/* ============================================
   HomeBridge — Custom Theme CSS
   Educational HECM landing page
   ============================================ */

/* === VARIABLES === */
:root {
  --cream: #FBF8F3;
  --cream-dark: #F5EFE6;
  --cream-darker: #E8D5C4;
  --navy: #1A2744;
  --navy-light: #2D3A5A;
  --navy-muted: rgba(26, 39, 68, 0.08);
  --amber: #C9883B;
  --amber-light: #D4A14A;
  --amber-muted: rgba(201, 136, 59, 0.15);
  --charcoal: #2D2D2D;
  --gray-600: #4A4A4A;
  --gray-400: #888888;
  --font-serif: 'Lora', Georgia, serif;
  --font-sans: 'DM Sans', system-ui, sans-serif;
}

/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  background: var(--cream);
  color: var(--charcoal);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

::selection {
  background: var(--amber-muted);
  color: var(--navy);
}

/* === TYPOGRAPHY === */
.eyebrow {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 1rem;
}

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 600; }
h3 { font-size: 1.2rem; font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }

p { font-size: 1rem; color: var(--gray-600); }

a { color: var(--navy); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--amber); }

/* === SECTION UTILITIES === */
.section-header { max-width: 600px; }
.section-header--center { margin: 0 auto; text-align: center; }
.section-header--center p { margin-top: 1rem; max-width: 520px; margin-left: auto; margin-right: auto; }
.section-sub { font-size: 1.05rem; }

/* ============================================
   HERO
   ============================================ */
.hero {
  background: var(--cream);
  padding: 5rem 2rem 6rem;
  overflow: hidden;
}

.hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-illustration {
  display: flex;
  justify-content: center;
}

.hero-illustration svg {
  width: 100%;
  max-width: 460px;
  height: auto;
  filter: drop-shadow(0 12px 40px rgba(26, 39, 68, 0.12));
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.hero-headline {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--navy);
}

.hero-subhead {
  font-size: 1.1rem;
  line-height: 1.65;
  color: var(--gray-600);
  max-width: 480px;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 0.5rem;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.4rem 0.9rem;
  background: var(--navy-muted);
  border: 1px solid rgba(26, 39, 68, 0.1);
  border-radius: 2rem;
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: 0.02em;
}

/* ============================================
   WHY HECM
   ============================================ */
.why-hecm {
  background: var(--cream-dark);
  padding: 6rem 2rem;
}

.why-hecm-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.why-hecm .section-header {
  margin-bottom: 3.5rem;
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.why-card {
  background: var(--cream);
  border-radius: 16px;
  padding: 2rem;
  border: 1px solid rgba(26, 39, 68, 0.06);
  transition: transform 0.2s, box-shadow 0.2s;
}

.why-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(26, 39, 68, 0.08);
}

.why-icon {
  width: 48px;
  height: 48px;
  margin-bottom: 1.25rem;
}

.why-icon svg {
  width: 48px;
  height: 48px;
}

.why-card h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.why-card p {
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--gray-600);
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.how-it-works {
  background: var(--cream);
  padding: 6rem 2rem;
  border-top: 1px solid rgba(26, 39, 68, 0.06);
}

.how-it-works-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.how-it-works .section-header {
  margin-bottom: 4rem;
}

.steps-row {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: start;
  gap: 0;
}

.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1rem;
}

.step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--cream);
  font-family: var(--font-serif);
  font-size: 1.4rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.step-body h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.step-body p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.6;
  max-width: 260px;
  margin: 0 auto;
}

.step-illustration {
  width: 120px;
  height: 100px;
}

.step-illustration svg {
  width: 100%;
  height: 100%;
}

.step-connector {
  display: flex;
  align-items: center;
  padding-top: 28px;
}

.step-connector span {
  display: block;
  width: 60px;
  height: 2px;
  background: linear-gradient(90deg, var(--cream-darker), var(--navy-muted));
  border-radius: 2px;
}

/* ============================================
   ELIGIBILITY
   ============================================ */
.eligibility {
  background: var(--navy);
  padding: 6rem 2rem;
  color: var(--cream);
}

.eligibility-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 5rem;
  align-items: start;
}

.eligibility-aside h2 {
  color: var(--cream);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  margin-bottom: 1rem;
  margin-top: 0.75rem;
}

.eligibility-aside p {
  color: rgba(251, 248, 243, 0.7);
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 1.5rem;
}

.eligibility-note {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 1rem 1.25rem;
  background: rgba(201, 136, 59, 0.12);
  border: 1px solid rgba(201, 136, 59, 0.2);
  border-radius: 10px;
}

.eligibility-note svg { flex-shrink: 0; margin-top: 2px; }

.eligibility-note span {
  font-size: 0.875rem;
  color: rgba(251, 248, 243, 0.8);
  line-height: 1.5;
}

.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.elig-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem;
  background: rgba(251, 248, 243, 0.05);
  border: 1px solid rgba(251, 248, 243, 0.08);
  border-radius: 12px;
  transition: background 0.2s;
}

.elig-item:hover { background: rgba(251, 248, 243, 0.08); }

.elig-icon {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
}

.elig-icon svg {
  width: 40px;
  height: 40px;
}

.elig-item h4 {
  font-family: var(--font-serif);
  font-size: 0.95rem;
  color: var(--cream);
  margin-bottom: 0.35rem;
}

.elig-item p {
  font-size: 0.8rem;
  color: rgba(251, 248, 243, 0.6);
  line-height: 1.5;
}

