/* ============================================================
   HELOCEdge.com — style.css
   All site-wide styles live here. Never use inline <style>
   blocks on individual pages. Edit here, applies everywhere.
   Last updated: June 2026 | Publisher: Mike Lucas
   ============================================================ */

/* ── CSS VARIABLES (locked — do not change) ── */
:root {
  --navy: #0f2557;
  --navy-mid: #1a3a6b;
  --navy-light: #e8eef7;
  --gold: #c9a84c;
  --gold-dark: #a07c28;
  --gold-light: #f5ecd4;
  --white: #ffffff;
  --bg: #f9f8f6;
  --text: #1a1a2e;
  --text-muted: #5f5e5a;
  --border: rgba(0,0,0,0.10);
}

/* ── RESET ── */
*, *::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;
}

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

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

/* Homepage hero extras */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); padding: 4.5rem 2rem 4rem; text-align: center; }
.hero-inner { max-width: 820px; margin: 0 auto; }
.hero h1 { font-family: 'DM Serif Display', serif; font-size: clamp(2rem, 4.5vw, 3rem); color: var(--white); line-height: 1.2; margin-bottom: 1.1rem; }
.hero-sub { font-size: 1.05rem; color: rgba(255,255,255,0.7); max-width: 560px; margin: 0 auto 2rem; line-height: 1.7; }
.hero-stats { display: flex; justify-content: center; gap: 2.5rem; flex-wrap: wrap; margin-top: 2.5rem; padding-top: 2.5rem; border-top: 1px solid rgba(255,255,255,0.1); }
.hero-stat { text-align: center; }
.hero-stat-number { font-family: 'DM Serif Display', serif; font-size: 2rem; color: var(--gold); display: block; }
.hero-stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.55); margin-top: 0.2rem; }

/* ── MAIN CONTENT LAYOUT (2-column) ── */
.main-wrap { max-width: 1060px; margin: 0 auto; padding: 2.5rem 2rem 4rem; display: grid; grid-template-columns: 1fr 280px; gap: 3rem; align-items: start; }

/* ── SECTION UTILITIES ── */
.section-label { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.8px; color: var(--gold-dark); margin-bottom: 0.6rem; }

/* ── QUIZ ── */
.quiz-section { background: var(--white); border-bottom: 1px solid var(--border); padding: 3rem 2rem; }
.quiz-inner { max-width: 760px; margin: 0 auto; text-align: center; }
.quiz-inner h2 { font-family: 'DM Serif Display', serif; font-size: 1.75rem; color: var(--navy); margin-bottom: 0.6rem; }
.quiz-inner p { color: var(--text-muted); font-size: 0.95rem; margin-bottom: 2rem; }
.quiz-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; margin-bottom: 1.5rem; }
.quiz-btn { background: var(--bg); border: 2px solid var(--border); border-radius: 12px; padding: 1.1rem 1rem; cursor: pointer; transition: border-color 0.18s, background 0.18s; text-align: left; font-family: 'DM Sans', sans-serif; }
.quiz-btn:hover { border-color: var(--navy); background: var(--navy-light); }
.quiz-btn.selected { border-color: var(--gold); background: var(--gold-light); }
.quiz-btn i { font-size: 1.4rem; color: var(--navy); display: block; margin-bottom: 0.5rem; }
.quiz-btn strong { display: block; font-size: 0.88rem; color: var(--navy); font-weight: 600; margin-bottom: 0.2rem; }
.quiz-btn span { font-size: 0.78rem; color: var(--text-muted); line-height: 1.4; }
.quiz-result { display: none; background: var(--navy-light); border: 1px solid rgba(15,37,87,0.15); border-radius: 12px; padding: 1.25rem 1.5rem; text-align: left; }
.quiz-result.visible { display: block; }
.quiz-result-label { font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.6px; color: var(--gold-dark); margin-bottom: 0.4rem; }
.quiz-result h3 { font-family: 'DM Serif Display', serif; font-size: 1.2rem; color: var(--navy); margin-bottom: 0.4rem; }
.quiz-result p { font-size: 0.87rem; color: var(--text-muted); margin-bottom: 1rem; line-height: 1.65; }
.quiz-result a { display: inline-flex; align-items: center; gap: 0.4rem; background: var(--navy); color: var(--white); font-size: 0.85rem; font-weight: 600; padding: 0.55rem 1.1rem; border-radius: 8px; text-decoration: none; transition: background 0.18s; }
.quiz-result a:hover { background: var(--navy-mid); }

