/* Clarify Capital - clarifyscapital.com
   Theme: white > light gray > blue > light blue > yellow
   Layout: 2-Column */

:root{
  --c-bg:#ffffff;
  --c-surface:#f5f7fa;
  --c-surface-2:#eef2f7;
  --c-line:#dde4ed;
  --c-text:#1a2540;
  --c-text-soft:#4a5871;
  --c-text-muted:#7384a0;
  --c-primary:#0a3d8c;
  --c-primary-dark:#072a63;
  --c-primary-light:#3b6bb8;
  --c-sky:#5a9fe2;
  --c-sky-soft:#e8f1fb;
  --c-accent:#f5b50a;
  --c-accent-soft:#fff4ce;
  --c-success:#16734f;
  --c-shadow: 0 1px 2px rgba(13,40,90,.04), 0 4px 14px rgba(13,40,90,.06);
  --c-shadow-lg: 0 6px 24px rgba(13,40,90,.10), 0 12px 40px rgba(13,40,90,.08);
  --radius: 10px;
  --radius-lg: 16px;
  --content-w: 1180px;
  --content-narrow: 980px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family: Georgia, "Iowan Old Style", "Palatino Linotype", "Times New Roman", serif;
  font-size:17px;
  line-height:1.7;
  color:var(--c-text);
  background:var(--c-bg);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,h5,h6{
  font-family: "Helvetica Neue", Helvetica, Arial, "Liberation Sans", sans-serif;
  color:var(--c-text);
  line-height:1.25;
  font-weight:700;
  letter-spacing:-0.01em;
}
h1{font-size:clamp(28px,4vw,42px);margin-bottom:18px}
h2{font-size:clamp(24px,3vw,32px);margin:28px 0 14px}
h3{font-size:22px;margin:22px 0 10px}
h4{font-size:18px;margin:16px 0 8px}
p{margin-bottom:16px;color:var(--c-text-soft)}
a{color:var(--c-primary);text-decoration:none;transition:color .15s}
a:hover{color:var(--c-primary-dark);text-decoration:underline}
ul,ol{margin:8px 0 18px 22px;color:var(--c-text-soft)}
li{margin-bottom:6px}
img{max-width:100%;height:auto;display:block}
button{font-family:inherit;cursor:pointer}

/* ===== Skip link ===== */
.skip-link{
  position:absolute;left:-9999px;top:0;background:var(--c-primary);color:#fff;
  padding:10px 14px;z-index:9999;
}
.skip-link:focus{left:8px;top:8px}

/* ===== Top bar ===== */
.topbar{
  background:var(--c-primary-dark);color:#fff;font-size:13px;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}
.topbar .wrap{
  max-width:var(--content-w);margin:0 auto;padding:8px 22px;
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;
}
.topbar a{color:#fff;opacity:.92}
.topbar a:hover{opacity:1;text-decoration:none}

/* ===== Header / nav ===== */
.site-header{
  background:#fff;border-bottom:1px solid var(--c-line);
  position:sticky;top:0;z-index:1000;box-shadow:0 1px 0 rgba(13,40,90,.02);
}
.nav-wrap{
  max-width:var(--content-w);margin:0 auto;padding:14px 22px;
  display:flex;align-items:center;gap:18px;
}
.brand{
  display:flex;align-items:center;gap:10px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-weight:800;font-size:22px;color:var(--c-primary);letter-spacing:-0.02em;
  text-decoration:none;flex-shrink:0;
}
.brand:hover{text-decoration:none;color:var(--c-primary-dark)}
.brand img{width:36px;height:36px}
.brand span.dot{color:var(--c-accent)}

.nav-main{
  display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:15px;font-weight:600;
}
.nav-main li{margin:0;position:relative}
.nav-main > li > a, .nav-main > li > button{
  color:var(--c-text);padding:10px 14px;border-radius:8px;
  background:transparent;border:none;display:inline-flex;align-items:center;gap:6px;
  font-weight:600;font-size:15px;font-family:inherit;
}
.nav-main > li > a:hover, .nav-main > li > button:hover{
  background:var(--c-sky-soft);color:var(--c-primary);text-decoration:none;
}
.nav-main .caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px}

