/* =====================================================
   Personal Finance Simplified — Global Stylesheet
   Version 1.0 | personalfinancesimplified.com
   ===================================================== */

/* ---- GOOGLE FONTS ---- */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;900&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,400&display=swap');

/* ---- CSS VARIABLES ---- */
:root {
  --green:        #1D9E75;
  --green-dark:   #085041;
  --green-mid:    #0F6E56;
  --green-light:  #E1F5EE;
  --green-pale:   #f0faf6;
  --gold:         #BA7517;
  --gold-light:   #FAEEDA;
  --gold-mid:     #EF9F27;
  --navy:         #042C53;
  --navy-mid:     #185FA5;
  --navy-light:   #E6F1FB;
  --off-white:    #FAF9F6;
  --white:        #ffffff;
  --text-dark:    #111827;
  --text-mid:     #374151;
  --text-muted:   #6B7280;
  --text-light:   #9CA3AF;
  --border:       #E5E7EB;
  --border-mid:   #D1D5DB;
  --shadow-sm:    0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md:    0 4px 16px rgba(0,0,0,0.08), 0 2px 4px rgba(0,0,0,0.04);
  --shadow-lg:    0 12px 40px rgba(0,0,0,0.1), 0 4px 8px rgba(0,0,0,0.04);
  --shadow-green: 0 8px 32px rgba(29,158,117,0.25);
  --radius-sm:    6px;
  --radius-md:    10px;
  --radius-lg:    16px;
  --radius-xl:    24px;
  --font-serif:   'Playfair Display', Georgia, serif;
  --font-sans:    'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --transition:   all 0.22s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width:    1200px;
  --header-h:     68px;
}

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-dark);
  background: var(--off-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--green); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--green-dark); }
ul, ol { list-style: none; }
button { font-family: var(--font-sans); cursor: pointer; border: none; outline: none; }
input, textarea, select { font-family: var(--font-sans); outline: none; }

/* ---- CONTAINER ---- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.container-sm { max-width: 720px; margin: 0 auto; padding: 0 24px; }
.container-md { max-width: 960px; margin: 0 auto; padding: 0 24px; }

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4, h5 { line-height: 1.2; font-weight: 700; }
.display-serif { font-family: var(--font-serif); }
.text-green { color: var(--green); }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--text-muted); }

/* ---- SECTION LABELS ---- */
.section-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--green);
  margin-bottom: 10px;
}
.section-eyebrow::before {
  content: ''; display: block;
  width: 20px; height: 2px;
  background: var(--green); border-radius: 2px;
}
.section-title {
  font-family: var(--font-serif);
  font-size: clamp(26px, 3.5vw, 42px);
  font-weight: 900; color: var(--text-dark);
  line-height: 1.15; margin-bottom: 14px;
}
.section-title em { font-style: normal; color: var(--green); }
.section-subtitle {
  font-size: 17px; color: var(--text-muted);
  line-height: 1.65; max-width: 520px;
}
.section-header { margin-bottom: 48px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-eyebrow { justify-content: center; }
.section-header.centered .section-subtitle { margin: 0 auto; }

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 13px 28px;
  font-size: 15px; font-weight: 600;
  border-radius: var(--radius-md);
  transition: var(--transition); cursor: pointer;
  white-space: nowrap; border: 2px solid transparent;
  line-height: 1;
}
.btn-primary {
  background: var(--green); color: var(--white); border-color: var(--green);
}
.btn-primary:hover {
  background: var(--green-dark); border-color: var(--green-dark);
  color: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-green);
}
.btn-outline-white {
  background: transparent; color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.12); color: var(--white); border-color: rgba(255,255,255,0.7);
}
.btn-outline-green {
  background: transparent; color: var(--green);
  border-color: var(--green);
}
.btn-outline-green:hover {
  background: var(--green); color: var(--white);
}
.btn-gold {
  background: var(--gold); color: var(--white); border-color: var(--gold);
}
.btn-gold:hover { background: #9a6012; border-color: #9a6012; color: var(--white); transform: translateY(-2px); }
.btn-lg { padding: 16px 36px; font-size: 16px; }
.btn-sm { padding: 9px 20px; font-size: 13px; }

