/* ============================================================
   MyHomeRates.com — Master Stylesheet
   Single source of truth. All pages link to this file.
   Never add inline styles to pages — add classes here instead.
   ============================================================ */

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
img { max-width: 100%; display: block; }
button { cursor: pointer; }

/* ── DESIGN TOKENS ── */
: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);
  --radius-sm:  6px;
  --radius-md:  10px;
  --radius-lg:  14px;
  --shadow-sm:  0 2px 8px rgba(15,37,87,0.06);
  --shadow-md:  0 4px 20px rgba(15,37,87,0.09);
  --max-width:  1060px;
}

/* ── BASE ── */
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--navy-mid); text-decoration: none; }
a:hover { color: var(--gold-dark); text-decoration: underline; }
strong { color: var(--navy); }

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4 { font-family: 'DM Serif Display', serif; line-height: 1.25; }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 1.85rem); }
h3 { font-size: clamp(1.1rem, 2vw, 1.3rem); }
h4 { font-size: 1rem; font-family: 'DM Sans', sans-serif; font-weight: 600; }
p  { font-size: 0.975rem; line-height: 1.85; margin-bottom: 1.1rem; }
p:last-child { margin-bottom: 0; }
ul, ol { margin: 0.75rem 0 1.1rem 1.25rem; }
li { font-size: 0.96rem; line-height: 1.7; }

/* ── LAYOUT UTILITIES ── */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 2rem; }
.section    { padding: 4rem 0; }
.section-alt { background: var(--white); }

/* ── 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: var(--max-width);
  margin: 0 auto;
  padding: 0 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 62px;
  gap: 0.5rem;
  overflow: visible;
}
.nav-logo {
  font-family: 'DM Serif Display', serif;
  font-size: 1.1rem;
  color: var(--white);
  white-space: nowrap;
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo span { color: var(--gold); }
.nav-links {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 0;
  list-style: none;
  flex-wrap: nowrap;
  flex-shrink: 1;
  min-width: 0;
  margin: 0;
  padding: 0;
}
.nav-links a {
  color: rgba(255,255,255,0.82);
  font-size: 0.75rem;
  font-weight: 500;
  padding: 0.35rem 0.4rem;
  border-radius: var(--radius-sm);
  transition: color 0.18s, background 0.18s;
  text-decoration: none;
  white-space: nowrap;
}
.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) !important;
  color: var(--navy) !important;
  font-weight: 600 !important;
  padding: 0.35rem 0.65rem !important;
  border-radius: 7px !important;
  white-space: nowrap;
  font-size: 0.75rem !important;
  transition: background 0.18s !important;
}
.nav-cta:hover { background: var(--gold-dark) !important; color: var(--navy) !important; }
.nav-mobile-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  padding: 0.25rem;
}

/* ── HERO / PAGE HEADER ── */
.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 {
  color: var(--white);
  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; }
.meta-divider { width: 1px; height: 14px; background: rgba(255,255,255,0.2); }
/* Hero variant — with description text (About, Contact, Legal) */
.page-header-desc {
  color: rgba(255,255,255,0.68);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 500px;
  margin: 0 auto;
}

/* ── MAIN CONTENT LAYOUT ── */
.main-wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 2.5rem 2rem 4rem;
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 3rem;
  align-items: start;
}
/* Full-width layout (no sidebar) */
.main-wrap-full {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 2.5rem 2rem 4rem;
}

/* ── ARTICLE TYPOGRAPHY ── */
.article h2 { color: var(--navy); margin: 2.5rem 0 0.9rem; scroll-margin-top: 80px; }
.article h3 { color: var(--navy-mid); margin: 1.75rem 0 0.6rem; scroll-margin-top: 80px; }
.article p  { color: var(--text); }

/* ── TABLE OF CONTENTS ── */
.toc {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.4rem 1.6rem;
  margin-bottom: 2.5rem;
}
.toc-title {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  color: var(--text-muted);
  margin-bottom: 0.9rem;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.toc ol {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  counter-reset: toc-counter;
}
.toc li {
  counter-increment: toc-counter;
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.875rem;
  margin: 0;
}
.toc li::before {
  content: counter(toc-counter);
  min-width: 20px;
  height: 20px;
  background: var(--navy-light);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.toc a { color: var(--navy-mid); font-weight: 500; line-height: 1.4; }
.toc a:hover { color: var(--gold-dark); }