.dropdown{
  display:none;position:absolute;top:100%;left:0;min-width:230px;
  background:#fff;border:1px solid var(--c-line);border-radius:10px;
  box-shadow:var(--c-shadow-lg);padding:8px;z-index:1010;
}
/* Invisible hover bridge to keep dropdown open while cursor crosses gap */
.dropdown::before{
  content:"";position:absolute;top:-12px;left:0;right:0;height:12px;background:transparent;
}
.nav-main > li.has-drop{padding-bottom:6px;margin-bottom:-6px}
.dropdown li{display:block}
.dropdown a{
  display:block;padding:9px 12px;border-radius:6px;color:var(--c-text);
  font-weight:500;font-size:14px;
}
.dropdown a:hover{background:var(--c-sky-soft);color:var(--c-primary);text-decoration:none}
.nav-main li.has-drop:hover > .dropdown,
.nav-main li.has-drop:focus-within > .dropdown{display:block}

.nav-spacer{flex:1}
.nav-cta{
  background:var(--c-accent);color:var(--c-text);
  padding:11px 22px;border-radius:8px;font-weight:700;font-size:15px;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  box-shadow:0 2px 0 rgba(180,130,0,.25);
  white-space:nowrap;
}
.nav-cta:hover{background:#ffc52e;color:var(--c-text);text-decoration:none}

.nav-toggle{
  display:none;background:transparent;border:1px solid var(--c-line);
  width:42px;height:42px;border-radius:8px;align-items:center;justify-content:center;
}
.nav-toggle span{
  width:20px;height:2px;background:var(--c-text);position:relative;
}
.nav-toggle span::before, .nav-toggle span::after{
  content:"";position:absolute;left:0;width:20px;height:2px;background:var(--c-text);
}
.nav-toggle span::before{top:-6px}
.nav-toggle span::after{top:6px}

/* ===== Breadcrumb ===== */
.breadcrumb{
  background:var(--c-surface);border-bottom:1px solid var(--c-line);
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;
}
.breadcrumb ol{
  max-width:var(--content-w);margin:0 auto;padding:10px 22px;
  list-style:none;display:flex;flex-wrap:wrap;gap:6px;color:var(--c-text-muted);
}
.breadcrumb li{margin:0;display:inline-flex;align-items:center;gap:6px}
.breadcrumb li:not(:last-child)::after{content:"›";color:var(--c-text-muted);margin-left:6px}
.breadcrumb a{color:var(--c-primary-light);font-weight:500}
.breadcrumb [aria-current]{color:var(--c-text-soft);font-weight:600}

/* ===== Hero ===== */
.hero{
  background:linear-gradient(180deg, var(--c-sky-soft) 0%, #ffffff 100%);
  padding:50px 0 60px;border-bottom:1px solid var(--c-line);
}
.hero-wrap{
  max-width:var(--content-w);margin:0 auto;padding:0 22px;
  display:grid;grid-template-columns: 1.1fr 0.9fr;gap:46px;align-items:center;
}
.hero-text .tag{
  display:inline-block;background:var(--c-accent-soft);color:#7d5e00;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:12px;font-weight:700;
  padding:5px 11px;border-radius:6px;letter-spacing:.4px;text-transform:uppercase;
  margin-bottom:14px;
}
.hero-text h1{margin-bottom:14px}
.hero-text .lede{font-size:19px;color:var(--c-text-soft);margin-bottom:22px;line-height:1.65}
.hero-stats{
  display:flex;gap:18px;flex-wrap:wrap;margin-bottom:24px;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}
.hero-stats .s{padding:10px 14px;background:#fff;border:1px solid var(--c-line);border-radius:10px;box-shadow:var(--c-shadow)}
.hero-stats .n{font-size:22px;font-weight:800;color:var(--c-primary);display:block;line-height:1}
.hero-stats .l{font-size:12px;color:var(--c-text-muted);margin-top:4px;display:block;letter-spacing:.3px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:12px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}
.btn{
  display:inline-block;padding:13px 26px;border-radius:8px;font-weight:700;font-size:15px;
  text-decoration:none;border:none;transition:transform .08s, box-shadow .15s;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;cursor:pointer;
}
.btn-primary{background:var(--c-primary);color:#fff}
.btn-primary:hover{background:var(--c-primary-dark);color:#fff;text-decoration:none}
.btn-accent{background:var(--c-accent);color:var(--c-text);box-shadow:0 2px 0 rgba(180,130,0,.25)}
.btn-accent:hover{background:#ffc52e;color:var(--c-text);text-decoration:none}
.btn-outline{background:#fff;color:var(--c-primary);border:2px solid var(--c-primary)}
.btn-outline:hover{background:var(--c-sky-soft);color:var(--c-primary-dark);text-decoration:none}
.btn:active{transform:translateY(1px)}

