 0; }
.entry-content ol.steps-list > li { counter-increment: s; position: relative; padding: 0 0 0 48px; margin: 0 0 22px; }
.entry-content ol.steps-list > li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-weight: 700; font-size: .9rem; line-height: 1; }
.entry-content ol.steps-list > li strong:first-child { color: var(--navy); }

/* Pros/cons */
.proscons { display: grid; gap: 14px; margin: 1.8em 0; }
@media (min-width: 640px) { .proscons { grid-template-columns: 1fr 1fr; } }
.proscons > div { border: 1px solid var(--border); border-radius: var(--radius); padding: 16px 18px; }
.proscons__title { color: var(--navy); font-weight: 750; margin: 0 0 8px !important; font-size: 1rem; display: flex; gap: 8px; align-items: center; }
.proscons ul { list-style: none; padding: 0; margin: 0; font-size: .95rem; }
.proscons li { padding-left: 22px; position: relative; }
.proscons .pros { background: #f0f8f6; }
.proscons .cons { background: #fdf6f4; }
.proscons .pros li::before { content: "+"; position: absolute; left: 2px; font-weight: 800; color: var(--green-ink); }
.proscons .cons li::before { content: "–"; position: absolute; left: 2px; font-weight: 800; color: #b42318; }

/* Idea card list (in-content) */
.idea { border: 1px solid var(--border); border-radius: var(--radius); padding: 18px 20px; margin: 0 0 16px; background: #fff; }
.idea h4 { margin: 0 0 6px !important; display: flex; gap: 10px; align-items: baseline; font-size: 1.15rem; }
.idea h4 .idea__n { flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--green-dark); color: #fff; font-size: .82rem; display: inline-grid; place-items: center; transform: translateY(-2px); }
.idea p { margin: 0 0 .7em; font-size: 1rem; }
.idea__facts { display: flex; flex-wrap: wrap; gap: 6px 14px; font-size: .84rem; color: var(--muted); margin: 0; padding: 0; list-style: none; }
.idea__facts li { margin: 0 !important; }
.idea__facts strong { color: var(--navy); font-weight: 650; }

/* Affiliate CTA */
.aff-box { border: 1px solid var(--border); border-radius: var(--radius); padding: 18px 20px; margin: 1.8em 0; background: #fff; box-shadow: var(--shadow); }
.aff-box__head { display: flex; justify-content: space-between; gap: 12px; align-items: baseline; flex-wrap: wrap; }
.aff-box__name { margin: 0 !important; font-size: 1.1rem; font-weight: 750; color: var(--navy); }
.aff-box p { margin: 8px 0 12px; font-size: .95rem; }
.aff-box__disc { font-size: .76rem; color: var(--muted); margin: 10px 0 0 !important; }
.aff-label { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
a[rel~="sponsored"]:not(.btn)::after { content: "*"; font-size: .8em; margin-left: 1px; color: var(--muted); }
.disclosure { font-size: .85rem; background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 10px 14px; margin-bottom: 24px; color: var(--text); }
.disclosure a { font-weight: 600; }

/* Ad slots (only rendered when configured) */
.ad-slot { margin: 2em 0; padding-top: 6px; border-top: 1px solid var(--border); text-align: center; clear: both; }
.ad-slot__label { display: block; font-size: .68rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.ad-slot--placeholder { border: 1px dashed #b9c7d3; border-radius: var(--radius-sm); padding: 18px; color: var(--muted); font-size: .82rem; background: repeating-linear-gradient(45deg, #fff, #fff 8px, #f8fafb 8px, #f8fafb 16px); }
.sidebar .ad-slot { margin: 0; }