/* ---- BADGES ---- */
.badge {
  display: inline-block; padding: 3px 10px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.8px;
  text-transform: uppercase; border-radius: 20px;
}
.badge-green  { background: var(--green-light); color: var(--green-dark); }
.badge-gold   { background: var(--gold-light); color: #7a4d09; }
.badge-navy   { background: var(--navy-light); color: var(--navy); }

/* ============================================
   HEADER / NAVIGATION
   ============================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: var(--header-h);
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}
.site-header.scrolled {
  box-shadow: 0 4px 20px rgba(4,44,83,0.35);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 100%; gap: 24px;
}
.site-logo {
  font-family: var(--font-serif); font-size: 20px; font-weight: 700;
  color: var(--white); white-space: nowrap; flex-shrink: 0;
}
.site-logo span { color: #5DCAA5; }
.site-logo:hover { color: var(--white); }

.nav-links {
  display: flex; align-items: center; gap: 4px;
}
.nav-links a {
  color: rgba(255,255,255,0.75); font-size: 14px; font-weight: 500;
  padding: 8px 14px; border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-links a.active { color: #5DCAA5; }

.nav-right { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.nav-cta { padding: 9px 20px; font-size: 14px; }

/* Mobile menu */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; padding: 8px; cursor: pointer;
}
.hamburger span {
  display: block; width: 22px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: var(--transition);
}
.mobile-nav {
  display: none; position: fixed;
  top: var(--header-h); left: 0; right: 0;
  background: var(--navy); z-index: 999;
  padding: 16px 24px 24px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  box-shadow: 0 8px 32px rgba(0,0,0,0.3);
}
.mobile-nav a {
  display: block; color: rgba(255,255,255,0.8);
  padding: 13px 0; font-size: 16px; font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn { width: 100%; margin-top: 16px; justify-content: center; }
.mobile-nav.open { display: block; }

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  background: linear-gradient(145deg, var(--navy) 0%, #0C447C 55%, #185FA5 100%);
  padding: calc(var(--header-h) + 72px) 0 100px;
  position: relative; overflow: hidden;
}
.hero-orb-1 {
  position: absolute; top: -100px; right: -80px;
  width: 480px; height: 480px; border-radius: 50%;
  background: radial-gradient(circle, rgba(29,158,117,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero-orb-2 {
  position: absolute; bottom: -120px; left: -60px;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(186,117,23,0.14) 0%, transparent 70%);
  pointer-events: none;
}
.hero-orb-3 {
  position: absolute; top: 40%; left: 40%;
  width: 300px; height: 300px; border-radius: 50%;
  background: radial-gradient(circle, rgba(93,202,165,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; text-align: center; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(93,202,165,0.12); border: 1px solid rgba(93,202,165,0.28);
  color: #5DCAA5; font-size: 12px; font-weight: 600;
  letter-spacing: 1.2px; text-transform: uppercase;
  padding: 7px 18px; border-radius: 40px; margin-bottom: 28px;
}
.hero-title {
  font-family: var(--font-serif);
  font-size: clamp(34px, 5.5vw, 62px);
  font-weight: 900; color: var(--white);
  line-height: 1.1; max-width: 780px;
  margin: 0 auto 22px;
}
.hero-title em { color: #5DCAA5; font-style: normal; }
.hero-subtitle {
  font-size: clamp(16px, 2vw, 19px);
  color: rgba(255,255,255,0.72); max-width: 520px;
  margin: 0 auto 40px; line-height: 1.65; font-weight: 300;
}
.hero-ctas { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 60px; }
.hero-stats {
  display: flex; justify-content: center; gap: 48px;
  flex-wrap: wrap; padding-top: 48px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat-num {
  font-family: var(--font-serif);
  font-size: 32px; font-weight: 900; color: #5DCAA5;
  line-height: 1;
}
.hero-stat-label {
  font-size: 12px; color: rgba(255,255,255,0.5);
  margin-top: 4px; letter-spacing: 0.5px;
}