/* ── CALCULATOR GRID (homepage) ── */
.calc-section { padding: 3.5rem 2rem; }
.calc-inner { max-width: 1060px; margin: 0 auto; }
.calc-section-header { margin-bottom: 2rem; }
.calc-section-header h2 { font-family: 'DM Serif Display', serif; font-size: 1.65rem; color: var(--navy); margin-bottom: 0.3rem; }
.calc-section-header p { color: var(--text-muted); font-size: 0.92rem; }
.calc-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.25rem; }
.calc-card { background: var(--white); border: 1px solid var(--border); border-radius: 14px; padding: 1.5rem; transition: box-shadow 0.18s, border-color 0.18s; text-decoration: none; display: flex; flex-direction: column; gap: 0.75rem; }
.calc-card:hover { box-shadow: 0 4px 18px rgba(15,37,87,0.1); border-color: rgba(15,37,87,0.2); }
.calc-card-icon { width: 42px; height: 42px; background: var(--navy-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.calc-card-icon i { color: var(--navy); font-size: 1.3rem; }
.calc-card-badge { font-size: 0.68rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; padding: 0.2rem 0.55rem; border-radius: 100px; align-self: flex-start; }
.badge-core { background: var(--gold-light); color: var(--gold-dark); }
.badge-compare { background: var(--navy-light); color: var(--navy); }
.badge-plan { background: #f0fdf4; color: #166534; }
.calc-card h3 { font-family: 'DM Serif Display', serif; font-size: 1.05rem; color: var(--navy); line-height: 1.3; }
.calc-card p { font-size: 0.83rem; color: var(--text-muted); line-height: 1.6; flex-grow: 1; }
.calc-card-link { font-size: 0.82rem; font-weight: 600; color: var(--gold-dark); display: flex; align-items: center; gap: 0.3rem; margin-top: auto; }
.calc-card:hover .calc-card-link { color: var(--navy); }

/* ── HOW IT WORKS ── */
.how-section { background: var(--navy); padding: 4rem 2rem; }
.how-inner { max-width: 1060px; margin: 0 auto; }
.how-inner .section-label { color: var(--gold); }
.how-inner h2 { font-family: 'DM Serif Display', serif; font-size: 1.75rem; color: var(--white); margin-bottom: 2.5rem; }
.how-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 2rem; }
.how-step { display: flex; flex-direction: column; gap: 0.75rem; }
.how-step-num { font-family: 'DM Serif Display', serif; font-size: 2.5rem; color: var(--gold); opacity: 0.5; line-height: 1; }
.how-step h3 { font-size: 1rem; font-weight: 600; color: var(--white); }
.how-step p { font-size: 0.85rem; color: rgba(255,255,255,0.6); line-height: 1.7; }

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

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

/* ── FAQ ACCORDION ── */
.faq-section { padding: 3.5rem 2rem; background: var(--white); }
.faq-inner { max-width: 760px; margin: 0 auto; }
.faq-inner h2 { font-family: 'DM Serif Display', serif; font-size: 1.65rem; color: var(--navy); margin-bottom: 1.5rem; }
.faq-list { display: flex; flex-direction: column; gap: 0; border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:last-child { border-bottom: none; }
.faq-q { width: 100%; background: var(--white); border: none; padding: 1.1rem 1.4rem; text-align: left; font-family: 'DM Sans', sans-serif; font-size: 0.92rem; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; transition: background 0.15s; }
.faq-q:hover { background: var(--navy-light); }
.faq-q i { flex-shrink: 0; font-size: 1rem; color: var(--gold-dark); transition: transform 0.2s; }
.faq-q.open i { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 1.4rem 1.1rem; background: var(--white); font-size: 0.9rem; color: var(--text-muted); line-height: 1.75; }
.faq-a.open { display: block; }