/* Article footer bits */
.article-updated-note { font-size: .85rem; color: var(--muted); }
.sources { margin-top: 2.4em; padding-top: 1.4em; border-top: 1px solid var(--border); font-size: .9rem; }
.sources h2 { font-size: 1.15rem !important; margin: 0 0 .6em !important; }
.sources ol { padding-left: 1.2em; }
.sources li { word-break: break-word; }
.tags { display: flex; flex-wrap: wrap; gap: 8px; margin: 28px 0 0; list-style: none; padding: 0; }
.tags a { font-size: .82rem; background: var(--bg-soft); padding: 5px 12px; border-radius: 999px; text-decoration: none; color: var(--navy); }
.author-box { display: grid; grid-template-columns: 64px 1fr; gap: 16px; padding: 22px; margin-top: 36px; border: 1px solid var(--border); border-radius: var(--radius); background: var(--bg-soft); }
.author-box img { width: 64px; height: 64px; border-radius: 50%; }
.author-box h2 { font-size: 1.05rem; margin: 0 0 4px; }
.author-box p { margin: 0; font-size: .92rem; }
.next-step { margin-top: 36px; border-radius: var(--radius); background: var(--tint-blue); padding: 22px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; }
.next-step strong { color: var(--navy); display: block; font-size: 1.05rem; }
.next-step p { margin: 4px 0 0; font-size: .92rem; }
.post-nav { display: grid; gap: 12px; margin-top: 36px; }
@media (min-width: 640px) { .post-nav { grid-template-columns: 1fr 1fr; } }
.post-nav a { display: block; padding: 16px 18px; border: 1px solid var(--border); border-radius: var(--radius); text-decoration: none; color: var(--navy); font-weight: 650; line-height: 1.4; }
.post-nav a:hover { border-color: var(--navy); }
.post-nav small { display: block; color: var(--muted); font-weight: 500; font-size: .78rem; margin-bottom: 4px; }
.post-nav .next { text-align: right; }
.related { border-top: 1px solid var(--border); }

/* ---------- 17. Sidebar ---------- */
.sidebar { display: grid; gap: 22px; align-content: start; }
.widget { border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; background: #fff; }
.widget-title, .widget h2 { font-size: .95rem; margin: 0 0 14px; color: var(--navy); }
.widget ul { list-style: none; padding: 0; margin: 0; }
.widget--cta { background: var(--tint-mint); border-color: #c4e3de; }
.widget--cta h2 { font-size: 1.2rem; }
.widget--cta p { font-size: .92rem; }
.widget--toc ol { margin: 0; padding-left: 20px; font-size: .88rem; }
.widget--toc li { margin: 7px 0; }
.widget--toc li ol { padding-left: 14px; list-style: lower-alpha; }
.widget--toc a { color: var(--text); text-decoration: none; }
.widget--toc a:hover, .widget--toc a.is-active { color: var(--green-ink); font-weight: 600; }
.cat-list li a { display: flex; align-items: center; gap: 10px; padding: 8px 0; text-decoration: none; color: var(--navy); font-size: .92rem; font-weight: 550; }
.cat-list li + li { border-top: 1px solid var(--border); }
.cat-list .cat-list__icon { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center; background: var(--tint); color: var(--ink); flex: none; }
.cat-list .cat-list__icon svg { width: 18px; height: 18px; }
.cat-list .count { margin-left: auto; font-size: .78rem; color: var(--muted); }
.widget--promo { background: var(--tint-mint); border-color: #c4e3de; }
@media (min-width: 1100px) {
	.sidebar--sticky-toc .widget--toc { position: sticky; top: calc(var(--header-h) + 20px); max-height: calc(100vh - var(--header-h) - 40px); overflow-y: auto; }
}
.widget--toc { display: none; }
@media (min-width: 1100px) { .widget--toc { display: block; } }

