/* ============================================================
   Florida DSCR Loan Guide — Design System v3 "Coastal Ledger"
   All-light theme · mint gradients + dot pattern · navy ink
   Brand: navy #0F1E3D · green #00A862 · Geist / Geist Mono
   ============================================================ */

:root{
  --primary:#0F1E3D;
  --primary-soft:#1B2F55;
  --accent:#00A862;
  --accent-ink:#00754B;
  --accent-btn:#007A4D;
  --mint:#E9F6EF;
  --mint-deep:#DDF0E6;
  --mint-line:#C6E6D6;
  --bg:#F7FAF9;
  --surface:#FFFFFF;
  --ink:#16203A;
  --ink-soft:#4A5878;
  --ink-faint:#63708D;
  --line:#E2E9E9;
  --line-strong:#C9D6D4;
  --gold:#B98A2F;
  --radius:16px;
  --radius-sm:10px;
  --radius-btn:12px;
  --shadow:0 1px 2px rgba(15,30,61,.05),0 12px 32px -16px rgba(15,30,61,.12);
  --shadow-lift:0 2px 6px rgba(15,30,61,.06),0 20px 48px -20px rgba(15,30,61,.18);
  --dots:radial-gradient(rgba(15,30,61,.055) 1px,transparent 1px);
  --dots-size:22px 22px;
  --font-sans:"Geist",system-ui,-apple-system,"Segoe UI",sans-serif;
  --font-mono:"Geist Mono",ui-monospace,"SF Mono",monospace;
  --wrap:1200px;
  --wrap-narrow:800px;
  --header-h:70px;
  --ease:cubic-bezier(.22,1,.36,1);
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 20px)}
body{font-family:var(--font-sans);background:var(--bg);color:var(--ink);line-height:1.68;font-size:1.0625rem;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{display:block;max-width:100%}
a{color:var(--accent-ink);text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:3px}
::selection{background:var(--primary);color:#fff}
:focus-visible{outline:2.5px solid var(--accent);outline-offset:2px;border-radius:4px}
.hidden{display:none!important}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(1.1rem,4vw,2.25rem)}
.wrap-narrow{max-width:var(--wrap-narrow);margin:0 auto;padding:0 clamp(1.1rem,4vw,2.25rem)}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--primary);color:#fff;padding:.8rem 1.2rem;z-index:200;border-radius:0 0 var(--radius-sm) 0;font-weight:600}
.skip-link:focus{left:0}

/* ---------- Typography ---------- */
h1,h2,h3,h4{font-weight:650;line-height:1.13;letter-spacing:-.022em;color:var(--primary);text-wrap:balance}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.5rem,2.9vw,2.1rem)}
h3{font-size:clamp(1.16rem,1.9vw,1.36rem)}
h4{font-size:1.06rem}
.kicker{font-family:var(--font-mono);font-size:.76rem;font-weight:500;letter-spacing:.15em;text-transform:uppercase;color:var(--accent-ink);display:flex;align-items:center;gap:.55rem;margin-bottom:.9rem}
.kicker::before{content:"";width:24px;height:2px;background:var(--accent);border-radius:2px}
.lede{font-size:clamp(1.08rem,1.75vw,1.26rem);color:var(--ink-soft);line-height:1.6;max-width:54ch}
.em-italic{font-style:italic;color:var(--accent-ink)}
.mono{font-family:var(--font-mono)}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;font-family:var(--font-sans);font-weight:600;font-size:1rem;padding:.8rem 1.6rem;min-height:48px;border-radius:var(--radius-btn);border:1.5px solid transparent;cursor:pointer;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s,border-color .18s;touch-action:manipulation}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-btn);box-shadow:0 12px 28px -12px rgba(0,122,77,.5)}
.btn-accent{background:var(--accent);color:#fff}
.btn-accent:hover{background:var(--accent-btn);box-shadow:0 12px 28px -12px rgba(0,122,77,.5)}
.btn-navy{background:var(--primary);color:#fff}
.btn-navy:hover{background:var(--primary-soft)}
.btn-ghost{background:var(--surface);color:var(--primary);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--primary)}
.btn-lg{padding:.95rem 2rem;font-size:1.06rem;min-height:54px}
.btn svg{width:18px;height:18px;flex:none}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.93);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);transition:box-shadow .25s var(--ease)}
.site-header.scrolled{box-shadow:0 8px 28px -16px rgba(15,30,61,.22)}
.header-inner{display:flex;align-items:center;gap:2.2rem;height:var(--header-h)}
.logo{display:flex;align-items:center;margin-right:auto}
.logo:hover{text-decoration:none}
.logo img{height:44px;width:auto}
.main-nav{display:flex;gap:1.6rem;margin-left:auto}
.main-nav a{color:var(--ink-soft);font-weight:500;font-size:.96rem;padding:.5rem 0;position:relative}
.main-nav a::after{content:"";position:absolute;left:0;right:100%;bottom:2px;height:2px;background:var(--accent);border-radius:2px;transition:right .22s var(--ease)}
.main-nav a:hover{color:var(--primary);text-decoration:none}
.main-nav a:hover::after{right:0}
.header-cta{display:flex;align-items:center;gap:1rem}
.phone-link{display:inline-flex;align-items:center;gap:.45rem;font-family:var(--font-mono);font-weight:600;font-size:.92rem;color:var(--primary);min-height:44px}
.phone-link svg{width:16px;height:16px;color:var(--accent-ink);flex:none}
.phone-link:hover{text-decoration:none;color:var(--accent-ink)}
.header-cta .btn{padding:.62rem 1.3rem;min-height:44px;font-size:.95rem}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:.55rem;min-width:44px;min-height:44px}
.nav-toggle svg{width:26px;height:26px;color:var(--primary)}