/* ============================================
   QUALIFICATIONS / FORM PREVIEW
   ============================================ */
.qualifications {
  background: var(--cream-dark);
  padding: 6rem 2rem;
}

.qualifications-inner {
  max-width: 700px;
  margin: 0 auto;
}

.qualifications .section-header {
  text-align: center;
  margin-bottom: 3rem;
}

/* ---- Real pre-qual form (replaces static form-preview) ---- */

/* Success + Error states */
.prequal-success {
  background: var(--cream);
  border: 1.5px solid var(--amber);
  border-radius: 16px;
  padding: 2.5rem;
  text-align: center;
}
.prequal-success .success-icon { margin-bottom: 1.25rem; }
.prequal-success .success-title {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.prequal-success .success-body { font-size: 1.05rem; color: var(--gray-600); line-height: 1.6; }

.prequal-error {
  background: #FFF0F0;
  border: 1.5px solid #D9534F;
  border-radius: 10px;
  padding: 0.85rem 1.25rem;
  margin-bottom: 1.5rem;
}
.prequal-error p { font-size: 0.95rem; color: #B52B27; margin: 0; }

/* Form card */
.prequal-form {
  background: var(--cream);
  border: 1px solid rgba(26, 39, 68, 0.1);
  border-radius: 20px;
  padding: 2.5rem;
  box-shadow: 0 4px 24px rgba(26, 39, 68, 0.06);
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

/* Two-column row for name + email */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

/* Form groups */
.form-group { display: flex; flex-direction: column; gap: 0.6rem; }
.form-group label {
  font-family: var(--font-sans);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--navy);
}
.form-group .required { color: var(--amber); }

/* Text inputs + select + textarea — senior-friendly: 18px, clear borders */
.form-group input[type="text"],
.form-group input[type="email"],
.form-group select,
.form-group textarea {
  font-family: var(--font-sans);
  font-size: 18px;
  color: var(--charcoal);
  background: #fff;
  border: 1.5px solid rgba(26, 39, 68, 0.2);
  border-radius: 10px;
  padding: 0.75rem 1rem;
  line-height: 1.5;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
  width: 100%;
  box-sizing: border-box;
  -webkit-appearance: none;
  appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--amber);
  box-shadow: 0 0 0 3px var(--amber-muted);
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M6 9l6 6 6-6' stroke='%23888' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  background-size: 18px;
  padding-right: 2.5rem;
}
.form-group textarea { resize: vertical; min-height: 90px; }

/* Radio pills */
.field-options {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.radio-pill { cursor: pointer; }
.radio-pill input[type="radio"] { position: absolute; opacity: 0; pointer-events: none; }
.radio-pill span {
  display: inline-flex;
  align-items: center;
  padding: 0.55rem 1.1rem;
  background: var(--navy-muted);
  border: 1.5px solid rgba(26, 39, 68, 0.12);
  border-radius: 8px;
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--navy);
  user-select: none;
  transition: border-color 0.15s, background 0.15s;
}
.radio-pill input[type="radio"]:checked + span {
  background: var(--amber-muted);
  border-color: var(--amber);
  color: var(--navy);
  font-weight: 600;
}
.radio-pill:hover span {
  border-color: var(--amber);
  background: var(--amber-muted);
}

/* Consent row */
.form-consent {
  background: var(--cream-dark);
  border-radius: 10px;
  border: 1px solid rgba(26, 39, 68, 0.06);
  padding: 1rem 1.25rem;
}
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
}
.consent-label input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--amber);
  cursor: pointer;
}
.consent-label span {
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: var(--gray-400);
  line-height: 1.55;
}

/* Submit button */
.submit-btn {
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: var(--navy);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 1rem 2.25rem;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
}
.submit-btn:hover:not(:disabled) { background: var(--navy-light); transform: translateY(-1px); }
.submit-btn:disabled { opacity: 0.65; cursor: not-allowed; transform: none; }
.submit-spinner { display: flex; align-items: center; gap: 0.4rem; }
.spin-icon { animation: spin 0.9s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================
   CLOSING
   ============================================ */
.closing {
  background: var(--cream);
  padding: 7rem 2rem 6rem;
  border-top: 1px solid rgba(26, 39, 68, 0.06);
}

.closing-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 5rem;
  align-items: center;
}

.closing-content .closing-kicker {
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 1.25rem;
}

.closing-content h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 1.5rem;
}

.closing-content h2 em {
  font-style: italic;
  color: var(--amber);
}

.closing-content p {
  font-size: 1rem;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.closing-aside {
  background: var(--cream-dark);
  border-radius: 20px;
  padding: 2.5rem;
  border: 1px solid rgba(26, 39, 68, 0.06);
}

.stat-row {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.stat {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(26, 39, 68, 0.08);
}

.stat:last-child { border-bottom: none; padding-bottom: 0; }

.stat-number {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

.stat-label {
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: var(--gray-400);
  line-height: 1.4;
}

/* ============================================
   FOOTER
   ============================================ */
footer {
  background: var(--navy);
  color: var(--cream);
  padding: 4rem 2rem 2rem;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 4rem;
  margin-bottom: 3rem;
}

.footer-brand .footer-name {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--cream);
  display: block;
  margin-bottom: 0.75rem;
}

.footer-brand p {
  font-size: 0.875rem;
  color: rgba(251, 248, 243, 0.55);
  line-height: 1.6;
  max-width: 240px;
}