.hero-image{position:relative}
.hero-image img{
  border-radius:var(--radius-lg);box-shadow:var(--c-shadow-lg);
  width:100%;aspect-ratio:16/9;object-fit:cover;
}
.hero-image .badge{
  position:absolute;bottom:-18px;right:-12px;background:#fff;border:1px solid var(--c-line);
  border-radius:14px;padding:14px 18px;box-shadow:var(--c-shadow-lg);
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}
.hero-image .badge .stars{color:var(--c-accent);font-size:18px;letter-spacing:1px}
.hero-image .badge .score{font-size:24px;font-weight:800;color:var(--c-text)}
.hero-image .badge .meta{font-size:12px;color:var(--c-text-muted)}

/* ===== Form embed under hero ===== */
.form-section{
  background:#fff;padding:34px 0;border-bottom:1px solid var(--c-line);
  position:relative;z-index:1;
}
.form-wrap{
  max-width:760px;margin:0 auto;padding:0 22px;text-align:center;
}
.form-wrap h2{margin-bottom:8px;font-size:24px}
.form-wrap .sub{color:var(--c-text-soft);margin-bottom:22px}
#_lg_form_{
  background:var(--c-surface);border:1px solid var(--c-line);border-radius:12px;
  padding:22px;min-height:90px;position:relative;z-index:1;
}

/* ===== Section base ===== */
.section{padding:60px 0;border-bottom:1px solid var(--c-line)}
.section.alt{background:var(--c-surface)}
.section-wrap{max-width:var(--content-w);margin:0 auto;padding:0 22px}
/* Centered narrow content wrapper for pages without sidebar */
.single-col{max-width:880px;margin:0 auto;padding:0 22px}
.single-col > p, .single-col > h2, .single-col > h3,
.single-col > ul, .single-col > ol, .single-col > blockquote{margin-left:0;margin-right:0}
.section-head{text-align:center;margin-bottom:40px}
.section-head .eyebrow{
  display:inline-block;color:var(--c-primary);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-size:13px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;margin-bottom:8px;
}
.section-head h2{font-size:32px;margin:0 auto 10px;max-width:760px}
.section-head p{max-width:680px;margin:0 auto;color:var(--c-text-soft)}

/* ===== 2-column body layout ===== */
.two-col{
  display:grid;grid-template-columns:1.2fr 0.8fr;gap:34px;align-items:start;
  max-width:var(--content-w);margin:0 auto;padding:60px 22px;
}
.two-col .col-main{}
.two-col .col-side{}
.two-col .col-side .side-img{
  width:100%;border-radius:var(--radius);box-shadow:var(--c-shadow);
  aspect-ratio:2/3;object-fit:cover;
}
.two-col .col-side .side-card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);
  padding:22px;box-shadow:var(--c-shadow);margin-top:18px;
}
.two-col .col-side .side-card h4{margin-top:0;color:var(--c-primary)}
.two-col .col-side .side-card ul{margin-left:18px}
.two-col .col-side .side-card .small{font-size:14px;color:var(--c-text-soft)}

/* Quick-info row: horizontal pair of cards above article body (replaces sidebar) */
.quick-info-row{
  max-width:1080px;margin:0 auto;padding:30px 22px 10px;
  display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:stretch;
}
.quick-info-row .side-card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);
  padding:22px;box-shadow:var(--c-shadow);margin:0;
}
.quick-info-row .side-card h4{margin-top:0;margin-bottom:10px;color:var(--c-primary);font-size:17px}
.quick-info-row .side-card ul{margin-left:18px;font-size:15px;line-height:1.6}
.quick-info-row .side-card ul li{margin-bottom:5px}
.quick-info-row .side-card p, .quick-info-row .side-card .small{font-size:14px;color:var(--c-text-soft);line-height:1.6}
.quick-info-row .side-card a{color:var(--c-primary);font-weight:600}
@media (max-width: 760px){
  .quick-info-row{grid-template-columns:1fr;gap:14px;padding:20px 16px 0}
}