/* ── CALLOUT BOXES ── */
.callout {
  border-radius: var(--radius-md);
  padding: 1.1rem 1.4rem;
  margin: 1.75rem 0;
  display: flex;
  gap: 0.85rem;
  align-items: flex-start;
}
.callout-tip     { background: var(--navy-light); border: 1px solid rgba(15,37,87,0.12); }
.callout-warning { background: #fff7ed; border: 1px solid #fed7aa; }
.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-tip     i { color: var(--navy); }
.callout-warning i { color: #ea580c; }
.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; }

/* ── TABLES ── */
.table-wrap {
  overflow-x: auto;
  margin: 1.5rem 0;
  border-radius: var(--radius-md);
  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; }

/* ── PULL QUOTE ── */
.pull-quote {
  border-left: 4px solid var(--gold);
  background: var(--gold-light);
  padding: 1.1rem 1.4rem;
  margin: 2rem 0;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
}
.pull-quote p {
  font-family: 'DM Serif Display', serif;
  font-size: 1.15rem;
  color: var(--navy);
  line-height: 1.55;
  margin: 0;
  font-style: italic;
}

/* ── WORKED EXAMPLE BOX ── */
.example-box {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  margin: 2rem 0;
}
.example-label {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  color: var(--gold);
  margin-bottom: 0.5rem;
}
.example-title {
  font-family: 'DM Serif Display', serif;
  font-size: 1.2rem;
  color: var(--white);
  margin-bottom: 1.25rem;
}
.example-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.example-stat {
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius-sm);
  padding: 0.9rem;
  text-align: center;
}
.example-stat-num {
  font-family: 'DM Serif Display', serif;
  font-size: 1.4rem;
  color: var(--gold);
  display: block;
  margin-bottom: 0.25rem;
}
.example-stat-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.example-body p       { font-size: 0.88rem; color: rgba(255,255,255,0.75); line-height: 1.75; margin-bottom: 0.75rem; }
.example-body strong  { color: var(--gold); }

/* ── STEP LIST ── */
.step-list { display: flex; flex-direction: column; gap: 1.25rem; margin: 1.25rem 0; }
.step-item { display: flex; gap: 1rem; align-items: flex-start; }
.step-num {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: 'DM Serif Display', serif;
  font-size: 0.95rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.step-content h4 { font-size: 0.95rem; color: var(--navy); margin-bottom: 0.3rem; }
.step-content p  { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; margin: 0; }

/* ── FAQ ACCORDION ── */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  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);
  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; }

/* ── SIDEBAR ── */
.sidebar { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: 82px; }
.sidebar-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.35rem;
}
.sidebar-card h3 {
  font-family: 'DM Serif Display', serif;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.9rem;
  padding-bottom: 0.7rem;
  border-bottom: 1px solid var(--border);
}
.sidebar-link-list { list-style: none; display: flex; flex-direction: column; }
.sidebar-link-list li a {
  font-size: 0.84rem;
  color: var(--navy-mid);
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid var(--border);
  font-weight: 500;
  text-decoration: none;
  transition: color 0.15s;
}
.sidebar-link-list li:last-child a { border-bottom: none; }
.sidebar-link-list a:hover { color: var(--gold-dark); }
.sidebar-stat { display: flex; align-items: flex-start; gap: 0.65rem; margin-bottom: 0.9rem; }
.sidebar-stat:last-child { margin-bottom: 0; }
.sidebar-stat i { color: var(--gold-dark); font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
.sidebar-stat-body strong { display: block; font-size: 0.82rem; color: var(--text); margin-bottom: 0.1rem; }
.sidebar-stat-body span   { font-size: 0.8rem; color: var(--text-muted); line-height: 1.5; }
.sidebar-cta {
  display: block;
  text-align: center;
  background: var(--gold);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.88rem;
  padding: 0.8rem;
  border-radius: var(--radius-md);
  transition: background 0.18s;
  text-decoration: none;
}
.sidebar-cta:hover { background: var(--gold-dark); color: var(--navy); text-decoration: none; }