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

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

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

/* ── BOTTOM WRAP (author + disclaimer container) ── */
.bottom-wrap { max-width: 1060px; margin: 0 auto; padding: 2.5rem 2rem 1rem; }

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

/* ── SIDEBAR ── */
.sidebar-card { background: var(--white); border: 1px solid var(--border); border-radius: 14px; padding: 1.25rem 1.5rem; margin-bottom: 1.5rem; }
.sidebar-card h3 { font-family: 'DM Serif Display', serif; font-size: 1rem; color: var(--navy); margin-bottom: 0.75rem; }
.sidebar-card ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.sidebar-card a { font-size: 0.85rem; color: var(--navy-mid); text-decoration: none; display: flex; align-items: center; gap: 0.4rem; }
.sidebar-card a:hover { color: var(--gold-dark); }

/* ── CALCULATOR WIDGET (shared across all calculator pages) ── */
.calc-widget { background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 2rem; margin-bottom: 2rem; }
.calc-widget h2 { font-family: 'DM Serif Display', serif; font-size: 1.3rem; color: var(--navy); margin-bottom: 0.3rem; }
.calc-widget-sub { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 1.75rem; }

.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-bottom: 1rem; }
.field { display: flex; flex-direction: column; gap: 0.4rem; }
.field label { font-size: 0.8rem; font-weight: 600; color: var(--navy); display: flex; align-items: center; gap: 0.35rem; }
.field label .ti-info-circle { font-size: 0.85rem; color: var(--text-muted); cursor: help; }
.field-input-wrap { position: relative; display: flex; align-items: center; }
.field-prefix, .field-suffix { position: absolute; font-size: 0.9rem; color: var(--text-muted); pointer-events: none; }
.field-prefix { left: 0.9rem; }
.field-suffix { right: 0.9rem; }
.field input { width: 100%; padding: 0.7rem 0.9rem; border: 1.5px solid var(--border); border-radius: 8px; font-size: 0.95rem; font-family: 'DM Sans', sans-serif; color: var(--text); transition: border-color 0.18s; }
.field input:focus { outline: none; border-color: var(--navy); }
.field input.with-prefix { padding-left: 1.8rem; }
.field input.with-suffix { padding-right: 2.2rem; }
.field-hint { font-size: 0.74rem; color: var(--text-muted); }

.rate-explainer { background: var(--navy-light); border-radius: 8px; padding: 0.85rem 1rem; font-size: 0.78rem; color: var(--text-muted); line-height: 1.6; display: flex; gap: 0.6rem; align-items: flex-start; margin-bottom: 1.5rem; }
.rate-explainer i { color: var(--navy); flex-shrink: 0; margin-top: 1px; font-size: 0.95rem; }
.rate-explainer a { color: var(--navy-mid); font-weight: 600; }

.calc-btn { width: 100%; background: var(--gold); color: var(--navy); border: none; border-radius: 8px; padding: 0.85rem; font-size: 0.95rem; font-weight: 700; font-family: 'DM Sans', sans-serif; cursor: pointer; transition: background 0.18s; display: flex; align-items: center; justify-content: center; gap: 0.5rem; }
.calc-btn:hover { background: var(--gold-dark); }

.results { display: none; margin-top: 2rem; padding-top: 2rem; border-top: 1px solid var(--border); }
.results.visible { display: block; }
.results-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.75rem; }
.result-box { background: var(--navy-light); border-radius: 12px; padding: 1.25rem; text-align: center; }
.result-box.gold { background: var(--gold-light); }
.result-box-label { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; color: var(--text-muted); margin-bottom: 0.4rem; }
.result-box-value { font-family: 'DM Serif Display', serif; font-size: 1.7rem; color: var(--navy); }
.result-box-sub { font-size: 0.72rem; color: var(--text-muted); margin-top: 0.3rem; }

.results-table-wrap { margin-bottom: 0.5rem; }
.results-table-wrap h3 { font-size: 0.95rem; color: var(--navy); margin-bottom: 0.75rem; font-weight: 600; }