/* Reading progress */
.progress-track{position:sticky;top:var(--header-h);z-index:59;height:3px;margin-top:-3px;pointer-events:none}
.progress-track i{display:block;height:100%;width:0;background:var(--accent)}

/* ---------- Hero ---------- */
.hero{position:relative;padding:clamp(3rem,7vw,5.6rem) 0 0;background:
  radial-gradient(52rem 26rem at 85% -10%,var(--mint) 0%,transparent 62%),
  radial-gradient(40rem 22rem at -10% 110%,var(--mint) 0%,transparent 60%),
  linear-gradient(180deg,#FDFEFD 0%,var(--bg) 100%)}
.hero::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);mask-image:linear-gradient(180deg,rgba(0,0,0,.7),transparent 70%);pointer-events:none}
.hero>.wrap{position:relative}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:clamp(2rem,5vw,4rem);align-items:start;padding-bottom:clamp(2.4rem,5vw,3.8rem)}
.hero .lede{margin:1.3rem 0 2rem}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.9rem;margin-bottom:1.8rem}
.trust-chips{display:flex;flex-wrap:wrap;gap:.6rem 1.5rem;font-size:.88rem;color:var(--ink-soft)}
.trust-chips span{display:inline-flex;align-items:center;gap:.42rem}
.trust-chips svg{width:15px;height:15px;color:var(--accent);flex:none}

/* Goal triage — connected ledger panel */
.triage{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lift);overflow:hidden}
.triage-label{font-family:var(--font-mono);font-size:.7rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-faint);padding:1.05rem 1.4rem .85rem;border-bottom:1px solid var(--line);background:linear-gradient(180deg,#FBFDFC,var(--surface))}
.goal-link{position:relative;display:flex;flex-direction:column;gap:.4rem;padding:1.5rem 4.2rem 1.5rem 1.6rem;color:var(--ink);border-bottom:1px solid var(--line);transition:background .16s}
.goal-link:last-child{border-bottom:none}
.goal-link:hover{text-decoration:none;background:linear-gradient(90deg,var(--mint) 0%,transparent 70%)}
.goal-link .g-kicker{font-family:var(--font-mono);font-size:.66rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--accent-ink)}
.goal-link strong{font-size:1.12rem;font-weight:650;color:var(--primary);letter-spacing:-.015em;line-height:1.3}
.goal-link .g-sub{font-size:.9rem;color:var(--ink-soft);line-height:1.5}
.goal-link .g-arrow{position:absolute;right:1.4rem;top:50%;translate:0 -50%;display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--mint);color:var(--accent-ink);transition:background .18s,color .18s,transform .18s var(--ease)}
.goal-link:hover .g-arrow{background:var(--accent);color:#fff;transform:translateX(3px)}
.goal-link .g-arrow svg{width:17px;height:17px}

/* Hero stat strip (light) */
.hero-stats{position:relative;border-top:1px solid var(--line);background:rgba(255,255,255,.6);backdrop-filter:blur(4px)}
.hero-stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(1rem,3vw,2.4rem);padding-top:1.4rem;padding-bottom:1.4rem}

