/* ============================================
   MyCardRates.com — css/style.css
   Single external stylesheet — replaces all
   per-page inline <style> blocks.
   Built 13 July 2026 during architecture rebuild.
   ============================================ */

/* ── ROOT VARIABLES (locked — see Component Library) ── */
:root {
  --navy:       #0f2557;
  --navy-mid:   #1a3a6b;
  --navy-light: #e8eef7;
  --gold:       #c9a84c;
  --gold-dark:  #a07c28;
  --gold-light: #f5ecd4;
  --bg:         #f9f8f6;
  --bg2:        #f2f1ee;
  --text:       #1a1a2e;
  --text-muted: #5f5e5a;
  --white:      #ffffff;
  --border:     rgba(0,0,0,0.10);
  --green:      #2d7a4f;
  --green-light:#e6f4ec;
  --red:        #c0392b;
  --red-light:  #fdecea;
  --radius:     10px;
  --shadow:     0 4px 24px rgba(15,37,87,0.10);
}

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

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }

/* ============================================
   SITEWIDE SHARED COMPONENTS
   (used on every page — see Component Library)
   ============================================ */

/* ── TOP BAR ── */
.top-bar {
  background: var(--navy);
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 64px;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.18);
}
.logo {
  font-family: 'DM Serif Display', serif;
  font-size: 1.35rem;
  color: var(--white);
  white-space: nowrap;
}
.logo span { color: var(--gold); }
.top-nav { display: flex; gap: 2rem; align-items: center; }
.top-nav a {
  color: rgba(255,255,255,0.85);
  font-size: 0.92rem;
  font-weight: 500;
  transition: color 0.2s;
}
.top-nav a:hover { color: var(--gold); }
.top-cta {
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 700 !important;
  padding: 0.55rem 1.25rem;
  border-radius: 6px;
  transition: background 0.2s !important;
  white-space: nowrap;
}
.top-cta:hover { background: var(--gold-dark) !important; color: var(--white) !important; }

/* ── SECONDARY NAV ── */
.sec-nav {
  background: var(--white);
  border-bottom: 2px solid var(--navy-light);
  padding: 0 2rem;
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
}
.sec-nav::-webkit-scrollbar { display: none; }
.sec-nav a {
  padding: 0.85rem 1.1rem;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-muted);
  white-space: nowrap;
  border-bottom: 3px solid transparent;
  transition: color 0.2s, border-color 0.2s;
  margin-bottom: -2px;
}
.sec-nav a:hover { color: var(--navy); border-bottom-color: var(--gold); }
.sec-nav a.active { color: var(--navy); border-bottom-color: var(--gold); font-weight: 700; }

/* ── PAGE HERO (inner pages — breadcrumb + H1 + intro, no date) ── */
.page-hero { background: var(--navy); padding: 3.5rem 2rem 3rem; position: relative; overflow: hidden; }
.page-hero::before { content:''; position:absolute; inset:0; background: radial-gradient(ellipse at 60% 0%, rgba(201,168,76,0.12) 0%, transparent 65%); pointer-events:none; }
.post-hero-inner { max-width: 820px; margin: 0 auto; text-align: center; position: relative; }
.breadcrumb { display:flex; align-items:center; justify-content:center; gap:0.5rem; font-size:0.8rem; color:rgba(255,255,255,0.55); margin-bottom:1rem; }
.breadcrumb a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb i { font-size: 0.75rem; }
.page-hero h1 { font-family:'DM Serif Display',serif; font-size:clamp(1.75rem,4vw,2.5rem); color:var(--white); line-height:1.2; margin-bottom:1rem; text-align:center; }
.page-hero h1 .accent { color: var(--gold); }
.post-meta-bar { display:flex; flex-wrap:wrap; gap:1.25rem; align-items:center; justify-content:center; margin-top:1.25rem; }
.post-meta-bar span { font-size:0.83rem; color:rgba(255,255,255,0.65); display:flex; align-items:center; gap:0.35rem; }
.post-meta-bar i { color: var(--gold); }
.hero-intro { font-size:1.05rem; color:rgba(255,255,255,0.75); max-width:620px; margin:1.25rem auto 0; line-height:1.7; text-align:center; }

/* ── PAGE BADGE (small eyebrow pill inside .page-hero, e.g. "About This Site") ── */
.page-badge { display:inline-block; background:rgba(201,168,76,0.15); color:var(--gold); font-size:12px; padding:5px 16px; border-radius:20px; border:0.5px solid rgba(201,168,76,0.35); margin-bottom:1.25rem; letter-spacing:0.5px; }

/* ── CONTENT LAYOUT (2-col: content + sidebar) ── */
.content-wrap { max-width:1100px; margin:0 auto; padding:3rem 2rem; display:grid; grid-template-columns:1fr 300px; gap:2.5rem; align-items:start; }
@media(max-width:900px){ .content-wrap { grid-template-columns:1fr; } }
.main-content { min-width: 0; }
#glossary-main { min-width: 0; }
.calc-page-wrap > main { min-width: 0; }

/* ── FAQ ACCORDION ── */
.faq-section { margin: 3rem 0; }
.faq-section h2 { font-family:'DM Serif Display',serif; font-size:1.45rem; color:var(--navy); margin-bottom:1.25rem; }
.faq-item { border:1.5px solid var(--navy-light); border-radius:var(--radius); margin-bottom:0.75rem; overflow:hidden; }
.faq-q { width:100%; background:var(--white); border:none; padding:1.1rem 1.25rem; text-align:left; font-family:'DM Sans',sans-serif; font-size:0.97rem; font-weight:600; color:var(--navy); cursor:pointer; display:flex; justify-content:space-between; align-items:center; gap:1rem; transition:background 0.2s; }
.faq-q:hover { background: var(--navy-light); }
.faq-q i { color: var(--gold); flex-shrink: 0; transition: transform 0.25s; }
.faq-q[aria-expanded="true"] i { transform: rotate(180deg); }
.faq-a { display:none; padding:0 1.25rem 1.1rem; font-size:0.93rem; color:var(--text-muted); line-height:1.75; }
.faq-a.open { display: block; }

/* ── AUTHOR BIO ── */
.author-bio { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.5rem; margin:3rem 0 1rem; display:flex; gap:1.25rem; align-items:flex-start; }
.author-avatar { width:52px; height:52px; 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-bio-text { flex: 1; }
.author-bio-text strong { display:block; font-size:0.95rem; color:var(--navy); margin-bottom:0.2rem; }
.author-bio-text span { font-size:0.82rem; color:var(--gold-dark); font-weight:600; display:block; margin-bottom:0.5rem; }
.author-bio-text p { font-size:0.88rem; color:var(--text-muted); line-height:1.65; margin:0; }

/* ── DISCLAIMER BANNER ── */
.disclaimer-bar {
  background: var(--gold-light);
  border-top: 2px solid var(--gold);
  padding: 0.85rem 2rem;
  font-size: 0.8rem;
  color: var(--text-muted);
  text-align: center;
  line-height: 1.5;
}

/* ── SECTION SHARED (used on homepage + guide pages) ── */
.section { padding: 4rem 2rem; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-dark);
  margin-bottom: 0.6rem;
}
.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.section-sub {
  font-size: 1rem;
  color: var(--text-muted);
  max-width: 560px;
  margin-bottom: 2.5rem;
}

/* ── FOOTER ── */
footer {
  background: var(--text);
  color: rgba(255,255,255,0.65);
  padding: 3rem 2rem 1.5rem;
}
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
@media(max-width:700px){ .footer-top { grid-template-columns: 1fr; } }
.footer-brand .logo { font-size: 1.15rem; display: block; margin-bottom: 0.75rem; }
.footer-brand p { font-size: 0.85rem; line-height: 1.65; }
.footer-col h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.85rem;
}
.footer-col a {
  display: block;
  font-size: 0.83rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.45rem;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.78rem;
}
.footer-legal { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer-legal a { color: rgba(255,255,255,0.45); transition: color 0.2s; }
.footer-legal a:hover { color: var(--gold); }

/* ============================================
   HOMEPAGE-SPECIFIC (index.html only)
   ============================================ */

/* ── HERO (homepage) ── */
.hero {
  background: var(--navy);
  padding: 4rem 2rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 0%, rgba(201,168,76,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.hero-inner { max-width: 820px; margin: 0 auto; position: relative; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  border: 1.5px solid rgba(201,168,76,0.5);
  border-radius: 999px;
  padding: 0.4rem 1.1rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  margin-bottom: 1.5rem;
  letter-spacing: 0.02em;
}
.hero-badge i { color: var(--gold); font-size: 1rem; }
.hero h1 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 1.25rem;
}
.hero h1 .accent { color: var(--gold); }
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  margin: 0 auto 2.5rem;
  line-height: 1.7;
}

/* ── PAYOFF CALCULATOR (homepage widget) ── */
.calc-wrap {
  background: var(--white);
  border-radius: var(--radius) var(--radius) 0 0;
  box-shadow: var(--shadow);
  max-width: 720px;
  margin: 0 auto;
  overflow: hidden;
}
.calc-tabs { display: grid; grid-template-columns: 1fr 1fr; border-bottom: 2px solid var(--navy-light); }
.calc-tab {
  padding: 1rem;
  text-align: center;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--text-muted);
  background: var(--navy-light);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  transition: background 0.2s, color 0.2s;
}
.calc-tab i { font-size: 1.1rem; }
.calc-tab.active {
  background: var(--white);
  color: var(--navy);
  border-bottom: 3px solid var(--gold);
  margin-bottom: -2px;
}
.calc-body { padding: 1.75rem; }
.calc-panel { display: none; }
.calc-panel.active { display: block; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.25rem; }
@media(max-width:560px){ .calc-grid { grid-template-columns: 1fr; } }
.field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.input-wrap { position: relative; display: flex; align-items: center; }
.input-prefix { position: absolute; left: 0.75rem; color: var(--text-muted); font-weight: 600; font-size: 0.95rem; pointer-events: none; }
.input-suffix { position: absolute; right: 0.75rem; color: var(--text-muted); font-weight: 600; font-size: 0.95rem; pointer-events: none; }
.field input {
  width: 100%;
  padding: 0.7rem 2rem 0.7rem 1.75rem;
  border: 1.5px solid var(--navy-light);
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  color: var(--text);
  background: var(--bg);
  transition: border-color 0.2s;
}
.field input:focus { outline: none; border-color: var(--gold); }
.calc-btn {
  width: 100%;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 6px;
  padding: 0.85rem;
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
}
.calc-btn:hover { background: var(--navy-mid); }
.calc-result { display: none; margin-top: 1.25rem; background: var(--navy-light); border-radius: 8px; padding: 1.25rem; }
.calc-result.show { display: block; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media(max-width:480px){ .result-grid { grid-template-columns: 1fr; } }
.result-item { text-align: center; }
.result-label { font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-muted); margin-bottom: 0.3rem; }
.result-value { font-family: 'DM Serif Display', serif; font-size: 1.6rem; color: var(--navy); }
.result-value.highlight { color: var(--gold-dark); }
.result-note { margin-top: 0.85rem; font-size: 0.82rem; color: var(--text-muted); text-align: center; border-top: 1px solid rgba(15,37,87,0.1); padding-top: 0.75rem; }