/* ---------- 18. Pages ---------- */
.page-hero { background: var(--bg-soft); border-bottom: 1px solid var(--border); padding-block: 32px 40px; }
.page-hero h1 { font-size: clamp(2rem, 4vw, 2.75rem); margin-bottom: 10px; }
.page-hero p { margin: 0; font-size: 1.05rem; max-width: 68ch; }
.page-body { padding-block: 40px 72px; }
.page-body .entry-content { max-width: 760px; }
.page-body--wide .entry-content { max-width: none; }
.placeholder-note, .entry-content mark.placeholder { background: #fff4cc; color: #5e3d06; padding: 0 .25em; border-radius: 3px; font-weight: 600; }
.legal-banner { background: var(--tint-amber); border: 1px solid #f2e2b6; color: #5e3d06; padding: 14px 18px; border-radius: var(--radius-sm); margin-bottom: 28px; font-size: .92rem; }

/* Contact form */
.contact-layout { display: grid; gap: 40px; }
@media (min-width: 960px) { .contact-layout { grid-template-columns: 1.3fr 1fr; } }
.form { display: grid; gap: 18px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; }
.field { display: grid; gap: 6px; }
.field label { font-weight: 650; color: var(--navy); font-size: .92rem; }
.field .req { color: #b42318; }
.field input, .field select, .field textarea { width: 100%; min-height: 46px; padding: 10px 14px; border: 1px solid #c9d6e0; border-radius: var(--radius-sm); background: #fff; }
.field textarea { min-height: 160px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(14,138,126,.2); }
.field [aria-invalid="true"] { border-color: #b42318; }
.field__error { color: #b42318; font-size: .84rem; margin: 0; }
.field__error:empty { display: none; }
.field--check { grid-template-columns: auto 1fr; align-items: start; gap: 10px; }
.field--check input { width: 20px; height: 20px; min-height: 0; margin-top: 3px; accent-color: var(--green); }
.field--check label { font-weight: 500; font-size: .88rem; color: var(--text); }
.notice { padding: 14px 18px; border-radius: var(--radius-sm); font-size: .95rem; margin-bottom: 18px; }
.notice--success { background: var(--tint-mint); color: #054d35; border: 1px solid #bfe6d4; }
.notice--error { background: #fdecea; color: #7a1a12; border: 1px solid #f5c6c0; }
.notice--info { background: var(--tint-blue); color: var(--navy); border: 1px solid #d3e3f5; }

/* HTML sitemap */
.sitemap-grid { display: grid; gap: 32px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 280px), 1fr)); }
.sitemap-grid h2 { font-size: 1.15rem; }
.sitemap-grid ul { padding-left: 1.1em; }
.sitemap-grid li { margin: 6px 0; }

/* Search / 404 */
.search-head { padding-block: 32px; background: var(--bg-soft); border-bottom: 1px solid var(--border); }
.search-head h1 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
.search-head .search-form { max-width: 620px; margin-top: 16px; }
.empty-state { text-align: center; padding: 56px 0; max-width: 620px; margin: 0 auto; }
.empty-state .search-form { margin: 24px auto 0; text-align: left; }
.err-code { font-size: clamp(4rem, 12vw, 7rem); font-weight: 800; color: var(--green); line-height: 1; margin: 0 0 8px; letter-spacing: -.04em; }

/* Back to top */
.to-top { display: inline-flex; align-items: center; gap: 6px; }
.to-top svg { width: 15px; height: 15px; }

/* WordPress core alignment & captions */
.alignleft { float: left; margin: .3em 1.5em 1em 0; }
.alignright { float: right; margin: .3em 0 1em 1.5em; }
.aligncenter { margin-inline: auto; }
.wp-caption-text, .wp-element-caption { font-size: .82rem; color: var(--muted); }
.sticky .card__cat::after { content: " • Pinned"; color: var(--muted); }
.bypostauthor { }
.gallery-caption { }

/* Comments (only shown when enabled) */
.comments-area { margin-top: 40px; border-top: 1px solid var(--border); padding-top: 24px; }
.comment-list { list-style: none; padding: 0; }
.comment-body { padding: 16px 0; border-bottom: 1px solid var(--border); }

@media print {
	.site-header, .site-footer, .sidebar, .share, .newsletter, .ad-slot, .next-step, .post-nav, .related { display: none !important; }
	.article-layout { display: block; }
	a { color: inherit; }
}