/* WAVE */
.wave-divider { display: block; overflow: hidden; line-height: 0; margin-top: -2px; }
.wave-divider svg { display: block; width: 100%; }

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar { background: var(--white); border-bottom: 1px solid var(--border); padding: 18px 0; }
.trust-bar-inner {
  display: flex; align-items: center; justify-content: center;
  gap: 32px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 500; color: var(--text-muted);
}
.trust-item-icon { font-size: 16px; }

/* ============================================
   TOPICS SECTION
   ============================================ */
.topics-section { padding: 80px 0; background: var(--off-white); }
.topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.topic-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--transition);
  cursor: pointer; position: relative; overflow: hidden;
}
.topic-card::after {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 3px;
  background: var(--green); opacity: 0;
  transition: var(--transition);
}
.topic-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--green);
}
.topic-card:hover::after { opacity: 1; }
.topic-icon { font-size: 36px; margin-bottom: 16px; }
.topic-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 10px; color: var(--text-dark); }
.topic-card p { font-size: 14px; color: var(--text-muted); line-height: 1.6; margin-bottom: 16px; }
.topic-link {
  font-size: 13px; font-weight: 600; color: var(--green);
  display: inline-flex; align-items: center; gap: 5px;
}
.topic-link::after { content: '→'; transition: transform 0.2s; }
.topic-card:hover .topic-link::after { transform: translateX(4px); }

/* ============================================
   NEWSLETTER INLINE SECTION
   ============================================ */
.newsletter-inline {
  background: linear-gradient(135deg, var(--green-dark) 0%, var(--green) 100%);
  padding: 64px 0; position: relative; overflow: hidden;
}
.newsletter-inline::before {
  content: '✉';
  position: absolute; right: -40px; top: -30px;
  font-size: 200px; opacity: 0.04; color: var(--white);
  line-height: 1;
}
.newsletter-inner {
  display: flex; align-items: center;
  gap: 48px; flex-wrap: wrap;
}
.newsletter-copy { flex: 1; min-width: 280px; }
.newsletter-copy h2 {
  font-family: var(--font-serif); font-size: clamp(22px, 3vw, 32px);
  color: var(--white); margin-bottom: 8px;
}
.newsletter-copy p { color: rgba(255,255,255,0.75); font-size: 15px; }
.newsletter-form-wrap { flex: 1; min-width: 280px; }
.nl-form { display: flex; gap: 10px; flex-wrap: wrap; }
.nl-input {
  flex: 1; min-width: 200px; padding: 13px 18px;
  background: rgba(255,255,255,0.15);
  border: 1.5px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-md); color: var(--white);
  font-size: 15px; font-family: var(--font-sans);
  transition: var(--transition);
}
.nl-input::placeholder { color: rgba(255,255,255,0.5); }
.nl-input:focus { border-color: rgba(255,255,255,0.7); background: rgba(255,255,255,0.2); }
.nl-btn {
  background: var(--white); color: var(--green-dark);
  padding: 13px 24px; border-radius: var(--radius-md);
  font-size: 15px; font-weight: 700; border: none;
  cursor: pointer; white-space: nowrap;
  transition: var(--transition); font-family: var(--font-sans);
}
.nl-btn:hover { background: var(--gold-light); transform: translateY(-2px); }
.nl-note { font-size: 12px; color: rgba(255,255,255,0.45); margin-top: 10px; }