.hero-stats .stat-n{font-family:var(--font-mono);font-size:clamp(1.35rem,2.6vw,1.8rem);font-weight:700;color:var(--primary);line-height:1.15}
.hero-stats .stat-l{font-size:.82rem;color:var(--ink-soft);margin-top:.2rem;line-height:1.4}

/* Legacy stat-row (about) */
.stat-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1.8rem}
.stat-row .stat{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem 1.4rem;box-shadow:var(--shadow)}
.stat-n{font-family:var(--font-mono);font-size:clamp(1.5rem,2.8vw,2rem);font-weight:700;color:var(--primary)}
.stat-l{font-size:.85rem;color:var(--ink-soft);margin-top:.15rem}

/* ---------- Sections ---------- */
section{padding:clamp(2.9rem,6.4vw,5.2rem) 0}
.section-alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-navy{position:relative;background:linear-gradient(135deg,var(--mint) 0%,#F3FAF6 55%,var(--bg) 100%);color:var(--ink);border-top:1px solid var(--mint-line);border-bottom:1px solid var(--mint-line)}
.section-navy::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);pointer-events:none}
.section-navy>.wrap{position:relative}
.section-navy h2,.section-navy h3{color:var(--primary)}
.section-head{max-width:660px;margin-bottom:clamp(1.7rem,3.8vw,2.8rem)}
.section-head p{color:var(--ink-soft);margin-top:.75rem}
.section-navy .section-head p{color:var(--ink-soft)}

.answer-strip{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:clamp(1.6rem,3.5vw,2.4rem) 0}
.answer-strip .wrap{display:grid;grid-template-columns:1.35fr .65fr;gap:clamp(1.2rem,3vw,2.2rem)}
.answer-strip .quick-answer{margin:0}

/* ---------- Quick Answer ---------- */
.quick-answer{background:var(--mint);border:1px solid var(--mint-line);border-left:4px solid var(--accent);border-radius:var(--radius-sm);padding:1.35rem 1.55rem;margin:1.6rem 0}
.quick-answer .qa-label{font-family:var(--font-mono);font-size:.7rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--accent-ink);margin-bottom:.5rem}
.quick-answer p{color:var(--ink);font-size:1.01rem;line-height:1.6}

/* ---------- Calculator ---------- */
.calc-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.calc-grid{display:grid;grid-template-columns:1fr 1fr}
.calc-inputs{padding:clamp(1.4rem,3vw,2.2rem)}
.calc-inputs label{display:block;font-size:.85rem;font-weight:600;color:var(--primary);margin:1rem 0 .35rem}
.calc-inputs label:first-of-type{margin-top:0}
.calc-inputs .hint{font-weight:400;color:var(--ink-faint);font-size:.78rem}
.calc-inputs input{width:100%;font-family:var(--font-mono);font-size:1.05rem;padding:.72rem .9rem;min-height:48px;border:1.5px solid var(--line-strong);border-radius:var(--radius-sm);background:var(--bg);color:var(--ink);transition:border-color .15s,background .15s}
.calc-inputs input:focus{outline:none;border-color:var(--accent);background:#fff;box-shadow:0 0 0 3px rgba(0,168,98,.14)}
.calc-pair{display:grid;grid-template-columns:1fr 1fr;gap:.9rem;padding-top:.8rem}
.calc-result{position:relative;background:linear-gradient(160deg,var(--mint) 0%,#F2F9F5 100%);border-left:1px solid var(--mint-line);padding:clamp(1.4rem,3vw,2.2rem);display:flex;flex-direction:column;justify-content:center;gap:.4rem}
.calc-result::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);pointer-events:none}
.calc-result>*{position:relative}
.calc-result .ratio-label{font-family:var(--font-mono);font-size:.74rem;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint)}
.calc-result .ratio-value{font-family:var(--font-mono);font-size:clamp(3rem,6vw,4.2rem);font-weight:700;line-height:1;color:var(--primary)}
.calc-result .ratio-detail{font-size:.78rem;color:var(--ink-faint);min-height:1.2em;margin-top:.2rem}
.calc-result .ratio-verdict{font-size:.98rem;color:var(--ink-soft);min-height:3.2em}
.calc-result .ratio-bar{height:8px;border-radius:99px;background:rgba(15,30,61,.09);overflow:hidden;margin:.8rem 0 .4rem}
.calc-result .ratio-bar i{display:block;height:100%;width:0;background:var(--accent);border-radius:99px;transition:width .5s var(--ease)}
.calc-cta{padding:2rem 0 1.6rem;display:flex;flex-wrap:wrap;align-items:center;gap:1rem;justify-content:flex-start;background:transparent}
.calc-note{flex-basis:100%;width:100%;text-align:center;padding:1.2rem clamp(1.4rem,3vw,2.2rem) 1rem;font-size:.85rem;color:var(--ink-soft)}