/* ── PILLAR GRID (homepage core-guides section) ── */
.pillar-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.25rem; }
.pillar-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1.5px solid var(--navy-light);
  padding: 1.5rem;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  transition: box-shadow 0.2s, border-color 0.2s, transform 0.2s;
}
.pillar-card:hover { box-shadow: var(--shadow); border-color: var(--gold); transform: translateY(-2px); }
.pillar-icon { width: 48px; height: 48px; border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 1.4rem; }
.ic-blue   { background: var(--navy-light); color: var(--navy); }
.ic-gold   { background: var(--gold-light); color: var(--gold-dark); }
.ic-green  { background: #e6f4ec; color: #2d7a4f; }
.ic-red    { background: #fdecea; color: #c0392b; }
.ic-teal   { background: #e4f4f4; color: #1a7a7a; }
.ic-purple { background: #f0eaf8; color: #6b3fa0; }
.pillar-content h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--navy); margin-bottom:0.35rem; }
.pillar-content p { font-size:0.88rem; color:var(--text-muted); line-height:1.55; margin-bottom:0.6rem; }
.pillar-link { font-size:0.83rem; font-weight:700; color:var(--gold-dark); display:flex; align-items:center; gap:0.3rem; transition:gap 0.2s; }
.pillar-card:hover .pillar-link { gap: 0.55rem; }

/* ── TRUST STRIP (homepage) ── */
.trust-strip { background: var(--navy); padding: 2.5rem 2rem; }
.trust-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 2rem; text-align: center; }
.trust-item i { font-size: 1.8rem; color: var(--gold); margin-bottom: 0.5rem; display: block; }
.trust-item strong { display: block; color: var(--white); font-size: 0.95rem; font-weight: 700; margin-bottom: 0.2rem; }
.trust-item span { font-size: 0.82rem; color: rgba(255,255,255,0.6); }

/* ── BLOG PREVIEW CARDS (homepage) ── */
.blog-section { background: var(--white); }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.25rem; margin-bottom: 2rem; }
.blog-card { border: 1.5px solid var(--navy-light); border-radius: var(--radius); overflow: hidden; transition: box-shadow 0.2s, transform 0.2s; display: flex; flex-direction: column; }
.blog-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.blog-thumb { height: 80px; display: flex; align-items: center; justify-content: center; font-size: 2rem; }
.bt1 { background: var(--navy-light); color: var(--navy); }
.bt2 { background: var(--gold-light); color: var(--gold-dark); }
.bt3 { background: #e6f4ec; color: #2d7a4f; }
.bt4 { background: #fdecea; color: #c0392b; }
.blog-body { padding: 1.1rem; flex: 1; display: flex; flex-direction: column; }
.blog-meta { display: flex; gap: 0.75rem; align-items: center; margin-bottom: 0.5rem; flex-wrap: wrap; }
.blog-cat {
  font-size: 0.73rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gold-dark);
  background: var(--gold-light);
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
}
.blog-date, .blog-read { font-size: 0.78rem; color: var(--text-muted); display: flex; align-items: center; gap: 0.25rem; }
.blog-body h3 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.4rem; line-height:1.35; }
.blog-body p { font-size: 0.85rem; color: var(--text-muted); flex: 1; margin-bottom: 0.75rem; }
.blog-link { font-size: 0.83rem; font-weight: 700; color: var(--gold-dark); display: flex; align-items: center; gap: 0.3rem; }
.view-all-wrap { text-align: center; }
.view-all-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--navy);
  color: var(--white);
  padding: 0.8rem 2rem;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.95rem;
  transition: background 0.2s;
}
.view-all-btn:hover { background: var(--navy-mid); }

/* ── CALCULATOR CTA STRIP (homepage) ── */
.calc-cta { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); padding: 3.5rem 2rem; text-align: center; }
.calc-cta h2 { font-family:'DM Serif Display',serif; font-size:clamp(1.4rem,3vw,1.9rem); color:var(--white); margin-bottom:0.75rem; }
.calc-cta p { color: rgba(255,255,255,0.7); font-size: 0.97rem; margin-bottom: 1.5rem; }
.calc-cta a {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  padding: 0.85rem 2rem;
  border-radius: 6px;
  font-size: 0.97rem;
  transition: background 0.2s;
}
.calc-cta a:hover { background: var(--gold-dark); color: var(--white); }

/* ── RESPONSIVE ── */
@media(max-width:768px){
  .top-nav { display: none; }
  .hero { padding: 2.5rem 1.25rem 0; }
  .page-hero { padding: 2.5rem 1.25rem 2.5rem; }
  .section { padding: 2.5rem 1.25rem; }
}

/* ============================================
   ABOUT PAGE — SPECIFIC
   Section/heading classes are prefixed "about-"
   because About uses a narrower 900px single-column
   layout, distinct from the shared 1100px .section
   grid system used elsewhere — same names would
   collide and one page would silently break.
   ============================================ */

.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:1.65rem; font-weight:400; color:var(--text); margin-bottom:1.5rem; line-height:1.3; }
.founder-body { font-size:1rem; 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; }

.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:1rem; font-weight:600; color:var(--navy); margin-bottom:0.4rem; }
.insight-inner p { font-size:0.9rem; color:var(--text-muted); line-height:1.75; margin:0; }

.about-section { max-width:900px; margin:0 auto; padding:3.5rem 2rem; }
.about-section-label { font-size:12px; color:var(--gold-dark); font-weight:600; text-transform:uppercase; letter-spacing:0.8px; margin-bottom:0.5rem; }
.about-section-title { font-family:'DM Serif Display',serif; font-size:1.75rem; font-weight:400; color:var(--text); margin-bottom:0.75rem; line-height:1.25; }
.about-section-body { font-size:1rem; color:var(--text-muted); line-height:1.8; max-width:700px; }
hr { border:none; border-top:0.5px solid var(--border); }

.values-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1rem; margin-top:2.5rem; }
@media(max-width:640px){ .values-grid { grid-template-columns:1fr; } }
.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; }

.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 h4 { font-size:15px; font-weight:600; color:var(--text); margin-bottom:2px; }
.research-item p { font-size:13px; color:var(--text-muted); line-height:1.6; margin:0; }

.commitments-box { background:var(--navy); border-radius:var(--radius); padding:2rem; margin-top:2rem; }
.commitments-box h3 { font-family:'DM Serif Display',serif; font-size:1.15rem; color:var(--white); margin-bottom:1.25rem; }
.t-row { display:flex; gap:1rem; align-items:flex-start; padding:0.85rem 0; border-bottom:1px solid rgba(255,255,255,0.1); }
.t-row:last-child { border-bottom:none; padding-bottom:0; }
.t-icon { color:var(--gold); font-size:1.2rem; flex-shrink:0; margin-top:2px; }
.t-text strong { display:block; color:var(--white); font-size:0.9rem; margin-bottom:0.2rem; }
.t-text span { font-size:0.85rem; color:rgba(255,255,255,0.6); line-height:1.5; }

.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-inner { max-width:900px; margin:0 auto; display:flex; gap:1.25rem; align-items:flex-start; }
.disclaimer-inner i { color:var(--navy); font-size:26px; flex-shrink:0; margin-top:2px; }
.disclaimer-inner h3 { font-size:15px; font-weight:600; color:var(--navy); margin-bottom:0.4rem; }
.disclaimer-inner p { font-size:13px; color:var(--text-muted); line-height:1.7; }
.disclaimer-inner a { color:var(--gold-dark); font-weight:600; }

.cta-section { background:var(--gold-light); border-top:0.5px solid rgba(201,168,76,0.3); padding:3rem 2rem; text-align:center; }
.cta-section h2 { font-family:'DM Serif Display',serif; font-size:1.5rem; color:var(--navy); margin-bottom:0.6rem; }
.cta-section p { font-size:0.95rem; color:var(--text-muted); margin-bottom:1.5rem; }
.cta-btns { display:flex; gap:1rem; justify-content:center; flex-wrap:wrap; }
.btn-primary { display:inline-flex; align-items:center; gap:0.45rem; background:var(--navy); color:var(--white); font-weight:700; padding:0.75rem 1.5rem; border-radius:6px; font-size:0.92rem; transition:background 0.2s; }
.btn-primary:hover { background:var(--navy-mid); }
.btn-secondary { display:inline-flex; align-items:center; gap:0.45rem; border:2px solid var(--navy); color:var(--navy); font-weight:700; padding:0.7rem 1.5rem; border-radius:6px; font-size:0.92rem; transition:background 0.2s,color 0.2s; }
.btn-secondary:hover { background:var(--navy); color:var(--white); }

/* ============================================
   CONTACT PAGE — SPECIFIC
   Nav/footer/hero/layout all reuse the shared
   .top-bar / .sec-nav / .page-hero / .content-wrap
   components — only the form card and sidebar
   info boxes are unique to this page.
   ============================================ */

.form-card { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius); padding: 2rem; box-shadow: 0 4px 24px rgba(15,37,87,0.07); }
.form-card h2 { font-family: 'DM Serif Display', serif; font-size: 1.35rem; color: var(--navy); margin-bottom: 0.4rem; }
.form-card .form-intro { font-size: 0.95rem; color: var(--text-muted); margin-bottom: 1.8rem; }