/* Mixed 2-col for content sections (text + image side by side) */
.split{
  display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center;margin:36px 0;
}
.split.reverse > div:first-child{order:2}
.split img{border-radius:var(--radius);box-shadow:var(--c-shadow);width:100%;aspect-ratio:2/3;object-fit:cover}
.split .img-h img{aspect-ratio:3/2}

/* ===== Loan amount cards (3 in a row) ===== */
.amount-cards{
  display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:30px 0;
}
.amount-cards .card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);
  padding:24px 20px;text-align:center;text-decoration:none;color:inherit;
  transition:transform .15s, box-shadow .15s, border-color .15s;display:block;
}
.amount-cards .card:hover{
  transform:translateY(-3px);box-shadow:var(--c-shadow-lg);border-color:var(--c-sky);
  text-decoration:none;color:inherit;
}
.amount-cards .card .amt{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-size:34px;font-weight:800;color:var(--c-primary);line-height:1;margin-bottom:8px;
}
.amount-cards .card .lbl{font-size:14px;color:var(--c-text-muted);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}
.amount-cards .card .ftr{
  margin-top:14px;font-size:13px;color:var(--c-primary);font-weight:700;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}

/* ===== Loan category grid (on home / dropdown) ===== */
.cat-grid{
  display:grid;grid-template-columns:repeat(3, 1fr);gap:18px;
}
.cat-card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);
  overflow:hidden;text-decoration:none;color:inherit;transition:transform .15s, box-shadow .15s;
  display:flex;flex-direction:column;
}
.cat-card:hover{transform:translateY(-3px);box-shadow:var(--c-shadow-lg);text-decoration:none;color:inherit}
.cat-card img{aspect-ratio:3/2;object-fit:cover;width:100%}
.cat-card .body{padding:18px}
.cat-card h3{font-size:18px;margin:0 0 6px;color:var(--c-primary)}
.cat-card p{font-size:14px;color:var(--c-text-soft);margin:0}
.cat-card .more{display:inline-block;margin-top:10px;color:var(--c-primary);font-size:13px;font-weight:700;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}

/* ===== Blog grid ===== */
.blog-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:22px;
}
.blog-card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);
  overflow:hidden;color:inherit;text-decoration:none;display:flex;flex-direction:column;
  transition:transform .15s, box-shadow .15s;
}
.blog-card:hover{transform:translateY(-3px);box-shadow:var(--c-shadow-lg);text-decoration:none;color:inherit}
.blog-card .img-wrap{display:block;overflow:hidden}
.blog-card .img-wrap img{aspect-ratio:3/2;object-fit:cover;width:100%}
.blog-card .body{padding:18px;flex:1;display:flex;flex-direction:column}
.blog-card h3{font-size:17px;margin:0 0 8px;color:var(--c-text);line-height:1.35}
.blog-card h3 a{color:inherit;text-decoration:none}
.blog-card h3 a:hover{color:var(--c-primary)}
.blog-card .excerpt{font-size:14px;color:var(--c-text-soft);flex:1}
.blog-card .meta{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:12px;
  color:var(--c-text-muted);margin-bottom:6px;letter-spacing:.3px;
}

/* ===== Compare table (alternative page) ===== */
.compare-list{display:grid;grid-template-columns:1fr;gap:16px}
.compare-item{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);padding:22px;
  display:grid;grid-template-columns:140px 1fr;gap:20px;align-items:start;
}
.compare-item .logo{
  background:var(--c-sky-soft);color:var(--c-primary);border-radius:8px;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;
  font-size:22px;height:90px;display:flex;align-items:center;justify-content:center;text-align:center;padding:8px;
}
.compare-item h3{margin:0 0 6px;font-size:20px;color:var(--c-text)}
.compare-item .tag{display:inline-block;background:var(--c-accent-soft);color:#7d5e00;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:11px;font-weight:700;padding:2px 8px;border-radius:4px;letter-spacing:.4px;text-transform:uppercase;margin-left:6px}
.compare-item p{margin:8px 0;color:var(--c-text-soft);font-size:15px}
.compare-item .specs{
  display:grid;grid-template-columns:repeat(auto-fill, minmax(160px,1fr));gap:8px;margin-top:10px;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;
}
.compare-item .specs .spec{background:var(--c-surface);border-radius:6px;padding:7px 10px}
.compare-item .specs .k{display:block;font-size:11px;color:var(--c-text-muted);text-transform:uppercase;letter-spacing:.3px}
.compare-item .specs .v{font-weight:700;color:var(--c-text)}