/* ---------- Requirement cards ---------- */
.req-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:1rem}
.req-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem 1.4rem}
.req-card svg{width:26px;height:26px;color:var(--accent-ink);margin-bottom:.7rem}
.req-label{font-family:var(--font-mono);font-size:.8rem;font-weight:500;letter-spacing:.03em;color:var(--ink-faint)}
.req-value{font-family:var(--font-mono);font-size:1.55rem;font-weight:700;color:var(--primary);margin:.35rem 0 .4rem}
.req-card p{font-size:.88rem;color:var(--ink-soft);line-height:1.5}

/* ---------- Guides hub ---------- */
.hub-search{margin:0 0 2.2rem;position:relative;display:flex;align-items:center;background:var(--surface);border:1.5px solid var(--line-strong);border-radius:999px;padding:0 .6rem 0 1.2rem;transition:border-color .15s,box-shadow .15s}
.hub-search:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px rgba(0,168,98,.14)}
.hub-search svg{width:19px;height:19px;flex:none;color:var(--ink-faint)}
.hub-search input{flex:1;font-family:var(--font-sans);font-size:1.02rem;padding:1rem .9rem;min-height:56px;border:none;background:transparent;color:var(--ink)}
.hub-search input:focus{outline:none}
.hub-results{font-family:var(--font-mono);font-size:.74rem;color:var(--ink-faint);white-space:nowrap;padding-right:.8rem}
#guides{counter-reset:hubcat}
.hub-cat{position:relative;counter-increment:hubcat;background:linear-gradient(135deg,var(--mint) 0%,#F2F9F5 38%,var(--surface) 100%);border:1px solid var(--mint-line);border-radius:var(--radius);padding:1.8rem 2rem 1.5rem;margin-bottom:1.5rem;box-shadow:var(--shadow);overflow:hidden}
.hub-cat::after{content:counter(hubcat,decimal-leading-zero);position:absolute;top:-1.4rem;right:.6rem;font-family:var(--font-mono);font-weight:700;font-size:7rem;line-height:1;color:var(--primary);opacity:.05;pointer-events:none;letter-spacing:-.05em}
.hub-cat:first-of-type{margin-top:.2rem}
.hub-cat-head{position:relative;display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:1.2rem}
.hub-cat-head h3{font-size:clamp(1.3rem,2.2vw,1.55rem);font-weight:700;letter-spacing:-.02em;display:flex;align-items:center;gap:.75rem}
.hub-cat-head h3::before{content:"";width:10px;height:26px;border-radius:4px;background:linear-gradient(180deg,var(--accent),var(--accent-ink));flex:none}
.hub-cat-head .count{font-family:var(--font-mono);font-size:.72rem;font-weight:600;letter-spacing:.08em;color:#fff;background:var(--accent-ink);border-radius:999px;padding:.32rem .85rem;white-space:nowrap}
.hub-list{position:relative;list-style:none;columns:2;column-gap:1rem}
.hub-list li{break-inside:avoid;margin:0 0 .6rem;display:block}
.hub-list a{position:relative;display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);padding:.7rem 2.3rem .7rem 1rem;color:var(--ink);font-weight:550;font-size:.95rem;line-height:1.42;transition:border-color .16s,box-shadow .18s var(--ease),transform .18s var(--ease),color .15s}
.hub-list a::after{content:"";position:absolute;right:.85rem;top:50%;translate:0 -50%;width:16px;height:16px;background:currentColor;opacity:.35;-webkit-mask:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="black" stroke-width="2.2"><path d="M5 12h14m-6-6 6 6-6 6"/></svg>') center/contain no-repeat;mask:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="black" stroke-width="2.2"><path d="M5 12h14m-6-6 6 6-6 6"/></svg>') center/contain no-repeat;transition:opacity .15s,translate .18s var(--ease)}
.hub-list a:hover{text-decoration:none;border-color:var(--accent);color:var(--accent-ink);box-shadow:var(--shadow-lift);transform:translateY(-2px)}
.hub-list a:hover::after{opacity:1;translate:3px -50%}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;counter-reset:step}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.4rem;counter-increment:step}
.step::before{content:counter(step,decimal-leading-zero);font-family:var(--font-mono);font-weight:700;font-size:.85rem;color:var(--accent-ink);letter-spacing:.08em;display:block;margin-bottom:.7rem}
.step h3,.step h4{font-size:1.08rem;margin-bottom:.45rem}
.step p{font-size:.9rem;color:var(--ink-soft);line-height:1.55}

