/* ============================
   SmartCents — Shared Styles
   ============================ */

/* --- Custom Properties --- */
:root {
    --bg: #FAFAF7;
    --text: #1A1A1A;
    --text-muted: #5A5A5A;
    --accent: #1B6B4A;
    --accent-light: #E8F5EE;
    --accent-dark: #0F4D33;
    --gold: #C8A84E;
    --gold-light: #FFF8E7;
    --card-bg: #FFFFFF;
    --border: #E8E8E4;
    --radius: 12px;
    --shadow: 0 2px 20px rgba(0,0,0,0.06);
    --shadow-hover: 0 8px 40px rgba(0,0,0,0.1);
    --mortgage-color: #2D5FAA;
    --invest-color: #1B6B4A;
    --mortgage-light: #EBF0F8;
    --invest-light: #E8F5EE;
}

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

/* --- Body --- */
body {
    font-family: 'Outfit', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.8;
    font-size: 17px;
    -webkit-font-smoothing: antialiased;
}

/* ==================================
   NAVIGATION
   ================================== */
nav {
    position: fixed;
    top: 0;
    width: 100%;
    background: rgba(250,250,247,0.92);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border);
    z-index: 100;
    padding: 0 24px;
}
.nav-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}
.logo {
    font-family: 'DM Serif Display', serif;
    font-size: 24px;
    color: var(--accent);
    text-decoration: none;
}
.logo span { color: var(--gold); }
.nav-links { display: flex; gap: 32px; list-style: none; }
.nav-links a {
    text-decoration: none;
    color: var(--text-muted);
    font-weight: 500;
    font-size: 15px;
    transition: color 0.2s;
}
.nav-links a:hover { color: var(--accent); }
.back-link {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 15px;
    font-weight: 500;
}
.back-link:hover { color: var(--accent); }

/* Hamburger button — hidden on desktop, shown on mobile */
.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 101;
    -webkit-tap-highlight-color: transparent;
}
.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--text);
    border-radius: 2px;
    transition: transform 0.3s, opacity 0.3s;
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav overlay + drawer */
.mobile-nav-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.4);
    z-index: 199;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s, visibility 0.3s;
}
.mobile-nav-overlay.open { opacity: 1; visibility: visible; }

.mobile-nav {
    position: fixed;
    top: 0;
    right: 0;
    width: 300px;
    max-width: 85vw;
    height: 100%;
    background: var(--bg);
    z-index: 200;
    transform: translateX(100%);
    transition: transform 0.3s ease;
    overflow-y: auto;
    padding: 24px;
    box-shadow: -4px 0 20px rgba(0,0,0,0.1);
}
.mobile-nav.open { transform: translateX(0); }

.mobile-nav-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border);
}
.mobile-nav-close {
    background: none;
    border: none;
    font-size: 28px;
    cursor: pointer;
    color: var(--text-muted);
    padding: 4px 8px;
    line-height: 1;
}
.mobile-nav-close:hover { color: var(--text); }

.mobile-nav-links {
    list-style: none;
    padding: 0;
    margin: 0;
}
.mobile-nav-links li a {
    display: block;
    padding: 10px 0;
    color: var(--text);
    text-decoration: none;
    font-size: 15px;
    font-weight: 400;
    border-bottom: 1px solid var(--border);
    transition: color 0.2s;
}
.mobile-nav-links li a:hover { color: var(--accent); }
.mobile-nav-section {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--text-muted);
    margin-top: 20px;
    margin-bottom: 4px;
}

/* ==================================
   HERO (Home Page)
   ================================== */
.hero {
    padding: 140px 24px 80px;
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
}
.hero-badge {
    display: inline-block;
    background: var(--accent-light);
    color: var(--accent);
    font-size: 13px;
    font-weight: 600;
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 24px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}
.hero h1 {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(36px, 6vw, 60px);
    line-height: 1.15;
    margin-bottom: 20px;
    color: var(--text);
}
.hero h1 em {
    font-style: normal;
    color: var(--accent);
}
.hero p {
    font-size: 19px;
    color: var(--text-muted);
    max-width: 560px;
    margin: 0 auto 36px;
    font-weight: 300;
}
.hero-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent);
    color: white;
    padding: 14px 32px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 600;
    font-size: 15px;
    transition: background 0.2s, transform 0.2s;
}
.hero-cta:hover {
    background: var(--accent-dark);
    transform: translateY(-1px);
}