.form-group { margin-bottom: 1.3rem; }
.form-group label { display: block; font-size: 0.88rem; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.7rem 0.9rem;
  border: 1.5px solid var(--border);
  border-radius: 7px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--bg);
  transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy-mid);
  box-shadow: 0 0 0 3px rgba(26,58,107,0.1);
  background: var(--white);
}
.form-group select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235f5e5a' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 0.9rem center; padding-right: 2.2rem; cursor: pointer; }
.form-group textarea { resize: vertical; min-height: 130px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media(max-width: 500px) { .form-row { grid-template-columns: 1fr; } }

.submit-btn { width: 100%; padding: 0.85rem; background: var(--navy); color: var(--white); border: none; border-radius: 7px; font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 600; cursor: pointer; transition: background 0.2s; display: flex; align-items: center; justify-content: center; gap: 0.5rem; margin-top: 0.5rem; }
.submit-btn:hover { background: var(--navy-mid); }
.submit-btn i { font-size: 1.1rem; }
.submit-btn:disabled { opacity: 0.7; cursor: not-allowed; }

.success-msg { display: none; text-align: center; padding: 2rem 1rem; }
.success-msg .success-icon { font-size: 3rem; color: #27a560; margin-bottom: 1rem; }
.success-msg h3 { font-family: 'DM Serif Display', serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 0.6rem; }
.success-msg p { color: var(--text-muted); font-size: 0.97rem; }

.sidebar { display: flex; flex-direction: column; gap: 1.5rem; }
.info-box { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius); padding: 1.3rem; }
.info-box h4 { font-family: 'DM Serif Display', serif; font-size: 1rem; color: var(--navy); margin-bottom: 0.85rem; padding-bottom: 0.6rem; border-bottom: 2px solid var(--navy-light); }
.info-item { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 1rem; }
.info-item:last-child { margin-bottom: 0; }
.info-item i { font-size: 1.2rem; color: var(--gold); flex-shrink: 0; margin-top: 0.1rem; }
.info-item .ii-label { font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-muted); margin-bottom: 0.15rem; }
.info-item .ii-value { font-size: 0.92rem; color: var(--navy); font-weight: 500; }
.info-item .ii-note { font-size: 0.82rem; color: var(--text-muted); }

.callout-box { background: var(--gold-light); border: 1px solid var(--gold); border-radius: var(--radius); padding: 1.2rem; }
.callout-box h4 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; }
.callout-box p { font-size: 0.88rem; color: var(--text-muted); margin: 0; line-height: 1.6; }
.callout-box a { color: var(--gold-dark); font-weight: 600; }

/* ============================================
   GUIDE / PILLAR PAGES — SHARED
   Discovered on best-credit-cards/, but generic
   enough to expect reuse on credit-card-rewards/,
   balance-transfer-cards/, credit-cards-for-bad-credit/,
   how-credit-cards-work/, credit-card-interest-explained/.
   Confirm/extend as each of those migrates.
   ============================================ */

/* Category quick-nav pills */
.category-nav { display:grid; grid-template-columns:repeat(auto-fill,minmax(200px,1fr)); gap:0.85rem; margin-bottom:3rem; }
.cat-pill { background:var(--white); border:1.5px solid var(--navy-light); border-radius:8px; padding:0.85rem 1rem; display:flex; align-items:center; gap:0.65rem; font-size:0.88rem; font-weight:600; color:var(--navy); transition:border-color 0.2s,box-shadow 0.2s; }
.cat-pill:hover { border-color:var(--gold); box-shadow:var(--shadow); }
.cat-pill i { font-size:1.1rem; color:var(--gold-dark); }

/* Ranked card picks */
.pick-section { margin-bottom:3rem; }
.pick-section h2 { font-family:'DM Serif Display',serif; font-size:1.5rem; color:var(--navy); margin-bottom:0.4rem; display:flex; align-items:center; gap:0.6rem; }
.pick-section h2 i { color:var(--gold); font-size:1.3rem; }
.pick-intro { font-size:0.95rem; color:var(--text-muted); margin-bottom:1.25rem; border-left:3px solid var(--gold); padding-left:1rem; line-height:1.65; }

.card-pick { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.5rem 1.6rem; margin-bottom:1.25rem; display:flex; gap:1.25rem; align-items:flex-start; transition:box-shadow 0.2s,border-color 0.2s; }
.card-pick:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.pick-rank { width:36px; height:36px; border-radius:50%; background:var(--navy); color:var(--white); display:flex; align-items:center; justify-content:center; font-family:'DM Serif Display',serif; font-size:1rem; flex-shrink:0; margin-top:2px; }
.pick-rank.gold-rank { background:var(--gold); color:var(--navy); }
.pick-body { flex:1; min-width:0; }
.pick-body h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:0.4rem; }
.pick-body p { font-size:0.9rem; color:var(--text-muted); margin-bottom:0.75rem; line-height:1.65; }
.pick-tags { display:flex; flex-wrap:wrap; gap:0.45rem; margin-bottom:0.85rem; }
.pick-tag { font-size:0.75rem; font-weight:700; padding:0.2rem 0.6rem; border-radius:4px; }
.tag-green { background:#e6f4ec; color:#2d7a4f; }
.tag-blue  { background:var(--navy-light); color:var(--navy); }
.tag-gold  { background:var(--gold-light); color:var(--gold-dark); }
.tag-red   { background:#fdecea; color:#c0392b; }

/* Card detail table */
.card-detail { width:100%; border-collapse:collapse; font-size:0.85rem; margin-top:0.25rem; }
.card-detail tr { border-bottom:1px solid var(--navy-light); }
.card-detail tr:last-child { border-bottom:none; }
.card-detail td { padding:0.45rem 0.5rem; line-height:1.5; }
.card-detail td:first-child { color:var(--text-muted); font-weight:500; width:42%; }
.card-detail td:last-child { color:var(--text); font-weight:600; }

/* Pros / cons */
.pros-cons { display:grid; grid-template-columns:1fr 1fr; gap:0.75rem; margin-top:0.85rem; }
@media(max-width:600px){ .pros-cons { grid-template-columns:1fr; } }
.pros, .cons { border-radius:8px; padding:0.85rem 1rem; }
.pros { background:#e6f4ec; }
.cons { background:#fdecea; }
.pros h4 { font-size:0.8rem; font-weight:700; color:#2d7a4f; text-transform:uppercase; letter-spacing:0.05em; margin-bottom:0.5rem; }
.cons h4 { font-size:0.8rem; font-weight:700; color:#c0392b; text-transform:uppercase; letter-spacing:0.05em; margin-bottom:0.5rem; }
.pros ul, .cons ul { list-style:none; padding:0; }
.pros ul li, .cons ul li { font-size:0.83rem; color:var(--text); padding:0.25rem 0; display:flex; gap:0.5rem; align-items:flex-start; line-height:1.5; }
.pros ul li::before { content:'✓'; color:#2d7a4f; font-weight:700; flex-shrink:0; }
.cons ul li::before { content:'✗'; color:#c0392b; font-weight:700; flex-shrink:0; }

/* Prose (long-form body text within guide pages) */
.prose h2 { font-family:'DM Serif Display',serif; font-size:1.45rem; color:var(--navy); margin:2rem 0 0.6rem; }
.prose h3 { font-family:'DM Serif Display',serif; font-size:1.15rem; color:var(--navy); margin:1.5rem 0 0.5rem; }
.prose p  { font-size:0.97rem; color:var(--text); margin-bottom:1rem; line-height:1.75; }
.prose ul { padding-left:1.5rem; margin-bottom:1rem; }
.prose ul li { font-size:0.97rem; color:var(--text); margin-bottom:0.45rem; line-height:1.65; }

/* Info / tip callouts (renamed from the source page's ".info-box" —
   that name was already taken by Contact's sidebar boxes, different design) */
.note-box { background:var(--navy-light); border-left:4px solid var(--navy); border-radius:0 8px 8px 0; padding:1.1rem 1.25rem; margin:1.5rem 0; }
.note-box strong { display:block; color:var(--navy); font-size:0.88rem; text-transform:uppercase; letter-spacing:0.05em; margin-bottom:0.4rem; }
.note-box p { font-size:0.9rem; color:var(--text-muted); margin:0; line-height:1.65; }
.tip-box { background:var(--gold-light); border-left:4px solid var(--gold); border-radius:0 8px 8px 0; padding:1.1rem 1.25rem; margin:1.5rem 0; }
.tip-box strong { display:block; color:var(--gold-dark); font-size:0.88rem; text-transform:uppercase; letter-spacing:0.05em; margin-bottom:0.4rem; }
.tip-box p { font-size:0.9rem; color:var(--text); margin:0; line-height:1.65; }

/* Sidebar boxes (distinct from Contact's .info-box/.callout-box, same .sidebar wrapper) */
.sidebar-box { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.35rem; }
.sidebar-box h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.85rem; padding-bottom:0.6rem; border-bottom:2px solid var(--navy-light); }
.sidebar-box ul { list-style:none; padding:0; }
.sidebar-box ul li { padding:0.45rem 0; border-bottom:1px solid var(--navy-light); font-size:0.88rem; }
.sidebar-box ul li:last-child { border-bottom:none; }
.sidebar-box ul li a { color:var(--navy-mid); font-weight:500; transition:color 0.2s; display:flex; align-items:center; gap:0.4rem; }
.sidebar-box ul li a:hover { color:var(--gold-dark); }
.sidebar-box ul li a i { font-size:0.85rem; color:var(--gold); }
.sidebar-cta { background:var(--navy); border-radius:var(--radius); padding:1.35rem; text-align:center; }
.sidebar-cta p { color:rgba(255,255,255,0.75); font-size:0.88rem; margin-bottom:1rem; line-height:1.55; }
.sidebar-cta a { display:inline-flex; align-items:center; gap:0.4rem; background:var(--gold); color:var(--navy); font-weight:700; font-size:0.88rem; padding:0.65rem 1.25rem; border-radius:6px; transition:background 0.2s; }
.sidebar-cta a:hover { background:var(--gold-dark); color:var(--white); }
.sidebar-cta h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--white); margin-bottom:0.6rem; }