/* ============================================
   BLOG / POSTS SECTION
   ============================================ */
.posts-section { padding: 80px 0; background: var(--white); }
.posts-layout { display: grid; grid-template-columns: 1.8fr 1fr; gap: 24px; }
.post-featured {
  background: var(--navy);
  border-radius: var(--radius-xl);
  padding: 44px;
  display: flex; flex-direction: column; justify-content: flex-end;
  min-height: 380px; position: relative; overflow: hidden;
}
.post-featured-bg {
  position: absolute; inset: 0;
  background: linear-gradient(145deg, var(--navy) 30%, #0C447C 100%);
}
.post-featured-deco {
  position: absolute; top: -40px; right: -30px;
  font-family: var(--font-serif); font-size: 220px; font-weight: 900;
  color: rgba(93,202,165,0.07); line-height: 1; pointer-events: none;
}
.post-featured-content { position: relative; z-index: 1; }
.post-cat-pill {
  display: inline-block; padding: 4px 12px; border-radius: 20px;
  font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  margin-bottom: 14px;
}
.post-cat-debt   { background: rgba(93,202,165,0.2); color: #5DCAA5; }
.post-cat-invest { background: rgba(186,117,23,0.25); color: #EF9F27; }
.post-cat-budget { background: rgba(55,138,221,0.2); color: #85B7EB; }
.post-cat-credit { background: rgba(212,83,126,0.2); color: #ED93B1; }
.post-featured h2 {
  font-family: var(--font-serif); font-size: clamp(20px, 2.5vw, 26px);
  color: var(--white); line-height: 1.3; margin-bottom: 16px;
}
.post-meta { font-size: 13px; color: rgba(255,255,255,0.4); margin-bottom: 20px; }
.post-read-more {
  display: inline-flex; align-items: center; gap: 6px;
  color: #5DCAA5; font-size: 14px; font-weight: 700;
  transition: gap 0.2s;
}
.post-read-more:hover { gap: 10px; color: #5DCAA5; }

.posts-sidebar { display: flex; flex-direction: column; gap: 16px; }
.post-card-sm {
  background: var(--off-white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 22px;
  transition: var(--transition); cursor: pointer;
}
.post-card-sm:hover { border-color: var(--green); transform: translateX(4px); }
.post-card-sm h4 { font-size: 15px; font-weight: 600; color: var(--text-dark); line-height: 1.4; margin: 8px 0 6px; }
.post-card-sm .post-meta-sm { font-size: 12px; color: var(--text-light); }

/* ============================================
   AFFILIATE PRODUCTS PAGE
   ============================================ */
.affiliate-page { padding: 80px 0; }
.affiliate-intro { background: var(--navy); color: var(--white); padding: 72px 0 60px; }
.affiliate-intro h1 { font-family: var(--font-serif); font-size: clamp(30px, 4vw, 50px); color: var(--white); margin-bottom: 14px; }
.affiliate-intro p { font-size: 17px; color: rgba(255,255,255,0.68); max-width: 540px; }
.affiliate-disclosure {
  background: var(--gold-light); border: 1px solid #f0c570;
  border-radius: var(--radius-md); padding: 14px 20px;
  font-size: 13px; color: #7a4d09; margin: 32px 0 48px;
  display: flex; align-items: flex-start; gap: 10px;
}
.affiliate-cats { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 40px; }
.aff-cat-btn {
  padding: 9px 20px; border-radius: 40px;
  font-size: 13px; font-weight: 600; cursor: pointer;
  border: 1.5px solid var(--border); background: var(--white);
  color: var(--text-muted); transition: var(--transition);
}
.aff-cat-btn.active, .aff-cat-btn:hover {
  background: var(--green); color: var(--white); border-color: var(--green);
}
.aff-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 24px; }
.aff-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-xl); overflow: hidden;
  transition: var(--transition);
}
.aff-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--green); }
.aff-card-top {
  background: var(--green-light); padding: 32px;
  display: flex; align-items: center; justify-content: center;
  font-size: 52px; min-height: 130px;
}
.aff-card-top.gold-bg { background: var(--gold-light); }
.aff-card-top.navy-bg { background: var(--navy-light); }
.aff-card-body { padding: 24px; }
.aff-card-badges { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 12px; }
.aff-card-body h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; color: var(--text-dark); }
.aff-card-body p { font-size: 14px; color: var(--text-muted); line-height: 1.6; margin-bottom: 18px; }
.aff-pros { margin-bottom: 20px; }
.aff-pros li {
  font-size: 13px; color: var(--text-mid);
  display: flex; align-items: flex-start; gap: 7px;
  margin-bottom: 6px; line-height: 1.45;
}
.aff-pros li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.aff-cta-row { display: flex; align-items: center; gap: 12px; }
.aff-rating { font-size: 13px; color: var(--gold); font-weight: 600; }
.aff-card-btn {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--green); color: var(--white);
  padding: 11px 22px; border-radius: var(--radius-md);
  font-size: 14px; font-weight: 700; text-decoration: none;
  transition: var(--transition); border: none; cursor: pointer;
  font-family: var(--font-sans);
}
.aff-card-btn:hover { background: var(--green-dark); color: var(--white); transform: translateY(-2px); }
.aff-card-btn.gold { background: var(--gold); }
.aff-card-btn.gold:hover { background: #9a6012; }