/* ==================================
   FEATURED STRIP & STATS (Home)
   ================================== */
.featured-strip {
    max-width: 1100px;
    margin: 0 auto 60px;
    padding: 0 24px;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}
.stat-card {
    text-align: center;
    padding: 28px 20px;
    background: var(--card-bg);
    border-radius: var(--radius);
    border: 1px solid var(--border);
}
.stat-card .number {
    font-family: 'DM Serif Display', serif;
    font-size: 32px;
    color: var(--accent);
}
.stat-card .label {
    font-size: 14px;
    color: var(--text-muted);
    margin-top: 4px;
}

/* ==================================
   SECTION HEADERS (Home)
   ================================== */
.section-header {
    max-width: 1100px;
    margin: 0 auto;
    padding: 60px 24px 32px;
}
.section-header h2 {
    font-family: 'DM Serif Display', serif;
    font-size: 32px;
}
.section-header p {
    color: var(--text-muted);
    margin-top: 8px;
}

/* ==================================
   ARTICLE CARDS (Home Grid)
   ================================== */
.articles-grid {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 24px 60px;
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 24px;
}
.article-card {
    background: var(--card-bg);
    border-radius: var(--radius);
    border: 1px solid var(--border);
    overflow: hidden;
    transition: box-shadow 0.3s, transform 0.3s;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
}
.article-card:hover {
    box-shadow: var(--shadow-hover);
    transform: translateY(-3px);
}
.card-img {
    height: 200px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 64px;
    position: relative;
    overflow: hidden;
}
.card-img.green { background: linear-gradient(135deg, #E8F5EE, #D0EBDC); }
.card-img.gold { background: linear-gradient(135deg, #FFF8E7, #FAECC8); }
.card-img.blue { background: linear-gradient(135deg, #E8F0FA, #D0DFEF); }
.card-img.rose { background: linear-gradient(135deg, #FBF0F0, #F5DEDE); }
.card-img.purple { background: linear-gradient(135deg, #F0EBF8, #DDD4EF); }
.card-body {
    padding: 24px;
    flex: 1;
    display: flex;
    flex-direction: column;
}
.card-tag {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--accent);
    margin-bottom: 8px;
}
.card-body h3 {
    font-family: 'DM Serif Display', serif;
    font-size: 22px;
    line-height: 1.3;
    margin-bottom: 10px;
}
.card-body p {
    color: var(--text-muted);
    font-size: 15px;
    line-height: 1.6;
    flex: 1;
}
.card-meta {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid var(--border);
    font-size: 13px;
    color: var(--text-muted);
}

/* ==================================
   ARTICLE LAYOUT (Article Pages)
   ================================== */
.article-header {
    max-width: 720px;
    margin: 0 auto;
    padding: 120px 24px 40px;
    text-align: center;
}
.article-tag {
    display: inline-block;
    background: var(--accent-light);
    color: var(--accent);
    font-size: 12px;
    font-weight: 600;
    padding: 5px 14px;
    border-radius: 50px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 16px;
}
.article-header h1 {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(28px, 5vw, 44px);
    line-height: 1.2;
    margin-bottom: 16px;
}
.article-header .subtitle {
    font-size: 19px;
    color: var(--text-muted);
    font-weight: 300;
}
.article-meta {
    margin-top: 20px;
    font-size: 14px;
    color: var(--text-muted);
}
.affiliate-note {
    font-size: 13px;
    color: var(--text-muted);
    background: var(--gold-light);
    padding: 12px 20px;
    border-radius: 8px;
    max-width: 720px;
    margin: 0 auto 10px;
    text-align: center;
}
.affiliate-note a { color: var(--gold); }
.article-body {
    max-width: 720px;
    margin: 0 auto;
    padding: 0 24px 80px;
}
.article-body h2 {
    font-family: 'DM Serif Display', serif;
    font-size: 28px;
    margin: 48px 0 16px;
}
.article-body h3 {
    font-size: 20px;
    font-weight: 600;
    margin: 32px 0 12px;
}
.article-body p {
    margin-bottom: 18px;
    color: var(--text);
}
.article-body a {
    color: var(--accent);
    text-decoration: underline;
    text-underline-offset: 2px;
}