/* Score badge (inline rating chip) */
.score-badge { display:inline-flex; align-items:center; gap:0.3rem; background:var(--gold-light); color:var(--gold-dark); font-size:0.78rem; font-weight:700; padding:0.2rem 0.6rem; border-radius:4px; margin-left:0.5rem; }

/* ── Reward-type cards (credit-card-rewards/, possibly reused elsewhere) ── */
.rewards-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(280px,1fr)); gap:1.25rem; margin:1.75rem 0 2.5rem; }
.reward-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.5rem; transition:box-shadow 0.2s,border-color 0.2s; }
.reward-card:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.reward-icon { width:52px; height:52px; border-radius:12px; display:flex; align-items:center; justify-content:center; font-size:1.5rem; margin-bottom:1rem; }
.ri-gold   { background:var(--gold-light); color:var(--gold-dark); }
.ri-blue   { background:var(--navy-light); color:var(--navy); }
.ri-green  { background:#e6f4ec; color:#2d7a4f; }
.reward-card h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--navy); margin-bottom:0.4rem; }
.reward-card p { font-size:0.88rem; color:var(--text-muted); line-height:1.55; margin-bottom:0.75rem; }
.reward-card .verdict { font-size:0.8rem; font-weight:700; padding:0.25rem 0.65rem; border-radius:4px; display:inline-block; }
.v-best  { background:#e6f4ec; color:#2d7a4f; }
.v-good  { background:var(--navy-light); color:var(--navy); }

/* ── Comparison table (generic — likely reused on other guide pages) ── */
.compare-table { width:100%; border-collapse:collapse; margin:1.5rem 0 2rem; font-size:0.9rem; }
.compare-table th { background:var(--navy); color:var(--white); padding:0.75rem 1rem; text-align:left; font-size:0.83rem; font-weight:600; }
.compare-table th:first-child { border-radius:8px 0 0 0; }
.compare-table th:last-child  { border-radius:0 8px 0 0; }
.compare-table td { padding:0.75rem 1rem; border-bottom:1px solid var(--navy-light); color:var(--text); vertical-align:top; }
.compare-table tr:last-child td { border-bottom:none; }
.compare-table tr:nth-child(even) td { background:var(--bg); }
.compare-table .check { color:#2d7a4f; font-weight:700; }
.compare-table .cross { color:#c0392b; }

/* ── Numbered steps (likely reused on how-credit-cards-work/, balance-transfer/) ── */
.steps { counter-reset:step; margin:1.5rem 0 2rem; }
.step { display:flex; gap:1.1rem; align-items:flex-start; margin-bottom:1.25rem; }
.step-num { counter-increment:step; content:counter(step); width:36px; height:36px; border-radius:50%; background:var(--navy); color:var(--white); display:flex; align-items:center; justify-content:center; font-family:'DM Serif Display',serif; font-size:1rem; flex-shrink:0; }
.step-body h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.25rem; }
.step-body p { font-size:0.9rem; color:var(--text-muted); margin:0; line-height:1.6; }

/* ── Connected-line step timeline (balance-transfer-cards/ — a second
   step pattern alongside .steps/.step above; that one is discrete circles,
   this one is a connected vertical line. Kept as separate components
   rather than forcing one page to match the other's exact visual style. ── */
.how-steps { margin:1.75rem 0 2.5rem; display:flex; flex-direction:column; gap:0; }
.how-step { display:flex; gap:1.25rem; align-items:flex-start; position:relative; padding-bottom:1.5rem; }
.how-step:last-child { padding-bottom:0; }
.how-step:not(:last-child)::after { content:''; position:absolute; left:18px; top:42px; bottom:0; width:2px; background:var(--navy-light); }
.step-circle { width:38px; height:38px; border-radius:50%; background:var(--navy); color:var(--white); display:flex; align-items:center; justify-content:center; font-family:'DM Serif Display',serif; font-size:1rem; flex-shrink:0; z-index:1; }
.step-text h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.3rem; padding-top:0.5rem; }
.step-text p { font-size:0.9rem; color:var(--text-muted); margin:0; line-height:1.6; }

/* ── Savings comparison box (before/after style, likely reused on debt-focused content) ── */
.savings-box { background:var(--navy); border-radius:var(--radius); padding:1.75rem; margin:1.75rem 0; }
.savings-box h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--white); margin-bottom:1.25rem; text-align:center; }
.savings-grid { display:grid; grid-template-columns:1fr 1fr; gap:1rem; }
@media(max-width:500px){ .savings-grid { grid-template-columns:1fr; } }
.savings-col { background:rgba(255,255,255,0.08); border-radius:8px; padding:1rem; text-align:center; }
.savings-col.highlight { background:rgba(201,168,76,0.15); border:1px solid rgba(201,168,76,0.3); }
.savings-col .s-label { font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:rgba(255,255,255,0.55); margin-bottom:0.4rem; }
.savings-col .s-value { font-family:'DM Serif Display',serif; font-size:1.5rem; color:var(--white); }
.savings-col.highlight .s-value { color:var(--gold); }
.savings-note { margin-top:1rem; font-size:0.8rem; color:rgba(255,255,255,0.5); text-align:center; }

/* ── Warning callout (distinct from note-box/tip-box — for genuine risk warnings) ── */
.warning-box { background:#fdecea; border-left:4px solid #c0392b; border-radius:0 8px 8px 0; padding:1.1rem 1.25rem; margin:1.5rem 0; }
.warning-box strong { display:block; color:#c0392b; font-size:0.88rem; text-transform:uppercase; letter-spacing:0.05em; margin-bottom:0.4rem; }
.warning-box p { font-size:0.9rem; color:var(--text); margin:0; }

/* ── Score band meter (credit-cards-for-bad-credit/) ── */
.score-bands { display:grid; grid-template-columns:repeat(auto-fill,minmax(160px,1fr)); gap:0.75rem; margin:1.5rem 0 2.5rem; }
.score-band { border-radius:8px; padding:1rem; text-align:center; }
.sb-poor      { background:#fdecea; border-top:4px solid #c0392b; }
.sb-fair      { background:#fef5e4; border-top:4px solid #e67e22; }
.sb-good      { background:#e6f4ec; border-top:4px solid #27ae60; }
.sb-very-good { background:#e8f4fd; border-top:4px solid #2980b9; }
.sb-excellent { background:var(--navy-light); border-top:4px solid var(--navy); }
.score-band .sb-range { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--text); margin-bottom:0.2rem; }
.score-band .sb-label { font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--text-muted); margin-bottom:0.4rem; }
.score-band .sb-note  { font-size:0.78rem; color:var(--text-muted); line-height:1.4; }

/* ── Third timeline variant: dotted-line with colored numbered dots.
   (Distinct from .steps/.step-num and .how-steps/.step-circle above —
   three step patterns now exist site-wide; all kept, none collide.)
   NOTE: source page had a numbering bug (1,2,3,3,4 with a duplicated
   dot color) — fixed to 1–5 here, added a 5th dot color to support it. ── */
.timeline { margin:1.75rem 0 2rem; position:relative; }
.timeline::before { content:''; position:absolute; left:18px; top:0; bottom:0; width:2px; background:var(--navy-light); }
.tl-item { display:flex; gap:1.25rem; align-items:flex-start; padding-bottom:1.5rem; position:relative; }
.tl-item:last-child { padding-bottom:0; }
.tl-dot { width:38px; height:38px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:0.85rem; font-weight:700; flex-shrink:0; z-index:1; }
.tl-dot-1 { background:#fdecea; color:#c0392b; border:2px solid #c0392b; }
.tl-dot-2 { background:#fef5e4; color:#e67e22; border:2px solid #e67e22; }
.tl-dot-3 { background:#e6f4ec; color:#27ae60; border:2px solid #27ae60; }
.tl-dot-4 { background:var(--navy-light); color:var(--navy); border:2px solid var(--navy); }
.tl-dot-5 { background:#f0eaf8; color:#6b3fa0; border:2px solid #6b3fa0; }
.tl-body h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.25rem; padding-top:0.5rem; }
.tl-body p { font-size:0.88rem; color:var(--text-muted); margin:0; line-height:1.6; }

/* ── Score-check sidebar box ── */
.score-check { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.35rem; margin-bottom:1.5rem; }
.score-check h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.5rem; }
.score-check p { font-size:0.85rem; color:var(--text-muted); margin-bottom:0.85rem; line-height:1.55; }
.score-sources { display:flex; flex-direction:column; gap:0.4rem; }
.score-source { font-size:0.82rem; color:var(--navy-mid); font-weight:500; display:flex; align-items:center; gap:0.4rem; }
.score-source i { color:var(--gold); font-size:0.85rem; }

/* ── Concept cards (how-credit-cards-work/) ── */
.concept-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(260px,1fr)); gap:1.1rem; margin:1.75rem 0 2.5rem; }
.concept-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.35rem; transition:box-shadow 0.2s,border-color 0.2s; }
.concept-card:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.concept-icon { width:44px; height:44px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-size:1.3rem; margin-bottom:0.85rem; }
.ci-blue   { background:var(--navy-light); color:var(--navy); }
.ci-gold   { background:var(--gold-light); color:var(--gold-dark); }
.ci-green  { background:#e6f4ec; color:#2d7a4f; }
.ci-red    { background:#fdecea; color:#c0392b; }
.ci-teal   { background:#e4f4f4; color:#1a7a7a; }
.ci-purple { background:#f0eaf8; color:#6b3fa0; }
.concept-card h3 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.35rem; }
.concept-card p { font-size:0.86rem; color:var(--text-muted); line-height:1.55; margin:0; }

/* ── Billing cycle / horizontal timeline diagram ── */
.cycle-diagram { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.75rem; margin:1.75rem 0 2.5rem; }
.cycle-diagram h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:1.25rem; text-align:center; }
.cycle-steps { display:flex; align-items:center; gap:0; overflow-x:auto; padding-bottom:0.5rem; }
.cycle-step { flex:1; min-width:110px; text-align:center; position:relative; }
.cycle-step:not(:last-child)::after { content:'→'; position:absolute; right:-10px; top:50%; transform:translateY(-50%); color:var(--gold); font-size:1.2rem; font-weight:700; z-index:1; }
.cs-box { background:var(--navy-light); border-radius:8px; padding:0.85rem 0.5rem; margin:0 0.5rem; }
.cs-day { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); display:block; }
.cs-label { font-size:0.75rem; color:var(--text-muted); font-weight:600; }
.cs-note { font-size:0.72rem; color:var(--text-muted); margin-top:0.5rem; padding:0 0.25rem; line-height:1.4; }