/* ============================================
   DEBT PAYOFF CALCULATOR
   ============================================ */
.calc-page { padding: 80px 0; background: var(--off-white); }
.calc-hero { background: var(--navy); padding: 72px 0 60px; }
.calc-hero h1 { font-family: var(--font-serif); font-size: clamp(28px, 4vw, 48px); color: var(--white); margin-bottom: 12px; }
.calc-hero p { color: rgba(255,255,255,0.68); font-size: 16px; max-width: 480px; }
.calc-wrapper {
  background: var(--white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg); overflow: hidden;
  margin: 40px 0;
}
.calc-layout { display: grid; grid-template-columns: 1fr 1.2fr; }
.calc-inputs { padding: 40px; border-right: 1px solid var(--border); }
.calc-inputs h2 { font-size: 18px; font-weight: 700; margin-bottom: 28px; color: var(--text-dark); }
.field-group { margin-bottom: 24px; }
.field-label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 13px; font-weight: 600; color: var(--text-mid);
  margin-bottom: 8px; letter-spacing: 0.2px;
}
.field-label span { font-weight: 400; color: var(--text-muted); }
.field-input {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  font-size: 15px; font-family: var(--font-sans);
  color: var(--text-dark); transition: var(--transition);
  background: var(--off-white);
}
.field-input:focus { border-color: var(--green); background: var(--white); box-shadow: 0 0 0 3px rgba(29,158,117,0.1); }
.field-input-row { display: flex; gap: 12px; }
.debt-entry {
  background: var(--off-white); border: 1px solid var(--border);
  border-radius: var(--radius-md); padding: 16px;
  margin-bottom: 12px; position: relative;
}
.debt-entry-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
.debt-entry-name { font-size: 14px; font-weight: 600; color: var(--text-dark); }
.debt-remove { background: none; border: none; cursor: pointer; color: var(--text-light); font-size: 18px; line-height: 1; padding: 0 4px; }
.debt-remove:hover { color: #E24B4A; }
.add-debt-btn {
  display: flex; align-items: center; gap: 6px;
  background: none; border: 1.5px dashed var(--border-mid);
  border-radius: var(--radius-md); padding: 11px 16px;
  font-size: 14px; font-weight: 600; color: var(--green);
  width: 100%; justify-content: center; cursor: pointer;
  transition: var(--transition); margin-bottom: 24px;
  font-family: var(--font-sans);
}
.add-debt-btn:hover { border-color: var(--green); background: var(--green-pale); }
.strategy-tabs { display: flex; gap: 8px; margin-bottom: 24px; }
.strat-tab {
  flex: 1; padding: 10px; border-radius: var(--radius-md);
  font-size: 13px; font-weight: 600; cursor: pointer;
  border: 1.5px solid var(--border); background: var(--off-white);
  color: var(--text-muted); transition: var(--transition);
  text-align: center; font-family: var(--font-sans);
}
.strat-tab.active { background: var(--green); color: var(--white); border-color: var(--green); }
.calc-btn {
  width: 100%; background: var(--green); color: var(--white);
  padding: 15px; border-radius: var(--radius-md);
  font-size: 16px; font-weight: 700; border: none;
  cursor: pointer; transition: var(--transition); font-family: var(--font-sans);
}
.calc-btn:hover { background: var(--green-dark); transform: translateY(-2px); box-shadow: var(--shadow-green); }