/* ==================================
   PAGE LAYOUT (Legal / Info Pages)
   ================================== */
.page-header {
    max-width: 720px;
    margin: 0 auto;
    padding: 120px 24px 40px;
}
.page-header h1 {
    font-family: 'DM Serif Display', serif;
    font-size: 36px;
    margin-bottom: 8px;
}
.page-header .subtitle {
    font-size: 19px;
    color: var(--text-muted);
    font-weight: 300;
}
.page-header .updated {
    font-size: 14px;
    color: var(--text-muted);
}
.page-body {
    max-width: 720px;
    margin: 0 auto;
    padding: 0 24px 80px;
}
.page-body h2 {
    font-family: 'DM Serif Display', serif;
    font-size: 24px;
    margin: 36px 0 12px;
}
.page-body p {
    margin-bottom: 16px;
}

/* ==================================
   DISCLOSURE BANNER
   ================================== */
.disclosure {
    background: var(--gold-light);
    border: 1px solid #E8D9A0;
    border-radius: 8px;
    padding: 12px 20px;
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 32px;
}

/* ==================================
   TABLE OF CONTENTS
   ================================== */
.toc {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px 32px;
    margin: 0 0 40px;
}
.toc h2 {
    font-size: 18px;
    margin: 0 0 16px;
    font-family: 'DM Serif Display', serif;
}
.toc h4 {
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--text-muted);
    margin-bottom: 12px;
}
.toc ol { padding-left: 20px; }
.toc li { padding: 4px 0; }
.toc a {
    color: var(--accent);
    text-decoration: none;
    font-size: 15px;
}
.toc a:hover { text-decoration: underline; }

/* ==================================
   PRODUCT CARDS
   ================================== */
.product-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    margin: 32px 0;
    position: relative;
    overflow: hidden;
}
.product-card .product-name {
    font-family: 'DM Serif Display', serif;
    font-size: 24px;
    color: var(--accent);
    margin-bottom: 4px;
}
.product-card .product-tagline {
    color: var(--text-muted);
    font-size: 15px;
    margin-bottom: 16px;
}
.product-card .rating {
    color: var(--gold);
    font-size: 18px;
    margin-bottom: 12px;
}
.product-card .price-tag {
    display: inline-block;
    background: var(--accent-light);
    color: var(--accent);
    padding: 4px 12px;
    border-radius: 6px;
    font-weight: 600;
    font-size: 14px;
    margin-bottom: 16px;
}
.product-card .product-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-bottom: 16px;
}
.product-card .feature {
    font-size: 14px;
    padding-left: 20px;
    position: relative;
}
.product-card .feature::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--accent);
    font-weight: 700;
}
.product-card .product-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent);
    color: white;
    text-decoration: none;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 600;
    transition: all 0.2s;
}
.product-card .product-cta:hover {
    background: var(--accent-dark);
    transform: translateY(-1px);
}

/* ==================================
   BANK CARDS (HYSA)
   ================================== */
.bank-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    margin: 32px 0;
    position: relative;
    overflow: hidden;
}
.bank-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--accent), var(--gold));
}
.bank-name {
    font-family: 'DM Serif Display', serif;
    font-size: 24px;
    color: var(--accent);
}
.apy-badge {
    display: inline-block;
    background: var(--accent);
    color: white;
    padding: 6px 16px;
    border-radius: 8px;
    font-weight: 700;
    font-size: 20px;
    margin: 12px 0;
}
.bank-details {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 16px 0;
}
.bank-detail {
    text-align: center;
    padding: 12px;
    background: var(--bg);
    border-radius: 8px;
}
.bank-detail .label {
    font-size: 12px;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.3px;
}
.bank-detail .value {
    font-weight: 600;
    font-size: 16px;
    margin-top: 4px;
}