/* ---------- About ---------- */
.about-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.assurance-row{display:flex;flex-wrap:wrap;justify-content:center;gap:.6rem 1.5rem;margin-top:1.4rem;font-size:.9rem;color:var(--ink-soft)}
.assurance-row span{display:inline-flex;align-items:center;gap:.45rem}
.assurance-row svg{width:16px;height:16px;color:var(--accent);flex:none}

/* ---------- CTA band (light gradient + pattern) ---------- */
.cta-band{position:relative;background:linear-gradient(135deg,var(--mint) 0%,#F4FAF7 60%,#FDFEFD 100%);color:var(--ink);border:1px solid var(--mint-line);border-radius:var(--radius);padding:clamp(2.4rem,5vw,3.8rem);display:flex;flex-direction:column;align-items:center;text-align:center;gap:1.6rem;box-shadow:var(--shadow);overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);pointer-events:none}
.cta-band>*{position:relative}
.cta-band h2{color:var(--primary)}
.cta-band p{color:var(--ink-soft);margin-top:.7rem;max-width:52ch;margin-left:auto;margin-right:auto}
.cta-actions{display:flex;flex-direction:column;gap:.9rem;align-items:center;width:100%;max-width:360px}
.cta-actions .btn{width:100%}
.cta-actions .phone-big{font-family:var(--font-mono);font-weight:700;font-size:1.2rem;text-align:center}
.cta-actions .phone-big a{color:var(--primary)}
.cta-actions .phone-big small{display:block;font-family:var(--font-sans);font-weight:400;font-size:.8rem;color:var(--ink-faint);margin-top:.3rem}
.cta-actions .phone-big a:hover{color:var(--accent-ink);text-decoration:none}

/* ============================================================
   ARTICLE
   ============================================================ */
.breadcrumbs{font-family:var(--font-mono);font-size:.76rem;letter-spacing:.04em;color:var(--ink-faint);margin:1.6rem 0 1.2rem;display:flex;flex-wrap:wrap;gap:.5rem;align-items:center}
.breadcrumbs a{color:var(--ink-soft)}
.breadcrumbs a:hover{color:var(--accent-ink)}
.breadcrumbs .sep{color:var(--line-strong)}

.article-header{max-width:860px;padding-bottom:1.6rem}
.article-header h1{margin-bottom:1.1rem}
.article-meta{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem 1.6rem;padding:1rem 0;font-size:.88rem;color:var(--ink-soft);margin-top:.4rem}
.byline{display:inline-flex;align-items:center;gap:.7rem}
.byline strong{color:var(--primary)}
.author-photo{width:44px;height:44px;flex:none;border-radius:50%;object-fit:cover;background:var(--mint-deep);border:1px solid var(--mint-line)}
.author-photo-lg{width:64px;height:64px}
.article-meta time{color:var(--ink-soft)}
.integrity-note{display:flex;gap:.6rem;align-items:flex-start;background:linear-gradient(90deg,var(--mint),#F6FBF8);border:1px solid var(--mint-line);border-radius:var(--radius-sm);padding:.85rem 1.1rem;margin-top:1rem;font-size:.84rem;color:var(--ink-soft);max-width:860px}
.integrity-note svg{width:16px;height:16px;flex:none;color:var(--accent-ink);margin-top:.15rem}