.footer-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.footer-col h5 {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(251, 248, 243, 0.5);
  margin-bottom: 1rem;
}

.footer-col a {
  display: block;
  font-size: 0.9rem;
  color: rgba(251, 248, 243, 0.65);
  margin-bottom: 0.6rem;
  transition: color 0.2s;
}

.footer-col a:hover { color: var(--amber-light); }

.footer-bottom {
  max-width: 1100px;
  margin: 0 auto;
  padding-top: 2rem;
  border-top: 1px solid rgba(251, 248, 243, 0.08);
}

.footer-bottom p {
  font-size: 0.78rem;
  color: rgba(251, 248, 243, 0.35);
  line-height: 1.6;
  margin-bottom: 0.5rem;
}

.footer-legal {
  color: rgba(251, 248, 243, 0.25) !important;
}

/* ============================================
   HERO FORM PREVIEW (embedded above-the-fold mini form)
   ============================================ */
.hero-form-preview {
  background: var(--cream-dark);
  border: 1px solid rgba(26, 39, 68, 0.1);
  border-radius: 16px;
  padding: 1.5rem 1.75rem;
  margin-top: 0.5rem;
}

.hero-form-label {
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1.1rem;
}

.hero-form-fields {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 1.1rem;
}

.hero-field-group { display: flex; flex-direction: column; gap: 0.4rem; }

.hero-field-label {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--navy);
}

.hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.hero-pill {
  padding: 0.45rem 0.9rem;
  background: var(--cream);
  border: 1.5px solid rgba(26, 39, 68, 0.15);
  border-radius: 8px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--navy);
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
}

.hero-pill:hover,
.hero-pill--active {
  background: var(--amber-muted);
  border-color: var(--amber);
  font-weight: 600;
}

.hero-select {
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--charcoal);
  background: #fff;
  border: 1.5px solid rgba(26, 39, 68, 0.2);
  border-radius: 10px;
  padding: 0.65rem 2.5rem 0.65rem 0.9rem;
  width: 100%;
  max-width: 320px;
  outline: none;
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M6 9l6 6 6-6' stroke='%23888' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  background-size: 18px;
  transition: border-color 0.2s;
}

.hero-select:focus { border-color: var(--amber); box-shadow: 0 0 0 3px var(--amber-muted); }

.hero-form-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--amber);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.8rem 1.5rem;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  letter-spacing: 0.01em;
  width: 100%;
}

.hero-form-btn:hover { background: var(--amber-light); transform: translateY(-1px); }

.hero-form-fine {
  font-family: var(--font-sans);
  font-size: 0.72rem;
  color: var(--gray-400);
  margin-top: 0.65rem;
  text-align: center;
}

/* ============================================
   ELIGIBILITY CHECKLIST
   ============================================ */
.checklist {
  background: var(--cream);
  padding: 5rem 2rem;
  border-top: 1px solid rgba(26, 39, 68, 0.06);
  border-bottom: 1px solid rgba(26, 39, 68, 0.06);
}

.checklist-inner {
  max-width: 820px;
  margin: 0 auto;
}

.checklist-header {
  text-align: center;
  margin-bottom: 2.5rem;
}

.checklist-header h2 {
  margin-top: 0.5rem;
  margin-bottom: 0.5rem;
}

.checklist-sub {
  font-size: 1rem;
  color: var(--gray-600);
  max-width: 500px;
  margin: 0 auto;
}

.checklist-list {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  background: var(--cream-dark);
  border: 1px solid rgba(26, 39, 68, 0.06);
  border-radius: 12px;
  padding: 1.1rem 1.25rem;
}

.check-icon {
  flex-shrink: 0;
  margin-top: 1px;
}

.check-text {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}

.check-text strong {
  font-family: var(--font-serif);
  font-size: 0.95rem;
  color: var(--navy);
  font-weight: 600;
  line-height: 1.3;
}

.check-text span {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: var(--gray-600);
  line-height: 1.5;
}

.checklist-cta {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1rem;
}

.checklist-reassurance {
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
}

.checklist-btn {
  display: inline-flex;
  align-items: center;
  background: var(--navy);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  padding: 0.85rem 2rem;
  border-radius: 10px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  letter-spacing: 0.01em;
}

.checklist-btn:hover { background: var(--navy-light); transform: translateY(-1px); color: #fff; }

/* ============================================
   ELIGIBILITY QUICK-CHECK WIDGET
   ============================================ */
.quick-check {
  background: var(--cream-dark);
  padding: 4.5rem 2rem 5rem;
  border-top: 1px solid rgba(26, 39, 68, 0.06);
}

.quick-check-inner {
  max-width: 640px;
  margin: 0 auto;
}

.quick-check-header {
  text-align: center;
  margin-bottom: 2rem;
}

.quick-check-title {
  margin-top: 0.5rem;
  margin-bottom: 0.5rem;
}

.quick-check-sub {
  font-size: 1rem;
  color: var(--gray-600);
}

/* Card */
.qc-card {
  background: var(--cream);
  border: 1px solid rgba(26, 39, 68, 0.1);
  border-radius: 20px;
  padding: 2.25rem 2.5rem;
  box-shadow: 0 4px 24px rgba(26, 39, 68, 0.06);
}

/* Progress */
.qc-progress {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2rem;
}

.qc-progress-track {
  flex: 1;
  height: 6px;
  background: rgba(26, 39, 68, 0.1);
  border-radius: 3px;
  overflow: hidden;
}