/* ── APR type cards (credit-card-interest-explained/) ── */
.apr-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(240px,1fr)); gap:1.1rem; margin:1.75rem 0 2.5rem; }
.apr-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.35rem; }
.apr-card h3 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.35rem; display:flex; align-items:center; gap:0.5rem; }
.apr-card h3 i { color:var(--gold); font-size:1rem; }
.apr-card .apr-rate { font-family:'DM Serif Display',serif; font-size:1.5rem; color:var(--gold-dark); margin-bottom:0.4rem; }
.apr-card p { font-size:0.85rem; color:var(--text-muted); line-height:1.55; margin:0; }

/* ── Formula / worked-example box (monospace calc display) ── */
.formula-box { background:var(--navy); border-radius:var(--radius); padding:1.75rem; margin:1.75rem 0; }
.formula-box h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--white); margin-bottom:1.25rem; }
.formula { background:rgba(255,255,255,0.08); border-radius:8px; padding:1.25rem; margin-bottom:1rem; font-family:monospace; font-size:0.95rem; color:var(--gold); line-height:1.8; }
.formula-example { background:rgba(201,168,76,0.12); border:1px solid rgba(201,168,76,0.3); border-radius:8px; padding:1rem 1.25rem; }
.formula-example p { font-size:0.88rem; color:rgba(255,255,255,0.8); margin-bottom:0.4rem; line-height:1.6; }
.formula-example p:last-child { margin:0; }
.formula-example strong { color:var(--gold); }

/* ============================================
   GLOSSARY PAGE — SPECIFIC
   Uses its own .glossary-wrap layout (280px sidebar,
   vs the shared .content-wrap's 300px) since it's a
   distinct reference-page format with sticky alpha-nav
   and live search — kept separate rather than forced
   into the standard content-wrap grid.
   ============================================ */

.alpha-nav { background:var(--white); border-bottom:2px solid var(--navy-light); padding:0.85rem 2rem; display:flex; flex-wrap:wrap; gap:0.35rem; justify-content:center; position:sticky; top:64px; z-index:90; }
.alpha-btn { width:32px; height:32px; border-radius:6px; border:1.5px solid var(--navy-light); background:transparent; font-family:'DM Sans',sans-serif; font-size:0.82rem; font-weight:700; color:var(--text-muted); cursor:pointer; transition:all 0.2s; display:flex; align-items:center; justify-content:center; }
.alpha-btn:hover { background:var(--navy-light); color:var(--navy); border-color:var(--navy); }
.alpha-btn.has-terms { color:var(--navy); border-color:var(--navy-light); }
.alpha-btn.has-terms:hover { background:var(--gold-light); border-color:var(--gold); color:var(--gold-dark); }

.search-wrap { max-width:600px; margin:2rem auto 0; padding:0 2rem; }
.search-inner { position:relative; }
.search-inner i { position:absolute; left:1rem; top:50%; transform:translateY(-50%); color:var(--text-muted); font-size:1.1rem; }
.search-inner input { width:100%; padding:0.85rem 1rem 0.85rem 2.75rem; border:1.5px solid var(--navy-light); border-radius:8px; font-family:'DM Sans',sans-serif; font-size:0.97rem; color:var(--text); background:var(--white); transition:border-color 0.2s; }
.search-inner input:focus { outline:none; border-color:var(--gold); }
.search-count { text-align:center; font-size:0.82rem; color:var(--text-muted); margin-top:0.6rem; }

.glossary-wrap { max-width:1100px; margin:0 auto; padding:2.5rem 2rem 3rem; display:grid; grid-template-columns:1fr 280px; gap:2.5rem; align-items:start; }
@media(max-width:900px){ .glossary-wrap { grid-template-columns:1fr; } }

.glossary-section { margin-bottom:2.5rem; }
.letter-header { font-family:'DM Serif Display',serif; font-size:2rem; color:var(--navy); border-bottom:3px solid var(--gold); padding-bottom:0.4rem; margin-bottom:1.25rem; display:flex; align-items:center; gap:0.75rem; }
.letter-header span { font-size:0.8rem; font-weight:600; color:var(--text-muted); font-family:'DM Sans',sans-serif; }

.term-item { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.25rem 1.4rem; margin-bottom:0.85rem; transition:border-color 0.2s,box-shadow 0.2s; }
.term-item:hover { border-color:var(--gold); box-shadow:var(--shadow); }
.term-name { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--navy); margin-bottom:0.4rem; display:flex; align-items:center; gap:0.6rem; }
.term-name i { color:var(--gold); font-size:0.95rem; }
.term-def { font-size:0.92rem; color:var(--text); line-height:1.7; margin-bottom:0.5rem; }
.term-example { font-size:0.83rem; color:var(--text-muted); background:var(--bg); border-left:3px solid var(--gold-light); padding:0.5rem 0.85rem; border-radius:0 6px 6px 0; line-height:1.6; }
.term-example strong { color:var(--gold-dark); }
.term-tag { display:inline-block; font-size:0.7rem; font-weight:700; text-transform:uppercase; letter-spacing:0.07em; background:var(--navy-light); color:var(--navy); padding:0.15rem 0.5rem; border-radius:4px; margin-bottom:0.5rem; }

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

/* ============================================
   CREDIT-CARD-CALCULATOR PAGE — SPECIFIC
   This page reuses .calc-tabs/.calc-body/.result-grid/
   .result-note — same class names as the homepage's
   embedded 2-tab hero calculator, but this is a wider
   3-tab standalone tool with a different grid layout.
   Rather than rename (the JS in both places selects
   .calc-tab/.calc-panel directly, so renaming risks
   breaking tab-switching), these three are scoped under
   .calc-container so they only apply on this page and
   never touch the homepage's version of the same names.
   ============================================ */

.calc-page-wrap { max-width:1100px; margin:0 auto; padding:3rem 2rem; display:grid; grid-template-columns:1fr 300px; gap:2.5rem; align-items:start; }
@media(max-width:900px){ .calc-page-wrap { grid-template-columns:1fr; } }

.calc-container { background:var(--white); border-radius:var(--radius); box-shadow:var(--shadow); overflow:hidden; border:1.5px solid var(--navy-light); }
.calc-container .calc-tabs { grid-template-columns:1fr 1fr 1fr; }
.calc-container .calc-tab { padding:1rem 0.75rem; font-size:0.88rem; border-bottom:3px solid transparent; }
.calc-container .calc-tab:hover:not(.active) { background:#dde5f3; color:var(--navy); }
.calc-container .calc-body { padding:2rem; }
.calc-container .result-grid { grid-template-columns:repeat(auto-fit,minmax(140px,1fr)); margin-bottom:1rem; }
.calc-container .result-note { padding:0.85rem 1rem; background:var(--bg); border-radius:6px; border-top:none; text-align:center; }

.panel-intro { font-size:0.9rem; color:var(--text-muted); margin-bottom:1.5rem; line-height:1.6; padding-bottom:1.25rem; border-bottom:1.5px solid var(--navy-light); }

.fields-grid { display:grid; grid-template-columns:1fr 1fr; gap:1.1rem; margin-bottom:1.25rem; }
@media(max-width:580px){ .fields-grid { grid-template-columns:1fr; } }
.fields-grid.three-col { grid-template-columns:1fr 1fr 1fr; }
@media(max-width:680px){ .fields-grid.three-col { grid-template-columns:1fr 1fr; } }
@media(max-width:480px){ .fields-grid.three-col { grid-template-columns:1fr; } }
.field input.no-prefix { padding-left:0.85rem; }
.field input.has-suffix { padding-right:2.25rem; padding-left:0.85rem; }
.field select { padding-left:0.85rem; cursor:pointer; width:100%; padding-top:0.75rem; padding-bottom:0.75rem; border:1.5px solid var(--navy-light); border-radius:6px; font-family:'DM Sans',sans-serif; font-size:1rem; color:var(--text); background:var(--bg); }

.result-panel { display:none; margin-top:1.75rem; }
.result-panel.show { display:block; }
.result-header { display:flex; align-items:center; gap:0.6rem; font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:1.1rem; padding-bottom:0.75rem; border-bottom:2px solid var(--navy-light); }
.result-header i { color:var(--gold); }
.result-card { background:var(--navy-light); border-radius:8px; padding:1rem; text-align:center; }
.result-card.highlight { background:var(--gold-light); border:1.5px solid var(--gold); }
.result-card.alert { background:var(--red-light); border:1.5px solid var(--red); }
.result-card.good  { background:var(--green-light); border:1.5px solid var(--green); }
.r-label { font-size:0.73rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--text-muted); margin-bottom:0.35rem; }
.r-value { font-family:'DM Serif Display',serif; font-size:1.55rem; color:var(--navy); line-height:1.1; }
.result-card.highlight .r-value { color:var(--gold-dark); }
.result-card.alert .r-value { color:var(--red); }
.result-card.good .r-value  { color:var(--green); }
.r-sub { font-size:0.75rem; color:var(--text-muted); margin-top:0.2rem; }

/* Amortisation schedule table */
.amort-toggle { background:none; border:1.5px solid var(--navy-light); border-radius:6px; padding:0.6rem 1rem; font-family:'DM Sans',sans-serif; font-size:0.85rem; font-weight:600; color:var(--navy); cursor:pointer; display:flex; align-items:center; gap:0.4rem; transition:all 0.2s; margin-top:1rem; }
.amort-toggle:hover { border-color:var(--gold); color:var(--gold-dark); }
.amort-wrap { display:none; margin-top:1rem; overflow-x:auto; }
.amort-wrap.show { display:block; }
.amort-table { width:100%; border-collapse:collapse; font-size:0.83rem; }
.amort-table th { background:var(--navy); color:var(--white); padding:0.6rem 0.85rem; text-align:right; font-weight:600; font-size:0.78rem; }
.amort-table th:first-child { text-align:left; border-radius:6px 0 0 0; }
.amort-table th:last-child { border-radius:0 6px 0 0; }
.amort-table td { padding:0.55rem 0.85rem; border-bottom:1px solid var(--navy-light); text-align:right; color:var(--text); }
.amort-table td:first-child { text-align:left; font-weight:600; color:var(--navy); }
.amort-table tr:last-child td { border-bottom:none; font-weight:700; background:var(--navy-light) !important; }
.amort-table tr:nth-child(even) td { background:var(--bg); }