/* ===== Reviews section ===== */
.review-summary{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius-lg);
  padding:30px;display:grid;grid-template-columns:auto 1fr;gap:30px;align-items:center;margin-bottom:34px;box-shadow:var(--c-shadow);
}
.review-summary .score{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;text-align:center;
}
.review-summary .score .big{font-size:64px;font-weight:800;color:var(--c-primary);line-height:1}
.review-summary .score .stars{color:var(--c-accent);font-size:24px;letter-spacing:2px;margin:6px 0}
.review-summary .score .out{font-size:13px;color:var(--c-text-muted)}
.review-summary .bars{display:grid;gap:8px}
.review-summary .bar{
  display:grid;grid-template-columns:46px 1fr 60px;gap:10px;align-items:center;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;
}
.review-summary .bar .track{background:var(--c-surface-2);height:8px;border-radius:4px;overflow:hidden}
.review-summary .bar .fill{height:100%;background:var(--c-accent);border-radius:4px}

.review-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.review-card{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);padding:20px;
}
.review-card .top{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.review-card .avatar{
  width:42px;height:42px;border-radius:50%;
  background:var(--c-sky-soft);color:var(--c-primary);
  display:flex;align-items:center;justify-content:center;font-weight:800;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:16px;
}
.review-card .who{font-weight:700;color:var(--c-text);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:14px}
.review-card .where{font-size:12px;color:var(--c-text-muted);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}
.review-card .stars{color:var(--c-accent);font-size:14px;letter-spacing:1px;margin-bottom:6px}
.review-card .text{font-size:15px;color:var(--c-text-soft);font-family:Georgia, serif}
.review-card .when{font-size:12px;color:var(--c-text-muted);margin-top:8px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}

/* ===== FAQ ===== */
.faq-list{max-width:880px;margin:0 auto}
.faq-item{
  background:#fff;border:1px solid var(--c-line);border-radius:var(--radius);
  margin-bottom:12px;overflow:hidden;
}
.faq-item summary{
  list-style:none;padding:18px 22px;cursor:pointer;font-weight:700;color:var(--c-text);
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:16px;
  display:flex;justify-content:space-between;align-items:center;gap:14px;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"+";font-size:24px;color:var(--c-primary);font-weight:400;flex-shrink:0;
}
.faq-item[open] summary::after{content:"–"}
.faq-item .answer{padding:16px 22px;color:var(--c-text-soft);font-size:15px;border-top:1px solid var(--c-line)}
.faq-item .answer p{margin:0}
.faq-item .answer p + p{margin-top:12px}

/* ===== Calculator ===== */
.calc-wrap{
  max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--c-line);
  border-radius:var(--radius-lg);padding:30px;box-shadow:var(--c-shadow);
}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:18px}
.calc-field label{
  display:block;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;
  color:var(--c-text-muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px;font-weight:700;
}
.calc-field input[type=number],
.calc-field input[type=range]{
  width:100%;padding:12px 14px;border:1px solid var(--c-line);border-radius:8px;
  font-size:16px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;color:var(--c-text);
  background:#fff;
}
.calc-field input[type=range]{padding:0;height:8px;background:var(--c-surface-2);accent-color:var(--c-primary)}
.calc-result{
  background:var(--c-sky-soft);border-radius:12px;padding:24px;margin-top:18px;
  display:grid;grid-template-columns:repeat(3,1fr);gap:14px;text-align:center;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}
.calc-result .r{padding:8px}
.calc-result .v{font-size:26px;font-weight:800;color:var(--c-primary);display:block}
.calc-result .k{font-size:12px;color:var(--c-text-muted);text-transform:uppercase;letter-spacing:.4px;margin-top:4px;display:block}