.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:clamp(2rem,4vw,3.5rem);padding:1.8rem 0 3.5rem;align-items:start}
.article-body{min-width:0;counter-reset:sec}
.article-body>p{margin:1.05rem 0;max-width:72ch}
.article-body>ul,.article-body>ol{margin:1.15rem 0 1.15rem 1.35rem;max-width:70ch}
.article-body>ul li,.article-body>ol li{margin:.55rem 0;padding-left:.25rem}
.article-body>ul li::marker{color:var(--accent-ink)}
.article-body strong{color:var(--primary);font-weight:650}
.article-body a{text-decoration:underline;text-decoration-color:rgba(0,117,75,.35);text-underline-offset:3px}
.article-body a:hover{text-decoration-color:var(--accent-ink)}
.article-body>h2{margin:2.9rem 0 1.1rem;padding-top:1.6rem;border-top:1px solid var(--line);display:flex;align-items:baseline;gap:.85rem}
.article-body>h2:not(#faq-section){counter-increment:sec}
.article-body>h2:not(#faq-section)::before{content:counter(sec,decimal-leading-zero);font-family:var(--font-mono);font-size:.82rem;font-weight:700;color:var(--accent-ink);letter-spacing:.06em;flex:none;position:relative;top:-2px}
.article-body>h3{margin:2rem 0 .8rem}

.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.7rem;margin:0 0 2.2rem;box-shadow:var(--shadow)}
.toc h2{font-size:.78rem;font-family:var(--font-mono);font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint);margin:0 0 .9rem;border:none;padding:0}
.toc ol{list-style:none;columns:2;column-gap:2.5rem;counter-reset:toc;margin:0}
.toc li{counter-increment:toc;break-inside:avoid;padding:.42rem 0}
.toc a{display:flex;gap:.7rem;align-items:baseline;color:var(--ink);font-size:.92rem;line-height:1.4;text-decoration:none}
.toc a::before{content:counter(toc,decimal-leading-zero);font-family:var(--font-mono);font-size:.72rem;font-weight:600;color:var(--accent-ink)}
.toc a:hover{color:var(--accent-ink)}
.toc li.active a{color:var(--accent-ink);font-weight:600}

.table-scroll{overflow-x:auto;margin:1.6rem 0;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);box-shadow:var(--shadow);-webkit-overflow-scrolling:touch}
.data-table{width:100%;border-collapse:collapse;font-size:.93rem;min-width:560px}
.data-table th{background:#F0F2F5;color:var(--primary);font-weight:650;text-align:left;padding:.8rem 1rem;font-size:.85rem;letter-spacing:.02em;white-space:nowrap;border-bottom:1px solid var(--line-strong)}
.data-table td{padding:.75rem 1rem;border-top:1px solid var(--line);vertical-align:top;color:var(--ink)}
.data-table tbody tr:nth-child(even){background:var(--bg)}
.data-table td:first-child{font-weight:600;color:var(--primary)}

.inline-cta{position:relative;background:linear-gradient(135deg,var(--mint) 0%,#F4FAF7 70%,#FBFDFC 100%);border:1px solid var(--mint-line);border-left:4px solid var(--accent);border-radius:var(--radius);padding:clamp(1.6rem,3.5vw,2.2rem);margin:2.4rem 0;color:var(--ink);box-shadow:var(--shadow);overflow:hidden}
.inline-cta::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);pointer-events:none}
.inline-cta>*{position:relative}
.inline-cta h3{color:var(--primary);margin-bottom:.55rem}
.inline-cta p{color:var(--ink-soft);margin-bottom:1.2rem;max-width:56ch}
.inline-cta span{color:var(--ink-soft)!important}
.inline-cta a:not(.btn){color:var(--accent-ink)!important}

.faq-item{border-top:1px solid var(--line);max-width:72ch}
.faq-item:last-of-type{border-bottom:1px solid var(--line)}
.faq-item summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;cursor:pointer;list-style:none;font-weight:600;color:var(--primary);padding:1.05rem .1rem;font-size:1.02rem;min-height:48px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary svg{width:18px;height:18px;flex:none;color:var(--accent-ink);transition:transform .22s var(--ease)}
.faq-item[open] summary svg{transform:rotate(45deg)}
.faq-item .faq-a{padding:.1rem .1rem 1.2rem;color:var(--ink-soft);line-height:1.65}

.author-box{display:flex;gap:1.1rem;background:linear-gradient(135deg,#FBFDFC,var(--mint));border:1px solid var(--mint-line);border-radius:var(--radius);padding:1.6rem 1.7rem;margin:2.6rem 0 0;box-shadow:var(--shadow)}
.author-box h3{font-size:1.06rem;margin-bottom:.45rem}
.author-box p{font-size:.92rem;color:var(--ink-soft);line-height:1.6}