/* Balance transfer comparison card */
.bt-comparison { background:var(--navy); border-radius:8px; padding:1.25rem; margin-top:1rem; }
.bt-comparison h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--white); margin-bottom:1rem; }
.bt-row { display:grid; grid-template-columns:1fr 1fr; gap:0.85rem; }
.bt-col { background:rgba(255,255,255,0.08); border-radius:6px; padding:0.85rem; text-align:center; }
.bt-col.better { background:rgba(201,168,76,0.18); border:1px solid rgba(201,168,76,0.4); }
.bt-col-label { font-size:0.72rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:rgba(255,255,255,0.55); margin-bottom:0.35rem; }
.bt-col-value { font-family:'DM Serif Display',serif; font-size:1.25rem; color:var(--white); }
.bt-col.better .bt-col-value { color:var(--gold); }
.bt-col-sub { font-size:0.75rem; color:rgba(255,255,255,0.5); margin-top:0.2rem; }
.bt-saving { text-align:center; margin-top:0.85rem; font-size:0.85rem; color:rgba(255,255,255,0.75); }
.bt-saving strong { color:var(--gold); }

/* "How it works" info cards below the calculator */
.how-it-works { margin-top:2.5rem; }
.how-it-works h2 { font-family:'DM Serif Display',serif; font-size:1.35rem; color:var(--navy); margin-bottom:1.25rem; }
.how-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(200px,1fr)); gap:1rem; }
.how-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.25rem; }
.how-icon { width:42px; height:42px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-size:1.2rem; margin-bottom:0.75rem; }
.hi-blue   { background:var(--navy-light); color:var(--navy); }
.hi-gold   { background:var(--gold-light); color:var(--gold-dark); }
.hi-green  { background:var(--green-light); color:var(--green); }
.how-card h4 { font-family:'DM Serif Display',serif; font-size:0.97rem; color:var(--navy); margin-bottom:0.3rem; }
.how-card p { font-size:0.83rem; color:var(--text-muted); line-height:1.55; }

/* Quick-facts sidebar box */
.quick-facts { background:var(--navy); border-radius:var(--radius); padding:1.35rem; }
.quick-facts h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--white); margin-bottom:1rem; }
.qf-item { padding:0.6rem 0; border-bottom:1px solid rgba(255,255,255,0.1); }
.qf-item:last-child { border-bottom:none; }
.qf-label { font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:rgba(255,255,255,0.5); margin-bottom:0.15rem; }
.qf-value { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--gold); }
.qf-note { font-size:0.75rem; color:rgba(255,255,255,0.45); }

/* ============================================
   BLOG INDEX PAGE — SPECIFIC
   ============================================ */

.blog-hero { background:var(--navy); padding:3.5rem 2rem 3rem; position:relative; overflow:hidden; }
.blog-hero::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse at 60% 0%,rgba(201,168,76,0.12) 0%,transparent 65%); pointer-events:none; }
.blog-hero .hero-inner { max-width:820px; margin:0 auto; text-align:center; position:relative; }
.blog-hero h1 { font-family:'DM Serif Display',serif; font-size:clamp(1.75rem,4vw,2.5rem); color:var(--white); line-height:1.2; margin-bottom:1rem; }
.blog-hero h1 .accent { color:var(--gold); }
.blog-hero p { font-size:1.05rem; color:rgba(255,255,255,0.75); max-width:580px; margin:0 auto 2rem; line-height:1.7; }

.filter-bar { display:flex; flex-wrap:wrap; gap:0.6rem; justify-content:center; }
.filter-pill { border:1.5px solid rgba(255,255,255,0.25); border-radius:999px; padding:0.4rem 1.1rem; font-size:0.83rem; font-weight:600; color:rgba(255,255,255,0.75); cursor:pointer; transition:all 0.2s; background:transparent; font-family:'DM Sans',sans-serif; }
.filter-pill:hover { border-color:var(--gold); color:var(--gold); }
.filter-pill.active { background:var(--gold); border-color:var(--gold); color:var(--navy); }

.blog-wrap { max-width:1100px; margin:0 auto; padding:3rem 2rem; display:grid; grid-template-columns:1fr 300px; gap:2.5rem; align-items:start; }
@media(max-width:900px){ .blog-wrap { grid-template-columns:1fr; } }

.posts-header { display:flex; align-items:center; justify-content:space-between; margin-bottom:1.5rem; flex-wrap:wrap; gap:0.75rem; }
.posts-header h2 { font-family:'DM Serif Display',serif; font-size:1.3rem; color:var(--navy); }
.post-count { font-size:0.85rem; color:var(--text-muted); background:var(--navy-light); padding:0.3rem 0.85rem; border-radius:999px; font-weight:600; }

.posts-grid { display:flex; flex-direction:column; gap:1.25rem; }
.post-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); display:flex; gap:1.25rem; align-items:flex-start; padding:1.35rem; transition:box-shadow 0.2s,border-color 0.2s,transform 0.2s; }
.post-card:hover { box-shadow:var(--shadow); border-color:var(--gold); transform:translateY(-2px); }
.post-thumb { width:72px; height:72px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-size:1.75rem; flex-shrink:0; }
.t1 { background:var(--navy-light); color:var(--navy); }
.t2 { background:var(--gold-light); color:var(--gold-dark); }
.t3 { background:#e6f4ec; color:#2d7a4f; }
.t4 { background:#fdecea; color:#c0392b; }
.t5 { background:#e4f4f4; color:#1a7a7a; }
.t6 { background:#f0eaf8; color:#6b3fa0; }
.post-body { flex:1; min-width:0; }
.post-meta { display:flex; flex-wrap:wrap; gap:0.65rem; align-items:center; margin-bottom:0.5rem; }
.post-cat { font-size:0.73rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--gold-dark); background:var(--gold-light); padding:0.2rem 0.6rem; border-radius:4px; }
.post-num { font-size:0.73rem; font-weight:700; color:var(--text-muted); background:var(--navy-light); padding:0.2rem 0.6rem; border-radius:4px; }
.post-date, .post-read { font-size:0.78rem; color:var(--text-muted); display:flex; align-items:center; gap:0.25rem; }
.post-body h2 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:0.35rem; line-height:1.3; }
.post-body p { font-size:0.88rem; color:var(--text-muted); line-height:1.55; margin-bottom:0.65rem; }
.post-link { font-size:0.83rem; font-weight:700; color:var(--gold-dark); display:inline-flex; align-items:center; gap:0.3rem; transition:gap 0.2s; }
.post-card:hover .post-link { gap:0.55rem; }

.coming-soon { opacity:0.55; pointer-events:none; }
.coming-badge { font-size:0.73rem; font-weight:700; color:var(--text-muted); background:var(--navy-light); padding:0.2rem 0.6rem; border-radius:4px; }
.post-card.hidden { display:none; }

.cat-count { font-size:0.75rem; font-weight:700; background:var(--navy-light); color:var(--text-muted); padding:0.15rem 0.5rem; border-radius:999px; }

@media(max-width:500px){ .post-card { flex-direction:column; } .post-thumb { width:100%; height:60px; border-radius:8px; } }

/* ============================================
   BLOG POST — SHARED
   Discovered on blog-post-1, likely reused across
   the remaining 12 posts (all built from the same
   template family as the guide pages).
   ============================================ */

/* Key-takeaways callout (dark card, top of post) */
.key-points { background:var(--navy); border-radius:var(--radius); padding:1.5rem 1.75rem; margin:0 0 2rem; }
.key-points h3 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--gold); margin-bottom:1rem; display:flex; align-items:center; gap:0.5rem; }
.key-points ul { list-style:none; padding:0; }
.key-points ul li { font-size:0.9rem; color:rgba(255,255,255,0.82); padding:0.4rem 0; border-bottom:1px solid rgba(255,255,255,0.08); display:flex; align-items:flex-start; gap:0.6rem; line-height:1.5; }
.key-points ul li:last-child { border-bottom:none; }
.key-points ul li i { color:var(--gold); flex-shrink:0; margin-top:2px; }

/* Card-type grid (generic — 4-up icon+description cards within prose) */
.card-type-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(240px,1fr)); gap:1.1rem; margin:1.5rem 0 2rem; }
.card-type { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.25rem; transition:box-shadow 0.2s,border-color 0.2s; }
.card-type:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.ct-icon { width:44px; height:44px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-size:1.3rem; margin-bottom:0.75rem; }
.card-type h4 { font-family:'DM Serif Display',serif; font-size:0.98rem; color:var(--navy); margin-bottom:0.3rem; }
.card-type p { font-size:0.84rem; color:var(--text-muted); line-height:1.5; margin:0; }

/* Post category badge (hero) */
.post-cat-badge { display:inline-block; background:rgba(201,168,76,0.2); color:var(--gold); border:1px solid rgba(201,168,76,0.4); border-radius:4px; font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; padding:0.25rem 0.75rem; margin-bottom:1rem; }

/* Related posts (end of article) */
.related-posts { margin-top:3rem; padding-top:2rem; border-top:2px solid var(--navy-light); }
.related-posts h3 { font-family:'DM Serif Display',serif; font-size:1.2rem; color:var(--navy); margin-bottom:1.25rem; }
.related-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(220px,1fr)); gap:1rem; }
.related-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.1rem; transition:box-shadow 0.2s,border-color 0.2s; display:flex; flex-direction:column; }
.related-card:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.related-cat { font-size:0.72rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--gold-dark); background:var(--gold-light); padding:0.2rem 0.55rem; border-radius:4px; display:inline-block; margin-bottom:0.5rem; }
.related-card h4 { font-family:'DM Serif Display',serif; font-size:0.95rem; color:var(--navy); margin-bottom:0.4rem; line-height:1.35; flex:1; }
.related-link { font-size:0.82rem; font-weight:700; color:var(--gold-dark); display:flex; align-items:center; gap:0.3rem; margin-top:0.5rem; }