.qc-progress-fill {
  height: 100%;
  background: var(--amber);
  border-radius: 3px;
  transition: width 0.35s ease;
}

.qc-progress-label {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gray-400);
  white-space: nowrap;
  letter-spacing: 0.03em;
}

/* Steps */
.qc-step--hidden { display: none !important; }

.qc-question {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.35;
  margin-bottom: 1.5rem;
}

/* Option buttons — senior-friendly: min 56px height, large tap target */
.qc-options {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.qc-btn {
  display: flex;
  align-items: center;
  min-height: 56px;
  padding: 0.75rem 1.25rem;
  background: var(--cream-dark);
  border: 2px solid rgba(26, 39, 68, 0.12);
  border-radius: 12px;
  font-family: var(--font-sans);
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
  text-align: left;
  transition: border-color 0.15s, background 0.15s, transform 0.1s;
  -webkit-tap-highlight-color: transparent;
}

.qc-btn:hover {
  border-color: var(--amber);
  background: var(--amber-muted);
}

.qc-btn--selected,
.qc-btn[aria-pressed="true"] {
  border-color: var(--amber);
  background: var(--amber-muted);
  font-weight: 700;
}

/* "Not sure" tooltip */
.qc-tooltip {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  margin-top: 1rem;
  padding: 0.9rem 1.1rem;
  background: rgba(201, 136, 59, 0.08);
  border: 1px solid rgba(201, 136, 59, 0.25);
  border-radius: 10px;
}

.qc-tooltip svg { flex-shrink: 0; margin-top: 1px; }

.qc-tooltip span {
  font-family: var(--font-sans);
  font-size: 0.875rem;
  color: var(--gray-600);
  line-height: 1.55;
}

/* Result states */
.qc-result {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 0.75rem;
}

.qc-result--qualify { }
.qc-result--educational { }

.qc-result-icon { margin-bottom: 0.5rem; }

.qc-result-title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
}

.qc-result-body {
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--gray-600);
  line-height: 1.65;
  max-width: 480px;
  margin: 0;
}

/* CTA button (qualify state) */
.qc-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 56px;
  padding: 0.9rem 2rem;
  background: var(--navy);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  border-radius: 12px;
  text-decoration: none;
  letter-spacing: 0.01em;
  margin-top: 0.75rem;
  transition: background 0.2s, transform 0.15s;
}

.qc-cta-btn:hover { background: var(--navy-light); color: #fff; transform: translateY(-1px); }

.qc-result-fine {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  color: var(--gray-400);
  margin: 0;
}

/* Educational result link */
.qc-edu-link {
  display: inline-flex;
  align-items: center;
  margin-top: 0.75rem;
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--amber);
  text-decoration: none;
  transition: color 0.2s;
}

.qc-edu-link:hover { color: var(--amber-light); text-decoration: underline; }

/* Skip link */
.qc-skip {
  text-align: center;
  margin-top: 1.25rem;
  font-family: var(--font-sans);
  font-size: 0.875rem;
}

.qc-skip a {
  color: var(--gray-400);
  text-decoration: underline;
  transition: color 0.2s;
}

.qc-skip a:hover { color: var(--navy); }

/* Mobile */
@media (max-width: 600px) {
  .qc-card { padding: 1.5rem 1.25rem; }
  .qc-question { font-size: 1.1rem; }
  .quick-check { padding: 3.5rem 1.25rem 4rem; }
}

/* ============================================
   LEARN HUB — NAV & PAGE SHELL
   ============================================ */
.learn-nav {
  background: var(--navy);
  padding: 0.9rem 2rem;
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.learn-nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 2rem;
}

.learn-logo {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--cream);
  text-decoration: none;
}

.learn-nav-links {
  display: flex;
  gap: 1.5rem;
  margin-left: auto;
}

.learn-nav-links a {
  font-size: 0.9rem;
  color: rgba(251,248,243,0.65);
  text-decoration: none;
  transition: color 0.2s;
}

.learn-nav-links a:hover { color: var(--amber); }

.learn-nav-links a.active {
  color: var(--cream);
  font-weight: 500;
}

.learn-page {
  background: var(--cream);
  min-height: 100vh;
  padding: 4rem 2rem 6rem;
}

/* ============================================
   LEARN HUB — SHARED ARTICLE STYLES
   ============================================ */
.learn-article {
  max-width: 720px;
  margin: 0 auto;
}

.learn-article h1 {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 1.5rem;
}

.article-meta {
  font-size: 0.82rem;
  color: var(--gray-400);
  margin-bottom: 2.5rem;
  font-family: var(--font-sans);
  letter-spacing: 0.02em;
}

.learn-article h2 {
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
  margin-top: 2.75rem;
  margin-bottom: 1rem;
  line-height: 1.3;
}

.learn-article p {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 1.3rem;
}

.learn-article ul {
  margin-bottom: 1.5rem;
  padding-left: 1.5rem;
}

.learn-article li {
  margin-bottom: 0.65rem;
  line-height: 1.7;
  color: var(--gray-600);
  font-size: 1.0625rem;
}

.learn-article strong {
  color: var(--navy);
  font-weight: 600;
}

/* --- Link block at bottom of articles --- */
.link-block {
  background: var(--cream-dark);
  border-radius: 14px;
  padding: 1.5rem;
  margin-top: 3rem;
  border: 1px solid rgba(26,39,68,0.06);
}