.related-strip{margin-top:2.6rem;padding-top:1.8rem;border-top:1px solid var(--line)}
.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1.1rem}
.related-grid a{display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.15rem 1.25rem;color:var(--primary);font-weight:600;font-size:.97rem;line-height:1.42;transition:border-color .18s,box-shadow .18s var(--ease),transform .18s var(--ease)}
.related-grid a:hover{text-decoration:none;border-color:var(--accent);box-shadow:var(--shadow-lift);transform:translateY(-2px)}
.related-grid a span{display:block;font-family:var(--font-mono);font-size:.66rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--accent-ink);margin-bottom:.45rem}

.sidebar{position:sticky;top:calc(var(--header-h) + 20px);display:flex;flex-direction:column;gap:1.1rem}
.side-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.5rem;box-shadow:var(--shadow)}
.side-card h3{font-size:.78rem;font-family:var(--font-mono);font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:.9rem}
.side-card ul{list-style:none}
.side-card li{border-bottom:1px solid var(--line)}
.side-card li:last-child{border-bottom:none}
.side-card li a{display:block;padding:.55rem 0;color:var(--ink);font-size:.94rem}
.side-card li a:hover{color:var(--accent-ink);text-decoration:none}
.side-cta{position:relative;background:linear-gradient(160deg,var(--mint) 0%,#F3FAF6 100%);border-color:var(--mint-line);overflow:hidden}
.side-cta::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);pointer-events:none}
.side-cta>*{position:relative}
.side-cta h3{color:var(--accent-ink)}
.side-cta p{color:var(--ink-soft);font-size:.95rem;margin-bottom:1.1rem;line-height:1.55}
.side-cta .btn{width:100%}
.side-cta a.mono{color:var(--primary)!important}

.back-top{position:fixed;right:1.2rem;bottom:1.2rem;z-index:55;width:48px;height:48px;border-radius:50%;background:var(--primary);color:#fff;border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-lift);opacity:0;pointer-events:none;transform:translateY(8px);transition:opacity .25s,transform .25s var(--ease)}
.back-top.show{opacity:1;pointer-events:auto;transform:translateY(0)}
.back-top svg{width:20px;height:20px}
.back-top:hover{background:var(--accent-btn)}

/* ---------- Apply ---------- */
.goal-picker{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.6rem 0}
.goal-card{background:var(--surface);border:1.5px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.3rem;text-align:center;cursor:pointer;transition:border-color .18s,box-shadow .18s var(--ease),transform .18s var(--ease);min-height:48px}
.goal-card:hover,.goal-card.selected{border-color:var(--accent);box-shadow:var(--shadow-lift);transform:translateY(-2px)}
.goal-card svg{width:30px;height:30px;margin:0 auto;color:var(--accent-ink)}
.goal-card h3{font-size:1.05rem;margin:.6rem 0 .3rem}
.goal-card p{font-size:.87rem;color:var(--ink-soft)}
.form-stage{display:none;margin-top:1.4rem}
.form-stage.active{display:block}
.goal-back{display:inline-flex;align-items:center;gap:.5rem;margin:1.6rem auto 0;background:none;border:none;cursor:pointer;font-family:var(--font-sans);font-weight:600;font-size:.92rem;color:var(--accent-ink);padding:.5rem .8rem;border-radius:var(--radius-sm);min-height:44px}
.goal-back svg{width:16px;height:16px;flex:none;transition:transform .18s var(--ease)}
.goal-back:hover{background:var(--mint)}
.goal-back:hover svg{transform:translateX(-3px)}
.goal-picker+.goal-back,.goal-back{display:none}
.goal-back.show{display:inline-flex}
.lc-loading{display:flex;align-items:center;justify-content:center;min-height:160px;color:var(--ink-faint);font-family:var(--font-mono);font-size:.9rem}
.lc-embed{width:100%;border:none}

/* ---------- Legal ---------- */
.legal-body{padding:2.5rem 0 4rem}
.legal-body h1{margin-bottom:1.4rem}
.legal-body h2{font-size:1.3rem;margin:2rem 0 .8rem}
.legal-body p,.legal-body li{color:var(--ink-soft);max-width:74ch;margin:.8rem 0}
.legal-body ul{margin-left:1.3rem}
.updated{font-family:var(--font-mono);font-size:.8rem;color:var(--ink-faint)}