.calc-results { padding: 40px; background: var(--off-white); }
.calc-results h2 { font-size: 18px; font-weight: 700; margin-bottom: 28px; color: var(--text-dark); }
.result-empty {
  text-align: center; padding: 48px 0; color: var(--text-muted);
}
.result-empty-icon { font-size: 48px; margin-bottom: 16px; opacity: 0.5; }
.result-empty p { font-size: 15px; }
.results-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 28px; }
.result-stat {
  background: var(--white); border-radius: var(--radius-md);
  padding: 18px; border: 1px solid var(--border); text-align: center;
}
.result-stat-label { font-size: 11px; font-weight: 700; color: var(--text-muted); letter-spacing: 0.5px; text-transform: uppercase; margin-bottom: 6px; }
.result-stat-val { font-family: var(--font-serif); font-size: 26px; font-weight: 900; color: var(--green); }
.result-stat-val.danger { color: #E24B4A; }
.result-stat-val.gold { color: var(--gold); }
.payoff-timeline { margin-bottom: 24px; }
.timeline-label { font-size: 13px; font-weight: 600; color: var(--text-mid); margin-bottom: 10px; }
.debt-bar-row { margin-bottom: 10px; }
.debt-bar-info { display: flex; justify-content: space-between; font-size: 12px; color: var(--text-muted); margin-bottom: 4px; }
.debt-bar-track { background: var(--border); border-radius: 4px; height: 8px; overflow: hidden; }
.debt-bar-fill { height: 100%; border-radius: 4px; background: var(--green); transition: width 0.6s ease; }
.results-note {
  background: var(--navy-light); border-radius: var(--radius-md);
  padding: 14px 16px; font-size: 13px; color: var(--navy);
  line-height: 1.5;
}
.chart-wrap { margin-bottom: 24px; }
.chart-canvas { width: 100%; height: 200px; }

/* ============================================
   CONTACT SECTION
   ============================================ */
.contact-section { padding: 80px 0; background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-info h2 { font-family: var(--font-serif); font-size: clamp(24px, 3vw, 36px); margin-bottom: 14px; }
.contact-info p { color: var(--text-muted); margin-bottom: 28px; font-size: 15px; line-height: 1.7; }
.contact-detail {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 0; border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.contact-detail:last-child { border-bottom: none; }
.contact-detail-icon { font-size: 20px; width: 40px; text-align: center; }
.contact-form { background: var(--off-white); padding: 36px; border-radius: var(--radius-xl); }
.contact-form h3 { font-size: 18px; font-weight: 700; margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 18px; }
.form-label { font-size: 13px; font-weight: 600; color: var(--text-mid); display: block; margin-bottom: 7px; }
.form-control {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: var(--radius-md);
  background: var(--white); font-size: 15px; font-family: var(--font-sans);
  color: var(--text-dark); transition: var(--transition);
}
.form-control:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(29,158,117,0.1); }
textarea.form-control { resize: vertical; min-height: 120px; }
.form-submit { width: 100%; padding: 14px; font-size: 16px; font-weight: 700; }

/* ============================================
   FOOTER
   ============================================ */
.site-footer {
  background: #090e1a; color: rgba(255,255,255,0.55);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-brand .site-logo { font-size: 22px; margin-bottom: 14px; display: block; }
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 280px; }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.social-btn {
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(255,255,255,0.07);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6); font-size: 15px;
  transition: var(--transition); text-decoration: none;
}
.social-btn:hover { background: var(--green); color: var(--white); }
.footer-col h4 { font-size: 13px; font-weight: 700; color: var(--white); letter-spacing: 0.5px; text-transform: uppercase; margin-bottom: 16px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 14px; color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-col ul li a:hover { color: #5DCAA5; }
.footer-bottom {
  padding: 22px 0; display: flex;
  justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 13px; }
.footer-disc { font-size: 11px; color: rgba(255,255,255,0.25); max-width: 640px; line-height: 1.5; }