.link-block h3 {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 1rem;
}

.link-block ul {
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
  margin: 0;
}

.link-block li { margin: 0; }

.link-block a {
  font-size: 0.95rem;
  color: var(--amber);
  font-weight: 500;
  text-decoration: none;
  transition: color 0.2s;
}

.link-block a:hover {
  color: var(--amber-light);
  text-decoration: underline;
}

/* --- CTA row --- */
.learn-cta-row {
  margin-top: 3rem;
  display: flex;
  justify-content: center;
}

.learn-faq-strip {
  margin-top: 1.5rem;
  text-align: center;
  font-size: 0.95rem;
  color: var(--gray-500);
}

.learn-faq-strip a {
  color: var(--navy);
  font-weight: 500;
  text-decoration: underline;
  text-decoration-color: var(--amber);
}

/* --- Article table of contents --- */
.article-toc {
  background: var(--cream-dark);
  border-radius: 12px;
  padding: 1.5rem 2rem;
  margin: 2rem 0;
  border-left: 4px solid var(--amber);
}
.article-toc h2 {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: 1rem;
}
.article-toc ol {
  list-style: none;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 2rem;
}
.article-toc li {
  font-size: 0.875rem;
  line-height: 1.5;
}
.article-toc a {
  color: var(--navy);
  text-decoration: none;
  font-weight: 500;
}
.article-toc a:hover { color: var(--amber); text-decoration: underline; }

/* --- Formula display box --- */
.formula-box {
  background: var(--navy);
  color: #fff;
  border-radius: 10px;
  padding: 1.5rem 2rem;
  margin: 2rem 0;
  text-align: center;
  font-family: var(--font-serif);
}
.formula-box p { color: #fff; font-size: 1.1rem; margin: 0; }
.formula-box strong { color: var(--amber); }

/* --- Comparison table --- */
.comparison-table-wrapper {
  overflow-x: auto;
  margin: 2rem 0 2.5rem;
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
  min-width: 560px;
}
.comparison-table th {
  background: var(--navy);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 0.875rem 1rem;
  text-align: left;
  border-bottom: 3px solid var(--amber);
}
.comparison-table th .table-sub {
  display: block;
  font-size: 0.7rem;
  font-weight: 400;
  opacity: 0.75;
  margin-top: 0.2rem;
}
.comparison-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--cream-darker);
  vertical-align: top;
  color: var(--gray-600);
  font-size: 0.875rem;
  line-height: 1.5;
}
.comparison-table tr:nth-child(even) td { background: rgba(245,239,230,0.4); }
.comparison-table td:first-child strong { color: var(--navy); }
.comparison-table tr:last-child td { border-bottom: none; }

/* ============================================
   LEARN INDEX PAGE
   ============================================ */
.learn-index-header {
  margin-bottom: 3.5rem;
}

.learn-index-header h1 {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 1rem;
}

.learn-index-sub {
  font-size: 1.1rem;
  color: var(--gray-600);
  line-height: 1.65;
  max-width: 540px;
}

/* --- Topic card grid --- */
.topic-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 3rem;
}

.topic-card {
  background: var(--cream);
  border: 1px solid rgba(26,39,68,0.08);
  border-radius: 14px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  transition: transform 0.2s, box-shadow 0.2s;
}

.topic-card--link:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(26,39,68,0.1);
}

.topic-card--link {
  border-left: 3px solid var(--amber);
}

.topic-card-number {
  font-family: var(--font-sans);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--amber);
  text-transform: uppercase;
}

.topic-card h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  color: var(--navy);
  line-height: 1.3;
  margin: 0;
}

.topic-card p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.6;
  margin: 0;
  flex: 1;
}

.topic-card-arrow {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--amber);
}

.topic-card--coming-soon {
  opacity: 0.6;
}

.topic-card--coming-soon .topic-card-arrow {
  color: var(--gray-400);
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-illustration { display: none; }
  .checklist-list { grid-template-columns: 1fr; }

  .why-grid { grid-template-columns: 1fr; }

  .steps-row {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .step-connector { display: none; }

  .eligibility-inner { grid-template-columns: 1fr; gap: 3rem; }
  .eligibility-grid { grid-template-columns: 1fr; }

  .closing-inner { grid-template-columns: 1fr; }
  .closing-aside { margin-top: 2rem; }

  .footer-inner { grid-template-columns: 1fr; gap: 2rem; }
}

@media (max-width: 600px) {
  .hero { padding: 3rem 1.5rem 4rem; }
  .why-hecm, .how-it-works, .qualifications, .closing { padding: 4rem 1.5rem; }
  .eligibility, .checklist { padding: 4rem 1.5rem; }
  .prequal-form { padding: 1.5rem; }
  .form-row { grid-template-columns: 1fr; }
  .submit-btn { width: 100%; }
  .footer-links { grid-template-columns: 1fr; }
  .hero-form-preview { padding: 1.25rem; }
  .hero-pills { gap: 0.35rem; }
  .hero-pill { font-size: 0.9rem; padding: 0.4rem 0.75rem; }
}

/* ============================================
   STATE PAGES  (/reverse-mortgage/[slug])
   ============================================ */

/* ── Hero ── */
.state-hero {
  background: var(--navy);
  padding: 4rem 2rem 5rem;
  color: var(--cream);
}