/* ---------- Footer (light gradient + pattern) ---------- */
.site-footer{position:relative;background:linear-gradient(180deg,var(--surface) 0%,var(--mint) 100%);color:var(--ink-soft);border-top:1px solid var(--line);padding:clamp(2.6rem,5vw,4rem) 0 2rem;overflow:hidden}
.site-footer::before{content:"";position:absolute;inset:0;background-image:var(--dots);background-size:var(--dots-size);mask-image:linear-gradient(0deg,rgba(0,0,0,.8),transparent 75%);pointer-events:none}
.site-footer>.wrap{position:relative}
.site-footer a{color:var(--ink)}
.site-footer a:hover{color:var(--accent-ink);text-decoration:none}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:clamp(1.6rem,4vw,3rem);padding-bottom:2.2rem;border-bottom:1px solid var(--mint-line)}
.footer-grid h4{color:var(--primary);font-size:.78rem;font-family:var(--font-mono);font-weight:600;letter-spacing:.15em;text-transform:uppercase;margin-bottom:1rem}
.footer-grid ul{list-style:none}
.footer-grid li{margin:.5rem 0}
.footer-grid li a{font-size:.93rem;color:var(--ink-soft)}
.footer-grid>div>p{font-size:.92rem;line-height:1.6;margin-top:1rem;max-width:36ch;color:var(--ink-soft)}
.site-footer .logo img{height:40px;width:auto}
.eho-row{display:flex;align-items:center;gap:.5rem;margin-top:1.1rem;font-size:.82rem;color:var(--ink-faint)}
.eho-row svg{width:20px;height:15px;color:var(--ink-faint);flex:none}
.footer-nap p{font-size:.92rem;line-height:1.6;color:var(--ink-soft)}
.footer-nap .phone-link{color:var(--primary)}
.footer-legal{padding-top:1.8rem}
.footer-legal>p{font-size:.78rem;line-height:1.65;color:var(--ink-faint)}
.footer-bottom{display:flex;flex-wrap:wrap;gap:.8rem 2rem;justify-content:space-between;align-items:center;margin-top:1.4rem;font-size:.82rem;color:var(--ink-faint)}
.footer-bottom nav{display:flex;flex-wrap:wrap;gap:1.4rem}
.footer-bottom nav a{font-size:.82rem;color:var(--ink-soft)}

/* ---------- Responsive ---------- */
@media (max-width:1024px){
  .article-layout{grid-template-columns:minmax(0,1fr) 280px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .cta-band{grid-template-columns:1fr}
}
@media (max-width:880px){
  .main-nav{position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:var(--shadow-lift);flex-direction:column;gap:0;padding:.6rem 0;display:none}
  .main-nav.open{display:flex}
  .main-nav a{padding:.95rem clamp(1.1rem,4vw,2.25rem);min-height:48px;display:flex;align-items:center;border-bottom:1px solid var(--line);font-size:1.02rem;color:var(--primary)}
  .main-nav a::after{display:none}
  .main-nav a:last-child{border-bottom:none}
  .nav-toggle{display:block}
  .hero-grid,.answer-strip .wrap,.about-grid{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr}
  .calc-result{border-left:none;border-top:1px solid var(--mint-line)}
  .article-layout{grid-template-columns:1fr;padding-top:1.2rem}
  .sidebar{position:static}
  .hero-stats .wrap{grid-template-columns:1fr 1fr;gap:1.1rem}
  .goal-picker{grid-template-columns:1fr}
}
@media (max-width:640px){
  body{font-size:1rem}
  .footer-grid{grid-template-columns:1fr}
  .header-cta .btn .call-label{display:none}
  .header-cta .btn{padding:.55rem .8rem;min-width:44px}
  .stat-row{grid-template-columns:1fr}
  .hub-cat{padding:1.3rem 1.1rem 1rem}
  .hub-cat::after{font-size:4.6rem;top:-1rem}
  .hub-list{columns:1}
  .toc ol{columns:1}
  .related-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .hero-ctas .btn{width:100%}
  .header-cta .btn{padding:.55rem .95rem;font-size:.9rem}
  .article-meta{gap:.5rem 1rem;font-size:.84rem}
  .data-table{font-size:.88rem}
  .back-top{right:.9rem;bottom:.9rem}
}
@media (min-width:881px){
  .hub-list{columns:2}
}

/* ---------- Motion & print ---------- */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}
@media print{
  .site-header,.sidebar,.inline-cta,.back-top,.site-footer,.nav-toggle,.progress-track{display:none!important}
  .article-layout{grid-template-columns:1fr}
  body{background:#fff}
}