/* ── ARTICLE CONTENT (shared across all calculator/blog pages) ── */
.article-content h2 { font-family: 'DM Serif Display', serif; font-size: 1.4rem; color: var(--navy); margin: 2.25rem 0 1rem; }
.article-content h2:first-child { margin-top: 0; }
.article-content h3 { font-size: 1.05rem; color: var(--navy); margin: 1.5rem 0 0.6rem; font-weight: 600; }
.article-content p { font-size: 0.92rem; color: var(--text); margin-bottom: 1rem; line-height: 1.75; }
.article-content ul, .article-content ol { margin: 0 0 1rem 1.4rem; }
.article-content li { font-size: 0.92rem; color: var(--text); margin-bottom: 0.5rem; line-height: 1.7; }
.article-content strong { color: var(--navy); }

/* ── DEBT ROW (debt consolidation calculator) ── */
.debt-row { display: grid; grid-template-columns: 1.5fr 1fr 1fr auto; gap: 0.75rem; align-items: end; margin-bottom: 0.75rem; }
.debt-row .field { margin-bottom: 0; }
.debt-row label { font-size: 0.72rem; }
.remove-debt-btn { background: #fef2f2; color: #dc2626; border: 1px solid #fecaca; border-radius: 8px; width: 38px; height: 38px; display: flex; align-items: center; justify-content: center; cursor: pointer; flex-shrink: 0; transition: background 0.18s; }
.remove-debt-btn:hover { background: #fee2e2; }
.add-debt-btn { background: var(--navy-light); color: var(--navy); border: 1px dashed rgba(15,37,87,0.3); border-radius: 8px; padding: 0.6rem; font-size: 0.83rem; font-weight: 600; width: 100%; cursor: pointer; margin: 0.5rem 0 1.5rem; display: flex; align-items: center; justify-content: center; gap: 0.4rem; transition: background 0.18s; }
.add-debt-btn:hover { background: rgba(15,37,87,0.12); }
.debt-row-header { display: grid; grid-template-columns: 1.5fr 1fr 1fr auto; gap: 0.75rem; margin-bottom: 0.5rem; }
.debt-row-header span { font-size: 0.7rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; color: var(--text-muted); }

/* ── LTV GAUGE (LTV calculator) ── */
.ltv-gauge-wrap { text-align: center; margin: 0.5rem 0 1.75rem; }
.ltv-gauge-value { font-family: 'DM Serif Display', serif; font-size: 2.75rem; color: var(--navy); line-height: 1; }
.ltv-gauge-label { font-size: 0.8rem; color: var(--text-muted); margin-top: 0.3rem; }
.ltv-bar-track { width: 100%; height: 14px; background: var(--bg); border-radius: 100px; overflow: hidden; margin-top: 1rem; border: 1px solid var(--border); }
.ltv-bar-fill { height: 100%; border-radius: 100px; transition: width 0.4s ease, background 0.4s ease; }
.ltv-bar-marks { display: flex; justify-content: space-between; font-size: 0.68rem; color: var(--text-muted); margin-top: 0.4rem; }
.ltv-status-pill { display: inline-flex; align-items: center; gap: 0.4rem; font-size: 0.8rem; font-weight: 600; padding: 0.35rem 0.9rem; border-radius: 100px; margin-top: 1rem; }
.ltv-status-good { background: #f0fdf4; color: #166534; }
.ltv-status-warn { background: #fff7ed; color: #c2410c; }
.ltv-status-bad { background: #fef2f2; color: #b91c1c; }

/* ── COMING SOON CARD (calculators index) ── */
.coming-soon-card { opacity: 0.55; pointer-events: none; position: relative; }
.coming-soon-tag { position: absolute; top: 1rem; right: 1rem; font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.4px; background: var(--bg); color: var(--text-muted); padding: 0.2rem 0.5rem; border-radius: 100px; border: 1px solid var(--border); }

/* ── CONTACT FORM ── */
.contact-form { display: flex; flex-direction: column; gap: 1.1rem; max-width: 540px; }
.contact-form textarea { width: 100%; padding: 0.7rem 0.9rem; border: 1.5px solid var(--border); border-radius: 8px; font-size: 0.95rem; font-family: 'DM Sans', sans-serif; color: var(--text); resize: vertical; min-height: 130px; transition: border-color 0.18s; }
.contact-form textarea:focus, .contact-form input:focus { outline: none; border-color: var(--navy); }
.form-success { display: none; background: #f0fdf4; border: 1px solid #bbf7d0; color: #166534; border-radius: 10px; padding: 1rem 1.25rem; font-size: 0.88rem; }
.form-success.visible { display: block; }