/* ==================================
   PROS / CONS GRID
   ================================== */
.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 16px 0;
}
.pros-cons div { font-size: 15px; }
.pros-cons .label {
    font-weight: 600;
    margin-bottom: 6px;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.3px;
}
.pros .label { color: var(--accent); }
.cons .label { color: #B85C4D; }
.pros-cons ul { list-style: none; padding: 0; }
.pros-cons li { padding: 3px 0; }
.pros li::before { content: "✓ "; color: var(--accent); font-weight: 600; }
.cons li::before { content: "✗ "; color: #B85C4D; font-weight: 600; }

/* ==================================
   CTA BUTTONS
   ================================== */
.cta-button {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--accent);
    color: white;
    padding: 12px 28px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 600;
    font-size: 15px;
    transition: background 0.2s;
    margin-top: 8px;
}
.cta-button:hover { background: var(--accent-dark); }

/* ==================================
   CALLOUT BOXES
   ================================== */
.callout {
    background: var(--accent-light);
    border-left: 4px solid var(--accent);
    padding: 20px 24px;
    border-radius: 0 8px 8px 0;
    margin: 24px 0;
}
.callout strong { color: var(--accent); }
.callout.warning {
    background: var(--gold-light);
    border-left-color: var(--gold);
}
.callout.warning strong { color: #9A7B2E; }
.callout.gold {
    background: var(--gold-light);
    border-color: var(--gold);
}
.callout.gold strong { color: #8B7332; }

/* ==================================
   INTERNAL LINK CARDS
   ================================== */
.internal-link {
    display: block;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin: 24px 0;
    text-decoration: none;
    color: inherit;
    transition: box-shadow 0.2s;
}
.internal-link:hover { box-shadow: 0 4px 20px rgba(0,0,0,0.08); }
.internal-link .link-label {
    font-size: 12px;
    color: var(--accent);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.internal-link .link-title {
    font-family: 'DM Serif Display', serif;
    font-size: 18px;
    margin-top: 4px;
}

/* ==================================
   COMPARISON TABLES
   ================================== */
.comparison-table {
    width: 100%;
    border-collapse: collapse;
    margin: 32px 0;
    font-size: 15px;
}
.comparison-table th,
.comparison-table td {
    padding: 12px 16px;
    text-align: left;
    border-bottom: 1px solid var(--border);
}
.comparison-table th {
    background: var(--accent-light);
    color: var(--accent);
    font-weight: 600;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.3px;
}
.comparison-table tr:hover { background: var(--accent-light); }

/* ==================================
   EXAMPLE BOXES
   ================================== */
.example-box {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 28px 32px;
    margin: 32px 0;
}
.example-box h4 {
    font-family: 'DM Serif Display', serif;
    font-size: 20px;
    margin-bottom: 16px;
}
.example-row {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
}
.example-row:last-child { border-bottom: none; }
.example-row .amount { font-weight: 600; }
.example-row.total {
    font-weight: 700;
    color: var(--accent);
    font-size: 16px;
    border-top: 2px solid var(--accent);
    border-bottom: none;
    padding-top: 14px;
    margin-top: 4px;
}
.example-row.header {
    font-weight: 600;
    font-size: 13px;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.3px;
    border-bottom: 2px solid var(--border);
}
.example-row .highlight { font-weight: 600; }

/* ==================================
   BUDGET VISUAL (50/30/20)
   ================================== */
.budget-visual {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 32px 0;
}
.budget-block {
    padding: 28px 20px;
    border-radius: var(--radius);
    text-align: center;
    border: 1px solid var(--border);
}
.budget-block.needs { background: #E8F0FA; border-color: #C5D8F0; }
.budget-block.wants { background: #F0EBF8; border-color: #D8CEF0; }
.budget-block.savings { background: var(--accent-light); border-color: #C0E0D0; }
.budget-block .percent {
    font-family: 'DM Serif Display', serif;
    font-size: 42px;
    line-height: 1;
}
.budget-block.needs .percent { color: #2D5FAA; }
.budget-block.wants .percent { color: #7B4FA0; }
.budget-block.savings .percent { color: var(--accent); }
.budget-block .cat-label { font-weight: 600; font-size: 18px; margin: 8px 0 4px; }
.budget-block .cat-desc { font-size: 14px; color: var(--text-muted); }