/* Cost/impact table (distinct from .compare-table — highlight/good cell modifiers) */
.cost-table { width:100%; border-collapse:collapse; margin:1.5rem 0 2rem; font-size:0.9rem; }
.cost-table th { background:var(--navy); color:var(--white); padding:0.75rem 1rem; text-align:left; font-size:0.83rem; font-weight:600; }
.cost-table th:first-child { border-radius:8px 0 0 0; }
.cost-table th:last-child { border-radius:0 8px 0 0; }
.cost-table td { padding:0.75rem 1rem; border-bottom:1px solid var(--navy-light); color:var(--text); }
.cost-table tr:last-child td { border-bottom:none; }
.cost-table tr:nth-child(even) td { background:var(--bg); }
.cost-table .highlight { color:#c0392b; font-weight:700; }
.cost-table .good { color:#2d7a4f; font-weight:700; }

/* "Best for" line under a card-pick's tags */
.best-for { font-size:0.82rem; color:var(--text-muted); margin-top:0.5rem; }
.best-for strong { color:var(--navy); }

/* Head-to-head comparison cards (e.g. cashback vs travel rewards) */
.vs-grid { display:grid; grid-template-columns:1fr 1fr; gap:1.25rem; margin:1.75rem 0 2.5rem; }
@media(max-width:600px){ .vs-grid { grid-template-columns:1fr; } }
.vs-card { border-radius:var(--radius); padding:1.5rem; }
.vs-cashback { background:var(--navy-light); border:2px solid var(--navy); }
.vs-travel { background:var(--gold-light); border:2px solid var(--gold); }
.vs-card h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; margin-bottom:1rem; display:flex; align-items:center; gap:0.5rem; }
.vs-cashback h3 { color:var(--navy); }
.vs-travel h3 { color:var(--gold-dark); }
.vs-card ul { list-style:none; padding:0; }
.vs-card ul li { font-size:0.88rem; padding:0.4rem 0; border-bottom:1px solid rgba(0,0,0,0.07); display:flex; align-items:flex-start; gap:0.5rem; line-height:1.5; }
.vs-card ul li:last-child { border-bottom:none; }
.vs-card ul li i { flex-shrink:0; margin-top:2px; font-size:0.9rem; }
.vs-cashback ul li i { color:var(--navy); }
.vs-travel ul li i { color:var(--gold-dark); }

/* ============================================
   Connected-timeline steps, scoped to .steps-wrap.
   This reuses .step/.step-num — the SAME class names
   as the discrete-list .steps/.step/.step-num component
   built earlier from credit-card-rewards/ — but wants a
   different look (connected line, larger circles, a
   "done" state). Rather than let a bare re-declaration
   silently override that shared component sitewide,
   scoped everything under .steps-wrap (unique to this
   page) so it only applies here. Same technique used
   for the credit-card-calculator/ collision.
   ============================================ */
.steps-wrap { margin:1.75rem 0 2.5rem; }
.steps-wrap .step { display:flex; gap:1.35rem; align-items:flex-start; padding-bottom:2rem; position:relative; }
.steps-wrap .step:not(:last-child)::after { content:''; position:absolute; left:19px; top:44px; bottom:0; width:2px; background:var(--navy-light); }
.steps-wrap .step-num { width:40px; height:40px; border-radius:50%; background:var(--navy); color:var(--white); display:flex; align-items:center; justify-content:center; font-family:'DM Serif Display',serif; font-size:1.1rem; flex-shrink:0; z-index:1; }
.steps-wrap .step-num.done { background:var(--gold); color:var(--navy); }
.steps-wrap .step-content { flex:1; padding-top:0.3rem; }
.steps-wrap .step-content h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:0.5rem; }
.steps-wrap .step-content p { font-size:0.93rem; color:var(--text-muted); margin-bottom:0.6rem; line-height:1.65; }
.steps-wrap .step-content ul { padding-left:1.25rem; margin-bottom:0; }
.steps-wrap .step-content ul li { font-size:0.9rem; color:var(--text-muted); margin-bottom:0.35rem; line-height:1.6; }

/* Checklist box */
.checklist { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.5rem 1.75rem; margin:1.75rem 0; }
.checklist h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--navy); margin-bottom:1rem; display:flex; align-items:center; gap:0.5rem; }
.checklist h3 i { color:var(--gold); }
.check-item { display:flex; align-items:flex-start; gap:0.75rem; padding:0.55rem 0; border-bottom:1px solid var(--navy-light); font-size:0.9rem; color:var(--text); line-height:1.5; }
.check-item:last-child { border-bottom:none; padding-bottom:0; }
.check-item i { color:var(--gold-dark); flex-shrink:0; margin-top:2px; font-size:1rem; }

/* ── FICO score factor breakdown (horizontal bar chart) ── */
.fico-grid { display:grid; grid-template-columns:1fr; gap:0.75rem; margin:1.5rem 0 2rem; }
.fico-item { background:var(--white); border:1.5px solid var(--navy-light); border-radius:8px; padding:1rem 1.25rem; display:flex; align-items:center; gap:1rem; }
.fico-pct { font-family:'DM Serif Display',serif; font-size:1.5rem; color:var(--navy); min-width:52px; text-align:center; }
.fico-bar-wrap { flex:1; }
.fico-label { font-size:0.85rem; font-weight:700; color:var(--navy); margin-bottom:0.3rem; }
.fico-bar { height:8px; border-radius:4px; background:var(--navy-light); overflow:hidden; margin-bottom:0.3rem; }
.fico-fill { height:100%; border-radius:4px; }
.fill-35 { width:35%; background:var(--navy); }
.fill-30 { width:30%; background:var(--gold); }
.fill-15 { width:15%; background:#2980b9; }
.fill-10a { width:10%; background:#27ae60; }
.fill-10b { width:10%; background:#8e44ad; }
.fico-desc { font-size:0.8rem; color:var(--text-muted); }

/* ── Fourth step-timeline variant: numbered circular icons, connected
   line, distinct icon per step (vs the discrete/connected/dotted
   variants already shared). Unique class names, no collision — kept
   as its own pattern since "building credit habits" reads better as
   icon-per-habit than a plain numbered list. ── */
.habits-wrap { margin:1.75rem 0 2.5rem; }
.habit { display:flex; gap:1.25rem; align-items:flex-start; padding-bottom:1.75rem; position:relative; }
.habit:not(:last-child)::after { content:''; position:absolute; left:19px; top:44px; bottom:0; width:2px; background:var(--navy-light); }
.habit-icon { width:40px; height:40px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1.1rem; flex-shrink:0; z-index:1; }
.hi-1 { background:var(--navy); color:var(--white); }
.hi-2 { background:var(--gold); color:var(--navy); }
.hi-3 { background:#e6f4ec; color:#2d7a4f; }
.hi-4 { background:var(--navy-light); color:var(--navy); }
.hi-5 { background:var(--gold-light); color:var(--gold-dark); }
.habit-body { flex:1; padding-top:0.3rem; }
.habit-body h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:0.4rem; }
.habit-body p { font-size:0.92rem; color:var(--text-muted); margin:0; line-height:1.65; }

/* ── Score-improvement progress timeline (0/3/6/12 month milestones) ── */
.progress-timeline { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.5rem; margin:1.75rem 0; }
.progress-timeline h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--navy); margin-bottom:1.25rem; text-align:center; }
.pt-row { display:grid; grid-template-columns:repeat(4,1fr); gap:0.5rem; }
@media(max-width:580px){ .pt-row { grid-template-columns:1fr 1fr; } }
.pt-item { text-align:center; padding:0.85rem 0.5rem; border-radius:8px; }
.pt-item.m0 { background:#fdecea; }
.pt-item.m3 { background:#fef5e4; }
.pt-item.m6 { background:#e6f4ec; }
.pt-item.m12 { background:var(--navy-light); }
.pt-period { font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--text-muted); margin-bottom:0.3rem; }
.pt-score { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:0.25rem; }
.pt-note { font-size:0.73rem; color:var(--text-muted); line-height:1.4; }

/* ── Free-tools sidebar list ── */
.free-tools { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.3rem; }
.free-tools h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.85rem; padding-bottom:0.6rem; border-bottom:2px solid var(--navy-light); }
.tool-item { padding:0.5rem 0; border-bottom:1px solid var(--navy-light); font-size:0.85rem; display:flex; align-items:center; gap:0.5rem; color:var(--text-muted); }
.tool-item:last-child { border-bottom:none; }
.tool-item i { color:var(--gold); flex-shrink:0; }

/* ── Fee cards (list of fee types with verdict) ── */
.fee-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.4rem 1.5rem; margin-bottom:1.1rem; display:flex; gap:1.25rem; align-items:flex-start; transition:box-shadow 0.2s,border-color 0.2s; }
.fee-card:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.fee-icon { width:48px; height:48px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-size:1.4rem; flex-shrink:0; }
.fi-red    { background:#fdecea; color:#c0392b; }
.fi-gold   { background:var(--gold-light); color:var(--gold-dark); }
.fi-navy   { background:var(--navy-light); color:var(--navy); }
.fi-orange { background:#fef5e4; color:#e67e22; }
.fi-green  { background:#e6f4ec; color:#2d7a4f; }
.fi-purple { background:#f0eaf8; color:#6b3fa0; }
.fi-teal   { background:#e4f4f4; color:#1a7a7a; }
.fee-body { flex:1; min-width:0; }
.fee-body h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--navy); margin-bottom:0.25rem; }
.fee-amount { font-size:0.82rem; font-weight:700; color:var(--gold-dark); background:var(--gold-light); padding:0.2rem 0.65rem; border-radius:4px; display:inline-block; margin-bottom:0.5rem; }
.fee-body p { font-size:0.88rem; color:var(--text-muted); margin-bottom:0.6rem; line-height:1.55; }
.fee-verdict { font-size:0.82rem; font-weight:700; display:inline-flex; align-items:center; gap:0.35rem; }
.verdict-avoid   { color:#c0392b; }
.verdict-worth   { color:#2d7a4f; }
.verdict-depends { color:var(--gold-dark); }