/* ── CARD GRIDS ── */
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.25rem; }
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: box-shadow 0.2s, transform 0.18s;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  text-decoration: none;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); text-decoration: none; }
.card-icon {
  width: 44px; height: 44px;
  background: var(--navy-light);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
}
.card-icon i { color: var(--navy); font-size: 1.3rem; }
.card-tag {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--gold-dark);
}
.card h3 { font-family: 'DM Serif Display', serif; font-size: 1.1rem; color: var(--navy); line-height: 1.3; }
.card p  { font-size: 0.87rem; color: var(--text-muted); line-height: 1.6; flex: 1; }
.card-link {
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--navy-mid);
  display: flex;
  align-items: center;
  gap: 0.35rem;
  margin-top: 0.25rem;
}
.card:hover .card-link { color: var(--gold-dark); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.8rem 1.75rem;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  transition: background 0.18s, transform 0.12s;
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn-primary { background: var(--gold);  color: var(--navy); }
.btn-primary:hover { background: var(--gold-dark); color: var(--navy); }
.btn-ghost   { background: rgba(255,255,255,0.09); color: var(--white); border: 1px solid rgba(255,255,255,0.2); }
.btn-ghost:hover { background: rgba(255,255,255,0.16); color: var(--white); }
.btn-navy    { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-mid); color: var(--white); }

/* ── SECTION HEADERS ── */
.section-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 0.5rem;
  display: block;
}
.section-heading {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.6rem, 3vw, 2.1rem);
  color: var(--navy);
  margin-bottom: 0.6rem;
  line-height: 1.25;
}
.section-sub {
  color: var(--text-muted);
  font-size: 0.95rem;
  max-width: 520px;
  margin-bottom: 2rem;
  line-height: 1.65;
}

/* ── RATE SOURCE BANNER ── */
.rate-source-banner { background: var(--white); border-bottom: 1px solid var(--border); padding: 0.9rem 2rem; }
.rate-source-banner-inner { max-width: var(--max-width); margin: 0 auto; display: flex; align-items: center; gap: 0.75rem; font-size: 0.85rem; color: var(--text-muted); }
.rate-source-banner i { color: var(--gold-dark); font-size: 1.1rem; flex-shrink: 0; }
.rate-source-banner a { color: var(--gold-dark); font-weight: 600; text-decoration: underline; }

/* ── TRUST BAR ── */
.trust-bar { background: var(--navy-light); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 1.1rem 2rem; }
.trust-bar-inner { max-width: var(--max-width); margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 2.5rem; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 0.55rem; font-size: 0.82rem; color: var(--navy-mid); font-weight: 500; }
.trust-item i { color: var(--gold-dark); font-size: 1.1rem; }

/* ── EDITORIAL DISCLAIMER (inline, above author bio) ── */
.editorial-disclaimer {
  background: var(--gold-light);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius-md);
  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); }

/* ── AUTHOR BIO ── */
.author-bio {
  background: var(--white);
  border: 0.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  margin-bottom: 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; display: block; }
.author-name  { font-size: 15px; font-weight: 600; color: var(--text); margin-bottom: 6px; display: block; }
.author-desc  { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin: 0; }

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

/* ── FOOTER ── */
footer { background: var(--navy); padding: 3rem 2rem 2rem; color: rgba(255,255,255,0.6); }
.footer-inner { max-width: var(--max-width); 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; display: block; }
.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; margin: 0; padding: 0; }
.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); text-decoration: none; }
.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); }

/* ── FORM ELEMENTS ── */
.form-group  { display: flex; flex-direction: column; margin-bottom: 1.1rem; }
.form-label  { font-size: 0.82rem; font-weight: 600; color: var(--text); margin-bottom: 0.4rem; }
.form-label .required { color: var(--gold-dark); margin-left: 2px; }
.form-input,
.form-select,
.form-textarea {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.92rem;
  color: var(--text);
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0.7rem 0.9rem;
  width: 100%;
  transition: border-color 0.18s, box-shadow 0.18s;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--navy-mid);
  box-shadow: 0 0 0 3px rgba(26,58,107,0.08);
}
.form-textarea { resize: vertical; min-height: 140px; line-height: 1.6; }
.form-hint { font-size: 0.76rem; color: var(--text-muted); margin-top: 0.3rem; line-height: 1.5; }
.form-row  { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