/* ==================================
   MILESTONES (Emergency Fund)
   ================================== */
.milestone {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px 28px;
    margin: 24px 0;
    position: relative;
    padding-left: 80px;
}
.milestone-num {
    position: absolute;
    left: 24px;
    top: 24px;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--accent);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 18px;
}
.milestone h3 { font-size: 19px; font-weight: 600; margin-bottom: 4px; }
.milestone .target { color: var(--accent); font-weight: 600; font-size: 15px; margin-bottom: 8px; }
.milestone p { margin-bottom: 0; font-size: 15px; color: var(--text-muted); }

/* ==================================
   TIP GRID (Emergency Fund)
   ================================== */
.tip-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin: 24px 0;
}
.tip-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px;
}
.tip-card .emoji { font-size: 28px; margin-bottom: 8px; }
.tip-card h4 { font-size: 16px; margin-bottom: 6px; }
.tip-card p { font-size: 14px; color: var(--text-muted); margin: 0; line-height: 1.5; }

/* ==================================
   METHOD COMPARE (Debt Payoff)
   ================================== */
.method-compare {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 32px 0;
}
.method-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 28px;
    position: relative;
    overflow: hidden;
}
.method-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
}
.method-card.snowball::before { background: #2D5FAA; }
.method-card.avalanche::before { background: #B85C4D; }
.method-card .emoji { font-size: 36px; margin-bottom: 12px; }
.method-card h3 {
    font-family: 'DM Serif Display', serif;
    font-size: 22px;
    margin-bottom: 4px;
    margin-top: 0;
}
.method-card .tagline { color: var(--text-muted); font-size: 15px; margin-bottom: 16px; }
.method-card .how { font-size: 15px; line-height: 1.6; }
.method-card .verdict {
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid var(--border);
    font-weight: 600;
    font-size: 14px;
}
.method-card.snowball .verdict { color: #2D5FAA; }
.method-card.avalanche .verdict { color: #B85C4D; }

/* ==================================
   DEBT ROWS
   ================================== */
.debt-row {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 8px;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
}
.debt-row.header {
    font-weight: 600;
    font-size: 13px;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.3px;
    border-bottom: 2px solid var(--border);
}
.debt-row:last-child { border-bottom: none; }

/* ==================================
   RESULT BOXES (Debt Payoff)
   ================================== */
.result-box {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 24px 0;
}
.result-card {
    text-align: center;
    padding: 24px;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
}
.result-card .method-name {
    font-weight: 600;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 0.3px;
    margin-bottom: 8px;
}
.result-card.snowball .method-name { color: #2D5FAA; }
.result-card.avalanche .method-name { color: #B85C4D; }
.result-card .big-num {
    font-family: 'DM Serif Display', serif;
    font-size: 32px;
}
.result-card .detail {
    font-size: 14px;
    color: var(--text-muted);
    margin-top: 4px;
}

/* ==================================
   STEP LIST (Debt Payoff)
   ================================== */
.step-list { counter-reset: step; margin: 24px 0; }
.step-item {
    counter-increment: step;
    position: relative;
    padding: 20px 24px 20px 72px;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 12px;
}
.step-item::before {
    content: counter(step);
    position: absolute;
    left: 20px;
    top: 20px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--accent);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 16px;
}
.step-item h4 { font-size: 17px; margin-bottom: 4px; }
.step-item p { font-size: 15px; color: var(--text-muted); margin: 0; }