.state-hero-inner {
  max-width: 860px;
  margin: 0 auto;
}

.state-hero-meta {
  margin-bottom: 1.5rem;
}

.state-breadcrumb {
  font-size: 0.85rem;
  color: rgba(245, 239, 230, 0.65);
  margin-bottom: 0.75rem;
}

.state-breadcrumb a {
  color: rgba(245, 239, 230, 0.75);
}

.state-breadcrumb a:hover { color: var(--amber-light); }

.state-hero h1 {
  color: var(--cream);
  margin-bottom: 1.5rem;
}

.state-hero-intro {
  font-size: 1.1rem;
  color: rgba(245, 239, 230, 0.85);
  max-width: 720px;
  margin-bottom: 0.5rem;
}

.state-hero-source {
  color: rgba(245, 239, 230, 0.45);
  font-size: 0.8rem;
  margin-bottom: 2rem;
}

.state-cta-btn {
  display: inline-block;
  background: var(--amber);
  color: #fff;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 1rem;
  padding: 0.9rem 2rem;
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.2s;
}

.state-cta-btn:hover { background: var(--amber-light); color: #fff; }

/* ── FHA Limit Callout ── */
.state-callout {
  background: var(--cream-dark);
  padding: 3.5rem 2rem;
  border-bottom: 1px solid var(--cream-darker);
}

.state-callout-inner { max-width: 860px; margin: 0 auto; }

.state-callout-card {
  background: #fff;
  border: 1px solid var(--cream-darker);
  border-radius: 8px;
  padding: 2.5rem;
  text-align: center;
}

.callout-limit-amount {
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  margin: 0.75rem 0 0.25rem;
}

.callout-limit-label {
  font-size: 0.85rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--amber);
  margin-bottom: 1.25rem;
}

.callout-limit-note {
  max-width: 620px;
  margin: 0 auto 0.75rem;
  color: var(--gray-600);
  font-size: 1rem;
}

.callout-limit-source {
  color: var(--gray-400);
}

/* ── Shared section layout ── */
.state-section-inner {
  max-width: 860px;
  margin: 0 auto;
}

.state-protections,
.state-counselor,
.state-eligibility,
.state-deets,
.state-faq,
.state-links {
  padding: 4.5rem 2rem;
}

.state-protections { background: var(--cream); border-bottom: 1px solid var(--cream-darker); }
.state-counselor { background: var(--cream-dark); border-bottom: 1px solid var(--cream-darker); }
.state-eligibility { background: var(--cream); border-bottom: 1px solid var(--cream-darker); }
.state-deets { background: var(--cream); border-bottom: 1px solid var(--cream-darker); }
.state-faq { background: var(--cream-dark); border-bottom: 1px solid var(--cream-darker); }
.state-links { background: var(--cream); }

.state-cta-band {
  background: var(--cream-dark);
  padding: 4.5rem 2rem;
  text-align: center;
}

.state-cta-band h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.state-cta-band p {
  font-size: 1.05rem;
  color: var(--gray-600);
  margin-bottom: 1.75rem;
}

/* ── Consumer Protections ── */
.protections-body {
  margin-top: 1.5rem;
  max-width: 720px;
}

.protections-body p + p { margin-top: 0.75rem; }

.protections-source {
  color: var(--gray-400);
  font-size: 0.8rem;
}

/* ── HUD Counselor ── */
.counselor-card {
  background: var(--navy);
  border-radius: 8px;
  padding: 3rem;
  color: var(--cream);
}

.counselor-card h2 { color: var(--cream); margin-bottom: 1rem; }

.counselor-card p {
  color: rgba(245, 239, 230, 0.82);
  max-width: 680px;
  margin-bottom: 2rem;
}

.counselor-link-btn {
  display: inline-block;
  background: var(--amber);
  color: #fff;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 1rem;
  padding: 0.85rem 1.75rem;
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.2s;
  margin-bottom: 1rem;
}

.counselor-link-btn:hover { background: var(--amber-light); color: #fff; }

.counselor-note {
  color: rgba(245, 239, 230, 0.45);
  font-size: 0.8rem;
  margin-bottom: 0;
}

/* ── State eligibility checklist ── */
.state-checklist {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-top: 2.5rem;
}

/* ── State prequal section ── */
.state-prequal {
  background: var(--cream-dark);
  border-bottom: 1px solid var(--cream-darker);
}

/* ── FAQ ── */
.faq-list { margin-top: 2.5rem; }

.faq-item {
  border: 1px solid var(--cream-darker);
  border-radius: 6px;
  background: #fff;
  margin-bottom: 0.75rem;
  overflow: hidden;
}

.faq-question {
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 1rem;
  color: var(--navy);
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  user-select: none;
}

.faq-question::-webkit-details-marker { display: none; }

.faq-question::after {
  content: '+';
  font-size: 1.25rem;
  color: var(--amber);
  flex-shrink: 0;
  margin-left: 1rem;
  transition: transform 0.2s;
}

details[open] .faq-question::after {
  content: '−';
}

.faq-answer {
  padding: 0 1.5rem 1.25rem;
  color: var(--gray-600);
}

.faq-answer p { font-size: 0.97rem; }

/* ── Internal links ── */
.state-links-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}

.state-link-card {
  background: #fff;
  border: 1px solid var(--cream-darker);
  border-radius: 8px;
  padding: 1.75rem;
}

.state-link-card h3 {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.state-link-card p {
  font-size: 0.9rem;
  color: var(--gray-600);
  margin-bottom: 1rem;
}