/* ── CALCULATOR ── */
.calc-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); }
.calc-tabs { display: flex; border-bottom: 1px solid var(--border); background: var(--navy-light); }
.calc-tab { flex: 1; padding: 0.9rem 1rem; font-family: 'DM Sans', sans-serif; font-size: 0.85rem; font-weight: 600; color: var(--text-muted); background: none; border: none; border-bottom: 3px solid transparent; transition: all 0.18s; text-align: center; cursor: pointer; }
.calc-tab.active { color: var(--navy); background: var(--white); border-bottom-color: var(--gold); }
.calc-body { padding: 2rem; display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.calc-inputs { display: flex; flex-direction: column; gap: 1.25rem; }
.field-label { display: flex; justify-content: space-between; align-items: center; font-size: 0.83rem; font-weight: 600; color: var(--text); margin-bottom: 0.45rem; }
.field-label span { font-weight: 400; color: var(--gold-dark); font-size: 0.88rem; }
.field-input { position: relative; }
.field-input .prefix { position: absolute; left: 0.85rem; top: 50%; transform: translateY(-50%); color: var(--text-muted); font-weight: 500; font-size: 0.9rem; pointer-events: none; }
.field-input input, .field-input select { width: 100%; padding: 0.7rem 0.9rem 0.7rem 1.75rem; border: 1.5px solid var(--border); border-radius: var(--radius-md); font-family: 'DM Sans', sans-serif; font-size: 0.95rem; color: var(--text); background: var(--bg); transition: border-color 0.18s; }
.field-input.no-prefix input, .field-input.no-prefix select { padding-left: 0.9rem; }
.field-input input:focus, .field-input select:focus { outline: none; border-color: var(--navy-mid); }
.range-row { display: flex; align-items: center; gap: 0.75rem; }
.range-row input[type=range] { flex: 1; accent-color: var(--navy); border: none; padding: 0; background: none; }
.calc-results { background: var(--navy); border-radius: var(--radius-lg); padding: 1.75rem; display: flex; flex-direction: column; gap: 1rem; }
.results-header { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.7px; color: rgba(255,255,255,0.5); }
.results-main { text-align: center; padding: 1rem 0 0.5rem; }
.results-main-label { font-size: 0.8rem; color: rgba(255,255,255,0.55); margin-bottom: 0.35rem; }
.results-main-num { font-family: 'DM Serif Display', serif; font-size: 2.8rem; color: var(--gold); line-height: 1; }
.results-main-sub { font-size: 0.78rem; color: rgba(255,255,255,0.45); margin-top: 0.3rem; }
.results-divider { height: 1px; background: rgba(255,255,255,0.1); }
.results-row { display: flex; justify-content: space-between; align-items: center; }
.results-row-label { font-size: 0.82rem; color: rgba(255,255,255,0.6); }
.results-row-val   { font-size: 0.92rem; font-weight: 600; color: var(--white); }
.results-disclaimer { font-size: 0.72rem; color: rgba(255,255,255,0.35); line-height: 1.5; margin-top: auto; }
.calc-btn { width: 100%; background: var(--gold); color: var(--navy); font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 0.95rem; padding: 0.85rem; border: none; border-radius: var(--radius-md); cursor: pointer; margin-top: 0.5rem; transition: background 0.18s; }
.calc-btn:hover { background: var(--gold-dark); }

/* ── SCORE BANDS (qualify page) ── */
.score-bands { display: flex; flex-direction: column; gap: 0.5rem; margin: 1.25rem 0; }
.score-band { display: grid; grid-template-columns: 100px 1fr auto; gap: 1rem; align-items: center; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 0.7rem 1rem; font-size: 0.84rem; }
.score-band-range { font-weight: 700; color: var(--navy); }
.score-band-label { color: var(--text-muted); }
.score-band-tag { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; padding: 0.2rem 0.6rem; border-radius: 100px; white-space: nowrap; }
.tag-excellent { background: #ecfdf5; color: #059669; }
.tag-good      { background: #f0fdf4; color: #16a34a; }
.tag-fair      { background: #fffbeb; color: #d97706; }
.tag-poor      { background: #fff7ed; color: #ea580c; }
.tag-difficult { background: #fef2f2; color: #dc2626; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  /* Nav */
  .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; }
  /* Layout */
  .main-wrap { grid-template-columns: 1fr; padding: 2rem 1.25rem; gap: 2rem; }
  .sidebar { position: static; }
  .calc-body { grid-template-columns: 1fr; }
  .example-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .author-bio { flex-direction: column; gap: 1rem; }
  .trust-bar-inner { gap: 1.25rem; }
  .score-band { grid-template-columns: 80px 1fr; }
  .score-band-tag { display: none; }
}
@media (max-width: 480px) {
  .container { padding: 0 1.25rem; }
  .page-header { padding: 3rem 1.25rem 2.5rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr; }
}