/* ── BLOG CARDS (blog index) ── */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.5rem; }
.blog-card { background: var(--white); border: 1px solid var(--border); border-radius: 14px; padding: 1.5rem; transition: box-shadow 0.18s, border-color 0.18s; text-decoration: none; display: flex; flex-direction: column; gap: 0.75rem; }
.blog-card:hover { box-shadow: 0 4px 18px rgba(15,37,87,0.1); border-color: rgba(15,37,87,0.2); }
.blog-card-category { font-size: 0.68rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; color: var(--gold-dark); }
.blog-card h2 { font-family: 'DM Serif Display', serif; font-size: 1.2rem; color: var(--navy); line-height: 1.35; }
.blog-card p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.65; flex-grow: 1; }
.blog-card-meta { display: flex; align-items: center; gap: 0.5rem; font-size: 0.75rem; color: var(--text-muted); margin-top: auto; }
.blog-card-link { font-size: 0.82rem; font-weight: 600; color: var(--gold-dark); display: flex; align-items: center; gap: 0.3rem; }
.blog-card:hover .blog-card-link { color: var(--navy); }

/* ── INTEREST-ONLY SCENARIO GRID ── */
.draw-scenario-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1.5rem 0; }
.draw-scenario { background: var(--bg); border: 1px solid var(--border); border-radius: 10px; padding: 1rem; text-align: center; }
.draw-scenario-amount { font-family: 'DM Serif Display', serif; font-size: 1.1rem; color: var(--navy); margin-bottom: 0.2rem; }
.draw-scenario-label { font-size: 0.72rem; color: var(--text-muted); }

/* ── HOME EQUITY TRACKER ── */
.equity-bar-wrap { margin: 1.5rem 0; }
.equity-bar-row { display: flex; align-items: center; gap: 1rem; margin-bottom: 0.75rem; }
.equity-bar-label { font-size: 0.78rem; color: var(--text-muted); width: 60px; flex-shrink: 0; text-align: right; }
.equity-bar-track { flex-grow: 1; height: 22px; background: var(--bg); border-radius: 100px; overflow: hidden; border: 1px solid var(--border); }
.equity-bar-equity { height: 100%; background: var(--navy); border-radius: 100px 0 0 100px; transition: width 0.4s ease; }
.equity-bar-value { font-size: 0.78rem; font-weight: 600; color: var(--navy); width: 80px; flex-shrink: 0; }
.equity-milestone { background: var(--navy-light); border: 1px solid rgba(15,37,87,0.12); border-radius: 10px; padding: 0.85rem 1.1rem; margin-bottom: 0.75rem; display: flex; justify-content: space-between; align-items: center; }
.equity-milestone-label { font-size: 0.83rem; color: var(--navy); font-weight: 600; }
.equity-milestone-value { font-size: 0.83rem; color: var(--text-muted); }
.equity-milestone.reached { background: #f0fdf4; border-color: #bbf7d0; }
.equity-milestone.reached .equity-milestone-label { color: #166534; }

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
  .nav { position: relative; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 62px; left: 0; right: 0; background: var(--navy); padding: 1rem 2rem 1.5rem; gap: 0.25rem; border-bottom: 1px solid rgba(255,255,255,0.1); z-index: 99; }
  .nav-mobile-toggle { display: block; }
  .main-wrap { grid-template-columns: 1fr; padding: 2rem 1.25rem; gap: 2rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-stats { gap: 1.5rem; }
  .how-grid { grid-template-columns: 1fr; }
  .field-grid { grid-template-columns: 1fr; }
  .results-summary { grid-template-columns: 1fr; }
  .debt-row, .debt-row-header { grid-template-columns: 1fr 1fr; }
  .debt-row-header span:nth-child(3), .debt-row-header span:nth-child(4) { display: none; }
  .draw-scenario-grid { grid-template-columns: 1fr; }
  .equity-bar-label { width: 40px; font-size: 0.7rem; }
}