.state-link-card a {
  display: block;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--amber);
  margin-bottom: 0.4rem;
}

.state-link-card a:hover { color: var(--navy); }

/* ── State page responsive ── */
@media (max-width: 900px) {
  .state-checklist { grid-template-columns: 1fr; }
  .state-links-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 600px) {
  .state-hero { padding: 3rem 1.5rem 4rem; }
  .state-protections,
  .state-counselor,
  .state-eligibility,
  .state-deets,
  .state-faq,
  .state-links { padding: 3rem 1.5rem; }
  .state-cta-band { padding: 3rem 1.5rem; }
  .counselor-card { padding: 2rem 1.5rem; }
  .callout-limit-amount { font-size: 2.25rem; }
  .state-links-grid { grid-template-columns: 1fr; }
  .state-callout-card { padding: 1.75rem 1.25rem; }
}

/* ── Guide Capture Section ── */
.guide-capture {
  background: #1A2744;
  padding: 4rem 2rem;
}
.guide-capture-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.guide-capture .eyebrow {
  color: #C9883B;
}
.guide-capture-title {
  font-family: 'Lora', Georgia, serif;
  font-size: 2rem;
  font-weight: 700;
  color: #FBF8F3;
  line-height: 1.25;
  margin: 0 0 1rem;
}
.guide-capture-sub {
  font-size: 1.05rem;
  color: #CBD5E1;
  line-height: 1.65;
  margin: 0 0 1.5rem;
}
.guide-toc-preview {
  list-style: none;
  padding: 0;
  margin: 0;
}
.guide-toc-preview li {
  font-size: 0.95rem;
  color: #94A3B8;
  padding: 0.35rem 0 0.35rem 1.5rem;
  position: relative;
  line-height: 1.5;
}
.guide-toc-preview li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: #C9883B;
  font-size: 0.9rem;
}
.guide-form-card {
  background: #ffffff;
  border-radius: 10px;
  padding: 2rem 2rem 1.75rem;
}
.guide-form-label {
  display: block;
  font-family: 'DM Sans', Arial, sans-serif;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #4A4A4A;
  margin-bottom: 0.5rem;
}
.guide-form-input {
  width: 100%;
  padding: 0.85rem 1rem;
  font-size: 1rem;
  border: 1.5px solid #D1D5DB;
  border-radius: 6px;
  color: #1A2744;
  background: #FAFAFA;
  outline: none;
  box-sizing: border-box;
  transition: border-color 0.15s;
  font-family: 'DM Sans', Arial, sans-serif;
}
.guide-form-input:focus {
  border-color: #C9883B;
  background: #fff;
}
.guide-form-btn {
  width: 100%;
  margin-top: 0.9rem;
  padding: 0.9rem 1.5rem;
  background: #C9883B;
  color: #fff;
  border: none;
  border-radius: 6px;
  font-family: 'DM Sans', Arial, sans-serif;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s;
}
.guide-form-btn:hover:not(:disabled) {
  background: #b5752e;
}
.guide-form-btn:disabled {
  opacity: 0.65;
  cursor: not-allowed;
}
.guide-form-consent {
  font-size: 0.78rem;
  color: #6B7280;
  line-height: 1.55;
  margin: 0.9rem 0 0;
}
.guide-form-error {
  font-size: 0.85rem;
  color: #B91C1C;
  margin: 0.6rem 0 0;
  font-family: 'DM Sans', Arial, sans-serif;
}
.guide-form-success {
  text-align: center;
  padding: 2.5rem 2rem;
}
.guide-success-icon {
  margin-bottom: 1rem;
}
.guide-success-title {
  font-family: 'Lora', Georgia, serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: #1A2744;
  margin: 0 0 0.75rem;
}
.guide-success-body {
  font-size: 1rem;
  color: #4A4A4A;
  line-height: 1.6;
  margin: 0;
}
.guide-success-link {
  color: #C9883B;
  font-weight: 600;
}

/* ── Guide page hero ── */
.guide-page-hero {
  background: linear-gradient(135deg, #1A2744 60%, #243460 100%);
  padding: 5rem 2rem 4rem;
}
.guide-page-hero-inner {
  max-width: 760px;
  margin: 0 auto;
}
.guide-page-hero-title {
  font-family: 'Lora', Georgia, serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: #FBF8F3;
  line-height: 1.2;
  margin: 0 0 1.25rem;
}
.guide-page-hero-sub {
  font-size: 1.1rem;
  color: #CBD5E1;
  line-height: 1.65;
  margin: 0;
  max-width: 640px;
}

/* ── Guide preview section ── */
.guide-preview-section {
  background: #FBF8F3;
  padding: 4.5rem 2rem;
}
.guide-preview-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.guide-preview-title {
  font-family: 'Lora', Georgia, serif;
  font-size: 1.75rem;
  font-weight: 700;
  color: #1A2744;
  text-align: center;
  margin: 0 0 2.5rem;
}
.guide-preview-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.guide-preview-card {
  background: #ffffff;
  border: 1px solid #E8D5C4;
  border-radius: 8px;
  padding: 1.75rem;
}
.guide-preview-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: #1A2744;
  color: #FBF8F3;
  border-radius: 50%;
  font-family: 'DM Sans', Arial, sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 0.9rem;
}
.guide-preview-card h3 {
  font-family: 'Lora', Georgia, serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: #1A2744;
  margin: 0 0 0.6rem;
}
.guide-preview-card p {
  font-size: 0.9rem;
  color: #4A4A4A;
  line-height: 1.6;
  margin: 0;
}