/* ==================================
   VS GRID & CARDS (Mortgage Article)
   ================================== */
.vs-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 32px 0;
}
.vs-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 28px;
    position: relative;
    overflow: hidden;
}
.vs-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
}
.vs-card.mortgage::before { background: var(--mortgage-color); }
.vs-card.invest::before { background: var(--invest-color); }
.vs-card .card-icon { font-size: 36px; margin-bottom: 12px; }
.vs-card h3 {
    font-family: 'DM Serif Display', serif;
    font-size: 22px;
    margin: 0 0 12px;
}
.vs-card.mortgage h3 { color: var(--mortgage-color); }
.vs-card.invest h3 { color: var(--invest-color); }
.vs-card .pro-list { list-style: none; padding: 0; }
.vs-card .pro-list li {
    padding: 6px 0;
    font-size: 15px;
    padding-left: 24px;
    position: relative;
}
.vs-card .pro-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    font-weight: 700;
}
.vs-card.mortgage .pro-list li::before { color: var(--mortgage-color); }
.vs-card.invest .pro-list li::before { color: var(--invest-color); }

/* ==================================
   SCENARIO CARDS (Mortgage Article)
   ================================== */
.scenario-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 16px;
    margin: 24px 0;
}
.scenario-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    text-align: center;
}
.scenario-card .persona { font-size: 32px; margin-bottom: 8px; }
.scenario-card h4 {
    font-family: 'DM Serif Display', serif;
    font-size: 18px;
    margin-bottom: 4px;
}
.scenario-card .desc { font-size: 14px; color: var(--text-muted); margin-bottom: 12px; }
.scenario-card .verdict {
    font-weight: 600;
    font-size: 14px;
    padding: 8px;
    border-radius: 6px;
}
.scenario-card .verdict.mortgage { background: #EBF0F8; color: var(--mortgage-color); }
.scenario-card .verdict.invest { background: var(--accent-light); color: var(--invest-color); }
.scenario-card .verdict.both { background: var(--gold-light); color: #8B7332; }

/* ==================================
   CHECKLIST (Mortgage Article)
   ================================== */
.checklist {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 28px 32px;
    margin: 32px 0;
}
.checklist h4 {
    font-family: 'DM Serif Display', serif;
    font-size: 20px;
    margin-bottom: 16px;
}
.checklist-item {
    display: flex;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
    align-items: flex-start;
}
.checklist-item:last-child { border-bottom: none; }
.check-icon {
    width: 24px;
    height: 24px;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 13px;
    margin-top: 2px;
}
.check-icon.mortgage { background: #EBF0F8; color: var(--mortgage-color); }
.check-icon.invest { background: var(--accent-light); color: var(--invest-color); }

/* ==================================
   TOOL CTA (Mortgage Article)
   ================================== */
.tool-cta {
    background: linear-gradient(135deg, var(--accent-dark), var(--accent));
    border-radius: var(--radius);
    padding: 40px;
    text-align: center;
    color: white;
    margin: 40px 0;
}
.tool-cta h3 {
    font-family: 'DM Serif Display', serif;
    font-size: 26px;
    margin-bottom: 10px;
}
.tool-cta p { opacity: 0.9; margin-bottom: 20px; }
.tool-cta a {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--gold);
    color: var(--text);
    text-decoration: none;
    padding: 14px 28px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 16px;
    transition: all 0.2s;
}
.tool-cta a:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.2);
}

/* ==================================
   DISCLAIMER (Mortgage Article)
   ================================== */
.disclaimer {
    background: var(--gold-light);
    border: 1px solid #efe0b5;
    border-radius: var(--radius);
    padding: 20px 24px;
    font-size: 13px;
    color: var(--text-muted);
    line-height: 1.6;
    margin-top: 40px;
}
.disclaimer strong { color: var(--text); }

/* ==================================
   AUTHOR CARD (About)
   ================================== */
.author-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 40px;
    margin: 32px 0;
    text-align: center;
}
.author-avatar {
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: var(--accent);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'DM Serif Display', serif;
    font-size: 42px;
    margin: 0 auto 16px;
}
.author-name {
    font-family: 'DM Serif Display', serif;
    font-size: 24px;
    margin-bottom: 4px;
}
.author-role { color: var(--text-muted); font-size: 15px; margin-bottom: 16px; }

/* ==================================
   VALUES GRID (About)
   ================================== */
.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin: 32px 0;
}
.value-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    text-align: center;
}
.value-card .emoji { font-size: 32px; margin-bottom: 10px; }
.value-card h3 { font-size: 17px; margin-bottom: 6px; }
.value-card p { font-size: 14px; color: var(--text-muted); margin: 0; line-height: 1.5; }