/* ===== Blog post layout ===== */
.post{max-width:880px;margin:0 auto;padding:40px 22px}
.post .meta{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;
  color:var(--c-text-muted);margin-bottom:10px;
}
.post h1{margin-bottom:18px;font-size:36px;line-height:1.2}
.post .author{
  display:flex;align-items:center;gap:12px;padding:16px 0;border-top:1px solid var(--c-line);border-bottom:1px solid var(--c-line);margin-bottom:24px;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}
.post .author .ai{
  width:46px;height:46px;border-radius:50%;background:var(--c-primary);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;
}
.post .author .name{font-weight:700;color:var(--c-text)}
.post .author .role{font-size:13px;color:var(--c-text-muted)}
.post .hero-img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:var(--radius-lg);margin-bottom:30px;box-shadow:var(--c-shadow)}
.post .vimg{width:100%;max-width:380px;aspect-ratio:2/3;object-fit:cover;border-radius:var(--radius);margin:20px 0;box-shadow:var(--c-shadow);float:right;margin-left:24px}
.post p{font-size:17px;line-height:1.75;margin-bottom:18px}
.post h2{font-size:26px;margin-top:34px}
.post h3{font-size:20px}
.post blockquote{
  border-left:4px solid var(--c-accent);padding:14px 20px;margin:24px 0;
  background:var(--c-accent-soft);font-style:italic;color:var(--c-text);border-radius:0 8px 8px 0;
}
.post-social{
  display:flex;gap:10px;margin:24px 0;padding:14px 0;border-top:1px solid var(--c-line);border-bottom:1px solid var(--c-line);
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;align-items:center;
}
.post-social .label{font-size:13px;color:var(--c-text-muted);margin-right:6px}
.post-social a{
  width:38px;height:38px;border-radius:50%;background:var(--c-surface);color:var(--c-primary);
  display:flex;align-items:center;justify-content:center;font-weight:700;
}
.post-social a:hover{background:var(--c-primary);color:#fff;text-decoration:none}

.related{margin-top:40px}
.related h3{margin-bottom:14px}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}

/* ===== Trust strip ===== */
.trust-strip{
  background:var(--c-surface);padding:24px 0;border-bottom:1px solid var(--c-line);
}
.trust-strip .wrap{
  max-width:var(--content-w);margin:0 auto;padding:0 22px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center;
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
}
.trust-strip .item .n{font-size:26px;font-weight:800;color:var(--c-primary);display:block}
.trust-strip .item .l{font-size:13px;color:var(--c-text-muted);margin-top:2px;display:block}

/* ===== CTA above footer ===== */
.cta-zone{
  background:linear-gradient(120deg, var(--c-primary) 0%, var(--c-primary-dark) 100%);
  color:#fff;padding:60px 0;position:relative;overflow:hidden;
}
.cta-zone::before{
  content:"";position:absolute;inset:0;
  background-image:radial-gradient(circle at 20% 30%, rgba(245,181,10,.15), transparent 35%),
                   radial-gradient(circle at 80% 70%, rgba(90,159,226,.18), transparent 40%);
  pointer-events:none;
}
.cta-zone .wrap{
  max-width:var(--content-w);margin:0 auto;padding:0 22px;
  position:relative;z-index:1;
}
.cta-zone .wrap.cta-text-only{
  text-align:center;max-width:780px;
}
.cta-zone .cta-eyebrow{
  display:inline-block;
  color:var(--c-accent);font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-size:13px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;
  margin-bottom:10px;
}
.cta-zone h2{color:#fff;font-size:32px;margin-bottom:14px;line-height:1.2}
.cta-zone p{color:rgba(255,255,255,.88);margin-bottom:0;font-size:17px}
.cta-zone p strong{color:#fff;font-weight:700}
.cta-zone .actions{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.cta-zone .btn-primary{background:var(--c-accent);color:var(--c-text)}
.cta-zone .btn-primary:hover{background:#ffc52e}
.cta-zone .btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.cta-zone .btn-outline:hover{background:rgba(255,255,255,.1);color:#fff}

/* ===== Keyword band (lightweight content section) ===== */
.kw-band{
  background:var(--c-sky-soft);border-top:1px solid var(--c-line);border-bottom:1px solid var(--c-line);
  padding:38px 0;
}
.kw-band-wrap{
  max-width:920px;margin:0 auto;padding:0 22px;
}
.kw-band h2{
  font-size:22px;margin-bottom:14px;color:var(--c-primary-dark);
}
.kw-band p{
  font-size:16px;line-height:1.75;color:var(--c-text-soft);margin-bottom:14px;
}
.kw-band p:last-child{margin-bottom:0}
.kw-band strong{color:var(--c-text);font-weight:700}