/* ============================================
   NEWSLETTER PAGE
   ============================================ */
.newsletter-page { padding: 0; }
.nl-hero {
  background: linear-gradient(145deg, var(--navy) 0%, #0C447C 60%, var(--green-dark) 100%);
  padding: calc(var(--header-h) + 80px) 0 100px;
  text-align: center; position: relative; overflow: hidden;
}
.nl-hero h1 { font-family: var(--font-serif); font-size: clamp(30px, 5vw, 56px); color: var(--white); margin-bottom: 14px; }
.nl-hero p { font-size: 18px; color: rgba(255,255,255,0.7); max-width: 460px; margin: 0 auto 36px; }
.nl-signup-box {
  background: var(--white); border-radius: var(--radius-xl);
  padding: 40px; max-width: 520px; margin: 0 auto;
  box-shadow: 0 24px 64px rgba(0,0,0,0.2);
}
.nl-signup-box h2 { font-size: 22px; font-weight: 700; margin-bottom: 6px; color: var(--text-dark); }
.nl-signup-box p { font-size: 14px; color: var(--text-muted); margin-bottom: 24px; }
.nl-big-form .nl-input-full {
  width: 100%; padding: 14px 18px; margin-bottom: 14px;
  border: 1.5px solid var(--border); border-radius: var(--radius-md);
  font-size: 15px; font-family: var(--font-sans); color: var(--text-dark);
  background: var(--off-white); transition: var(--transition);
}
.nl-input-full:focus { border-color: var(--green); background: var(--white); box-shadow: 0 0 0 3px rgba(29,158,117,0.1); }
.nl-submit { width: 100%; padding: 15px; font-size: 16px; font-weight: 700; }
.nl-perks { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; margin-top: 14px; }
.nl-perk { font-size: 12px; color: var(--text-muted); display: flex; align-items: center; gap: 4px; }
.nl-benefits { background: var(--off-white); padding: 72px 0; }
.nl-benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.benefit-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px;
}
.benefit-icon { font-size: 32px; margin-bottom: 14px; }
.benefit-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.benefit-card p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }
.nl-past { background: var(--white); padding: 72px 0; }
.past-issues { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; margin-top: 36px; }
.past-issue {
  background: var(--off-white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 22px;
  transition: var(--transition); cursor: pointer;
}
.past-issue:hover { border-color: var(--green); transform: translateY(-3px); box-shadow: var(--shadow-md); }
.past-issue-date { font-size: 11px; color: var(--text-light); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
.past-issue h4 { font-size: 15px; font-weight: 600; color: var(--text-dark); line-height: 1.4; }

/* ============================================
   PAGE TRANSITIONS & ANIMATIONS
   ============================================ */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.55s cubic-bezier(0.4, 0, 0.2, 1) both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ============================================
   UTILITIES
   ============================================ */
.text-center { text-align: center; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.hidden { display: none; }

/* ============================================
   RESPONSIVE — TABLET (≤ 900px)
   ============================================ */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-cta.desktop-only { display: none; }
  .topics-grid { grid-template-columns: repeat(2, 1fr); }
  .posts-layout { grid-template-columns: 1fr; }
  .posts-sidebar { flex-direction: row; flex-wrap: wrap; }
  .post-card-sm { flex: 1; min-width: 240px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .calc-layout { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--border); }
  .contact-grid { grid-template-columns: 1fr; }
  .nl-benefits-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================
   RESPONSIVE — MOBILE (≤ 600px)
   ============================================ */
@media (max-width: 600px) {
  :root { --header-h: 60px; }
  .container, .container-sm, .container-md { padding: 0 16px; }
  .topics-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 24px; }
  .hero-ctas { flex-direction: column; align-items: center; }
  .hero-ctas .btn { width: 100%; max-width: 300px; }
  .newsletter-inner { flex-direction: column; gap: 28px; }
  .nl-form { flex-direction: column; }
  .nl-btn { width: 100%; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: 1; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .results-stats { grid-template-columns: 1fr 1fr; }
  .field-input-row { flex-direction: column; }
  .posts-sidebar { flex-direction: column; }
  .nl-benefits-grid { grid-template-columns: 1fr; }
  .aff-grid { grid-template-columns: 1fr; }
  .strategy-tabs { flex-direction: column; }
  .hero-badge { font-size: 10px; }
  .trust-bar-inner { gap: 16px; }
}