/* ==================================
   CONTACT CARDS
   ================================== */
.contact-cards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 32px 0;
}
.contact-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    text-align: center;
}
.contact-card .emoji { font-size: 36px; margin-bottom: 12px; }
.contact-card h3 { font-size: 18px; margin-bottom: 8px; }
.contact-card p { font-size: 15px; color: var(--text-muted); margin: 0; }
.contact-card a { color: var(--accent); text-decoration: none; font-weight: 600; }
.contact-card a:hover { text-decoration: underline; }

/* ==================================
   HIGHLIGHT BOX (Terms / Affiliate)
   ================================== */
.highlight-box {
    border-radius: var(--radius);
    padding: 24px 28px;
    margin: 24px 0;
}
.highlight-box strong { color: var(--accent); }

/* ==================================
   NEWSLETTER (Home)
   ================================== */
.newsletter {
    max-width: 600px;
    margin: 40px auto 80px;
    padding: 48px 40px;
    background: var(--accent);
    border-radius: 20px;
    text-align: center;
    color: white;
    margin-left: 24px;
    margin-right: 24px;
    max-width: calc(100% - 48px);
}
.newsletter h2 {
    font-family: 'DM Serif Display', serif;
    font-size: 28px;
    margin-bottom: 8px;
}
.newsletter p {
    opacity: 0.85;
    margin-bottom: 24px;
    font-size: 15px;
}
.newsletter-form {
    display: flex;
    gap: 10px;
    max-width: 420px;
    margin: 0 auto;
}
.newsletter-form input {
    flex: 1;
    padding: 14px 18px;
    border: none;
    border-radius: 50px;
    font-size: 15px;
    font-family: 'Outfit', sans-serif;
    outline: none;
}
.newsletter-form button {
    padding: 14px 24px;
    background: var(--gold);
    color: white;
    border: none;
    border-radius: 50px;
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    font-family: 'Outfit', sans-serif;
    transition: background 0.2s;
    white-space: nowrap;
}
.newsletter-form button:hover { background: #b8963e; }

/* ==================================
   FOOTER
   ================================== */
footer {
    max-width: 720px;
    margin: 0 auto;
    padding: 40px 24px;
    border-top: 1px solid var(--border);
    font-size: 14px;
    color: var(--text-muted);
    text-align: center;
}
footer a { color: var(--accent); text-decoration: none; }
.footer-links {
    display: flex;
    justify-content: center;
    gap: 24px;
    margin-top: 12px;
    flex-wrap: wrap;
}
.footer-links a {
    color: var(--text-muted);
    text-decoration: none;
    font-size: 14px;
}
.footer-links a:hover { color: var(--accent); }

/* ==================================
   RESPONSIVE
   ================================== */
@media (min-width: 700px) {
    .newsletter { max-width: 600px; margin-left: auto; margin-right: auto; }
}

@media (max-width: 768px) {
    .featured-strip { grid-template-columns: 1fr; }
    .articles-grid { grid-template-columns: 1fr; }
    .nav-links { display: none; }
    .hamburger { display: flex; }
    .newsletter-form { flex-direction: column; }
    .vs-grid { grid-template-columns: 1fr; }
    .scenario-grid { grid-template-columns: 1fr; }
    .product-card .product-features { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
    .pros-cons { grid-template-columns: 1fr; }
    .comparison-table { font-size: 13px; }
    .comparison-table th,
    .comparison-table td { padding: 8px 10px; }
    .bank-details { grid-template-columns: 1fr; }
    .budget-visual { grid-template-columns: 1fr; }
    .tip-grid { grid-template-columns: 1fr; }
    .milestone { padding-left: 28px; padding-top: 72px; }
    .milestone-num { top: 20px; }
    .method-compare { grid-template-columns: 1fr; }
    .result-box { grid-template-columns: 1fr; }
    .debt-row { grid-template-columns: 1fr 1fr; gap: 4px; font-size: 14px; }
    .values-grid { grid-template-columns: 1fr; }
    .contact-cards { grid-template-columns: 1fr; }
}