/* ===== Footer ===== */
.site-footer{background:#0a1830;color:#cfd6e3;padding:50px 0 0;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:14px}
.foot-grid{
  max-width:var(--content-w);margin:0 auto;padding:0 22px 30px;
  display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px;
}
.foot-grid h5{color:#fff;font-size:14px;margin-bottom:14px;letter-spacing:.4px;font-weight:700;text-transform:uppercase}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin-bottom:8px}
.foot-grid a{color:#cfd6e3}
.foot-grid a:hover{color:#fff;text-decoration:underline}
.foot-grid .brand-block .brand{color:#fff;margin-bottom:10px}
.foot-grid .brand-block .brand:hover{color:#fff}
.foot-grid .contact{margin-top:10px;color:#9eaac1;line-height:1.7}
.foot-disclosure{
  border-top:1px solid #1d2c4d;padding:24px 22px;max-width:var(--content-w);margin:0 auto;
  color:#8693ad;font-size:12px;line-height:1.7;
}
.foot-bottom{
  background:#06101f;padding:14px 22px;text-align:center;color:#8693ad;font-size:12px;
}

/* ===== Scroll to top ===== */
#scrollTop{
  position:fixed;bottom:24px;right:24px;width:46px;height:46px;border-radius:50%;
  background:var(--c-primary);color:#fff;border:none;font-size:20px;cursor:pointer;
  box-shadow:var(--c-shadow-lg);display:none;align-items:center;justify-content:center;z-index:40;
}
#scrollTop:hover{background:var(--c-primary-dark)}
#scrollTop.show{display:flex}

/* ===== Responsive ===== */
@media (max-width: 980px){
  .nav-main{
    display:none;position:absolute;top:100%;left:0;right:0;background:#fff;
    flex-direction:column;align-items:stretch;border-bottom:1px solid var(--c-line);
    padding:10px;gap:0;box-shadow:var(--c-shadow-lg);
  }
  .nav-main.open{display:flex}
  .nav-main > li{width:100%}
  .nav-main > li > a, .nav-main > li > button{
    width:100%;justify-content:space-between;padding:14px;
  }
  .dropdown{
    position:static;box-shadow:none;border:none;border-left:3px solid var(--c-sky-soft);
    border-radius:0;margin-left:14px;padding:4px 0;display:none;
  }
  .nav-main li.has-drop.open .dropdown{display:block}
  .nav-main li.has-drop:hover .dropdown{display:none}
  .nav-main li.has-drop.open .dropdown{display:block}
  .nav-spacer{display:none}
  .nav-toggle{display:flex}
  .nav-cta{width:100%;text-align:center;margin-top:6px}

  .hero-wrap{grid-template-columns:1fr;gap:30px}
  .two-col{grid-template-columns:1fr;gap:24px;padding:40px 22px}
  .split{grid-template-columns:1fr}
  .split.reverse > div:first-child{order:0}
  .amount-cards{grid-template-columns:1fr;gap:12px}
  .blog-grid{grid-template-columns:1fr}
  .cat-grid{grid-template-columns:repeat(2, 1fr)}
  .compare-item{grid-template-columns:1fr}
  .compare-item .logo{height:60px}
  .review-list{grid-template-columns:1fr}
  .review-summary{grid-template-columns:1fr}
  .calc-row{grid-template-columns:1fr}
  .trust-strip .wrap{grid-template-columns:1fr 1fr}
  .cta-zone .wrap{padding:0 22px}
  .cta-zone .wrap.cta-text-only{max-width:100%}
  .cta-zone h2{font-size:26px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .related-grid{grid-template-columns:1fr}
  .post .vimg{float:none;margin:20px auto;max-width:100%}
}
@media (max-width: 560px){
  .cat-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .hero-stats{flex-direction:column}
  .hero-stats .s{width:100%}
  .review-summary .bar{grid-template-columns:36px 1fr 50px;font-size:12px}
}

/* Typography: prevent orphans, balance headings */
h1, h2, h3, h4, .hero-text h1, .section-head h2, .kw-band h2, .cta-zone h2, .post h1 {
  text-wrap: balance;
}
p, .lede, .hero-text .lede, .post p, .blog-card .excerpt, .kw-band p {
  text-wrap: pretty;
}
/* Prevent single-word lines on important text */
.hero-text h1, .section-head h2, .post h1 {
  max-width: 22em;
}
.hero-text .lede {
  max-width: 36em;
}