/* ── Fee summary table ── */
.fee-table { width:100%; border-collapse:collapse; margin:1.75rem 0 2rem; font-size:0.88rem; }
.fee-table th { background:var(--navy); color:var(--white); padding:0.75rem 1rem; text-align:left; font-size:0.82rem; font-weight:600; }
.fee-table th:first-child { border-radius:8px 0 0 0; }
.fee-table th:last-child { border-radius:0 8px 0 0; }
.fee-table td { padding:0.7rem 1rem; border-bottom:1px solid var(--navy-light); color:var(--text); vertical-align:top; }
.fee-table tr:last-child td { border-bottom:none; }
.fee-table tr:nth-child(even) td { background:var(--bg); }
.fee-table .avoidable { color:#2d7a4f; font-weight:700; }
.fee-table .depends { color:var(--gold-dark); font-weight:700; }

/* ── Strategy card grid (icon + title + description, generic — likely reused) ── */
.strategy-grid { display:grid; grid-template-columns:repeat(auto-fill,minmax(280px,1fr)); gap:1.1rem; margin:1.75rem 0 2.5rem; }
.strategy-card { background:var(--white); border:1.5px solid var(--navy-light); border-radius:var(--radius); padding:1.4rem; transition:box-shadow 0.2s,border-color 0.2s; }
.strategy-card:hover { box-shadow:var(--shadow); border-color:var(--gold); }
.sc-icon { width:46px; height:46px; border-radius:10px; display:flex; align-items:center; justify-content:center; font-size:1.3rem; margin-bottom:0.85rem; }
.sc-blue   { background:var(--navy-light); color:var(--navy); }
.sc-gold   { background:var(--gold-light); color:var(--gold-dark); }
.sc-green  { background:#e6f4ec; color:#2d7a4f; }
.sc-purple { background:#f0eaf8; color:#6b3fa0; }
.sc-teal   { background:#e4f4f4; color:#1a7a7a; }
.sc-red    { background:#fdecea; color:#c0392b; }
.strategy-card h3 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.4rem; }
.strategy-card p { font-size:0.86rem; color:var(--text-muted); line-height:1.6; margin:0; }

/* ── Warning-signs list (dark card, red-icon list items) ── */
.warning-signs { background:var(--navy); border-radius:var(--radius); padding:1.75rem; margin:1.75rem 0; }
.warning-signs h3 { font-family:'DM Serif Display',serif; font-size:1.05rem; color:var(--white); margin-bottom:1.25rem; display:flex; align-items:center; gap:0.5rem; }
.warning-signs h3 i { color:var(--gold); }
.ws-item { display:flex; align-items:flex-start; gap:0.85rem; padding:0.65rem 0; border-bottom:1px solid rgba(255,255,255,0.08); }
.ws-item:last-child { border-bottom:none; padding-bottom:0; }
.ws-item i { color:#e74c3c; flex-shrink:0; font-size:1.1rem; margin-top:2px; }
.ws-item span { font-size:0.88rem; color:rgba(255,255,255,0.8); line-height:1.5; }

/* ── Fifth step-timeline variant: gold numbered circles, connected line.
   Yet another non-colliding variant (.debt-step vs .step/.how-step/
   .habit) — same pattern of content-specific step designs continuing. ── */
.debt-steps { margin:1.75rem 0 2rem; }
.debt-step { display:flex; gap:1.25rem; align-items:flex-start; padding-bottom:1.5rem; position:relative; }
.debt-step:not(:last-child)::after { content:''; position:absolute; left:18px; top:40px; bottom:0; width:2px; background:var(--navy-light); }
.ds-num { width:38px; height:38px; border-radius:50%; background:var(--gold); color:var(--navy); display:flex; align-items:center; justify-content:center; font-family:'DM Serif Display',serif; font-size:1rem; flex-shrink:0; z-index:1; font-weight:700; }
.ds-body { flex:1; padding-top:0.25rem; }
.ds-body h4 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:0.3rem; }
.ds-body p { font-size:0.9rem; color:var(--text-muted); margin:0; line-height:1.6; }

/* ── Callout box (inline within prose — quick summary / warning) ── */
.prose .callout { border-left:4px solid var(--gold); background:var(--gold-light); border-radius:0 var(--radius) var(--radius) 0; padding:1rem 1.25rem; margin:1.8rem 0; }
.prose .callout-title { font-weight:700; color:var(--navy); font-size:0.9rem; text-transform:uppercase; letter-spacing:0.05em; margin-bottom:0.4rem; }
.prose .callout p { margin:0; font-size:0.97rem; }
.prose .callout-navy { border-left-color:var(--navy-mid); background:var(--navy-light); }
.prose .callout-navy .callout-title { color:var(--navy); }

/* ── Distinctly-named comparison table (dv- prefix) — this is a DIFFERENT
   design (thead/tbody structured, tick/cross icons) than the already-shared
   .compare-table used elsewhere. Renamed rather than reused to avoid a
   real specificity/structure collision with that component. ── */
.prose .dv-compare-table-wrap { overflow-x:auto; margin:1.8rem 0; border-radius:var(--radius); box-shadow:0 2px 12px rgba(15,37,87,0.08); }
.prose .dv-compare-table { width:100%; border-collapse:collapse; font-size:0.95rem; background:var(--white); }
.prose .dv-compare-table thead { background:var(--navy); color:var(--white); }
.prose .dv-compare-table thead th { padding:0.85rem 1rem; text-align:left; font-weight:600; font-size:0.9rem; }
.prose .dv-compare-table thead th:first-child { border-radius:var(--radius) 0 0 0; }
.prose .dv-compare-table thead th:last-child { border-radius:0 var(--radius) 0 0; }
.prose .dv-compare-table tbody tr:nth-child(even) { background:var(--navy-light); }
.prose .dv-compare-table tbody td { padding:0.75rem 1rem; border-bottom:1px solid var(--border); vertical-align:top; }
.prose .dv-compare-table tbody td:first-child { font-weight:600; color:var(--navy); white-space:nowrap; }
.dv-tick { color:#27a560; font-weight:700; }
.dv-cross { color:#c0392b; font-weight:700; }

/* ── Scenario cards ("use credit for X / use debit for Y") ── */
.prose .scenario-grid { display:grid; grid-template-columns:1fr 1fr; gap:1.1rem; margin:1.8rem 0; }
@media(max-width:580px){ .prose .scenario-grid { grid-template-columns:1fr; } }
.scenario-card { background:var(--white); border:1px solid var(--border); border-radius:var(--radius); padding:1.15rem 1.2rem; box-shadow:0 2px 8px rgba(15,37,87,0.06); }
.scenario-card .sc-label { font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.07em; margin-bottom:0.5rem; }
.sc-credit .sc-label { color:var(--navy-mid); }
.sc-debit .sc-label { color:#5f6a7a; }
.sc-both .sc-label { color:var(--gold-dark); }
.scenario-card h4 { font-size:0.97rem; font-weight:600; color:var(--navy); margin-bottom:0.4rem; }
.scenario-card p { font-size:0.9rem; color:var(--text-muted); margin:0; }

/* ── Takeaway box (bulleted variant of the key-points pattern — kept
   distinct rather than merged, since its list style is intentionally
   different: plain bullets vs. key-points' divided rows) ── */
.prose .takeaway-box { background:var(--navy); color:var(--white); border-radius:var(--radius); padding:1.5rem 1.6rem; margin:2.2rem 0; }
.prose .takeaway-box h3 { color:var(--gold); font-family:'DM Serif Display',serif; font-size:1.2rem; margin-bottom:0.8rem; }
.prose .takeaway-box ul { margin:0; padding-left:1.25rem; }
.prose .takeaway-box li { color:rgba(255,255,255,0.88); margin-bottom:0.45rem; font-size:0.97rem; }

/* ── Prev/next post navigation (first use of this pattern — a genuinely
   useful feature not yet present on other posts; worth considering
   sitewide later, not retrofitted here to avoid scope creep) ── */
.post-nav { display:flex; justify-content:space-between; gap:1rem; margin-top:3rem; padding-top:2rem; border-top:1px solid var(--navy-light); flex-wrap:wrap; }
.post-nav-link { display:flex; align-items:center; gap:0.5rem; font-size:0.9rem; font-weight:500; color:var(--navy-mid); padding:0.6rem 1rem; border:1px solid var(--navy-light); border-radius:var(--radius); background:var(--white); transition:border-color 0.2s,background 0.2s; }
.post-nav-link:hover { border-color:var(--gold); background:var(--gold-light); }
.post-nav-link .nav-label { font-size:0.75rem; font-weight:400; color:var(--text-muted); display:block; }

/* Small typography enhancement applied sitewide: bold text in prose reads navy, matching brand */
.prose strong { color: var(--navy); }

/* ── Mistake-card grid (red-topped warning cards) ── */
.prose .mistake-grid { display:grid; grid-template-columns:1fr 1fr; gap:1rem; margin:1.5rem 0; }
@media(max-width:580px){ .prose .mistake-grid { grid-template-columns:1fr; } }
.mistake-card { background:var(--white); border:1px solid var(--border); border-top:3px solid #c0392b; border-radius:var(--radius); padding:1.1rem 1.15rem; box-shadow:0 2px 8px rgba(15,37,87,0.05); }
.mistake-card h4 { font-size:0.97rem; font-weight:600; color:var(--navy); margin-bottom:0.35rem; }
.mistake-card p { font-size:0.88rem; color:var(--text-muted); margin:0; }

/* ── Earnings breakdown box (running total calculation) ── */
.prose .earnings-box { background:var(--gold-light); border:1px solid var(--gold); border-radius:var(--radius); padding:1.4rem 1.5rem; margin:1.8rem 0; }
.earnings-box h4 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:1rem; }
.earnings-row { display:flex; justify-content:space-between; align-items:center; padding:0.45rem 0; border-bottom:1px solid rgba(201,168,76,0.3); font-size:0.95rem; }
.earnings-row:last-of-type { border-bottom:none; }
.earnings-row .er-label { color:var(--text); }
.earnings-row .er-value { font-weight:700; color:var(--navy); }
.earnings-total { display:flex; justify-content:space-between; align-items:center; margin-top:0.8rem; padding-top:0.8rem; border-top:2px solid var(--gold); font-size:1.05rem; font-weight:700; color:var(--navy); }
.earnings-total .et-value { color:var(--gold-dark); font-size:1.2rem; }

/* Rate highlight spans (used inline within .dv-compare-table cells) */
.rate-high { color:#27a560; font-weight:700; }
.rate-med  { color:var(--gold-dark); font-weight:600; }