/* ── Responsive: guide sections ── */
@media (max-width: 900px) {
  .guide-capture-inner { grid-template-columns: 1fr; gap: 2rem; }
  .guide-preview-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .guide-capture { padding: 3rem 1.5rem; }
  .guide-capture-title { font-size: 1.65rem; }
  .guide-page-hero { padding: 3.5rem 1.5rem 3rem; }
  .guide-page-hero-title { font-size: 1.85rem; }
  .guide-preview-section { padding: 3rem 1.5rem; }
  .guide-preview-grid { grid-template-columns: 1fr; }
}

/* ── Mini Calculator (state pages) ── */
.state-mini-calc {
  background: var(--cream-dark);
  padding: 4.5rem 2rem;
  border-bottom: 1px solid var(--cream-darker);
}

.mini-calc-card {
  background: var(--cream);
  border: 1px solid rgba(26, 39, 68, 0.08);
  border-radius: 20px;
  padding: 2.25rem;
  box-shadow: 0 4px 24px rgba(26, 39, 68, 0.05);
}

.mini-calc-header {
  text-align: center;
  margin-bottom: 2rem;
}

.mini-calc-title {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin-top: 0.5rem;
  margin-bottom: 0.5rem;
}

.mini-calc-sub {
  font-size: 0.95rem;
  color: var(--gray-600);
}

.mini-calc-sub a { color: var(--amber); }

.mini-calc-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.mini-calc-inputs {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.mini-calc-field { display: flex; flex-direction: column; gap: 0.5rem; }

.mini-calc-label {
  font-family: var(--font-sans);
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--navy);
}
.mini-calc-label strong { color: var(--amber); font-size: 1.05rem; }

.mini-calc-slider {
  width: 100%;
  height: 6px;
  accent-color: var(--amber);
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(to right, var(--amber) 0%, var(--cream-darker) 0%);
  border-radius: 3px;
  outline: none;
  border: none;
}
.mini-calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--amber);
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 1px 5px rgba(201, 136, 59, 0.35);
}
.mini-calc-slider::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--amber);
  cursor: pointer;
  border: 3px solid #fff;
}
.mini-calc-slider-ends {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--gray-400);
}

.mini-calc-select-wrap { max-width: 240px; }
.mini-calc-select {
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--charcoal);
  background: #fff;
  border: 1.5px solid rgba(26, 39, 68, 0.2);
  border-radius: 10px;
  padding: 0.75rem 2.5rem 0.75rem 1rem;
  width: 100%;
  outline: none;
  cursor: default;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 24 24' fill='none' xmlns='http://www.w3.org/2000/svg%3E%3Cpath d='M6 9l6 6 6-6' stroke='%23888' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  background-size: 18px;
}

.mini-calc-dollar-wrap {
  display: flex;
  align-items: stretch;
  background: #fff;
  border: 1.5px solid rgba(26, 39, 68, 0.2);
  border-radius: 10px;
  overflow: hidden;
  max-width: 240px;
  transition: border-color 0.2s;
}
.mini-calc-dollar-wrap:focus-within { border-color: var(--amber); }
.mini-calc-dollar {
  padding: 0 0.7rem;
  background: var(--cream-dark);
  border-right: 1.5px solid rgba(26, 39, 68, 0.1);
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 500;
  color: var(--gray-400);
  display: flex;
  align-items: center;
}
.mini-calc-dollar-input {
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--charcoal);
  border: none;
  outline: none;
  padding: 0.6rem 0.9rem;
  width: 100%;
  background: transparent;
}
.mini-calc-dollar-input::-webkit-inner-spin-button { display: none; }

/* Result panel */
.mini-calc-result {
  background: var(--navy);
  border-radius: 16px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.mc-result-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  padding: 0.65rem 0;
  border-bottom: 1px solid rgba(251, 248, 243, 0.1);
}
.mc-result-row:last-of-type { border-bottom: none; }
.mc-result-row--total {
  background: rgba(201, 136, 59, 0.15);
  border-radius: 10px;
  padding: 0.85rem 1rem;
  margin-top: 0.25rem;
  border-bottom: none;
}
.mc-result-label {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: rgba(251, 248, 243, 0.7);
}
.mc-result-val {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--cream);
  white-space: nowrap;
}
.mc-result-val--red { color: #ff8a80; }
.mc-result-val--highlight { color: var(--amber); font-size: 1.4rem; }

.mc-disclaimer {
  font-size: 0.75rem;
  color: rgba(251, 248, 243, 0.5);
  line-height: 1.55;
  margin: 0.25rem 0 0;
}

.mc-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--amber);
  color: #fff;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.85rem 1.5rem;
  border-radius: 10px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  text-align: center;
  margin-top: 0.5rem;
}
.mc-cta-btn:hover { background: var(--amber-light); transform: translateY(-1px); color: #fff; }

.mini-calc-source {
  text-align: center;
  font-size: 0.75rem;
  color: var(--gray-400);
  margin-top: 1.25rem;
}
.mini-calc-source a { color: var(--amber); }

@media (max-width: 700px) {
  .mini-calc-body { grid-template-columns: 1fr; }
  .state-mini-calc { padding: 3rem 1.5rem; }
}

/* Calculator styles live in calculator.css (loaded alongside theme.css) */
/* ============================================
   END OF THEME.CSS
   ============================================ */