/* #region Core variables & resets
   =========================== */

:root {
  /* Palette 60/30/10 */
  --color-soft-ice: #edf6f9;     /* 60% - main background */
  --color-seafoam:   #83c5be;    /* 30% - sections & cards */
  --color-deep-teal: #006d77;    /* 10% - accents / CTAs */

  --color-bg: var(--color-soft-ice);
  --color-surface: #ffffff;
  --color-text: #102a43;
  --color-text-muted: #5a5f5c;
  --color-border: #c7d6dd;

  --radius-lg: 20px;
  --radius-md: 12px;

  --shadow-soft: 0 8px 22px rgba(15, 23, 42, 0.08);
  --transition-fast: 0.18s ease-out;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  overflow-y: scroll;
}

html,
body {
  width: 100%;
  overflow-x: hidden;
}

body {
  margin: 0;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: linear-gradient(
    180deg,
    var(--color-soft-ice) 0%,
    #ffffff 45%,
    #ffffff 100%
  );
  color: var(--color-text);
  line-height: 1.5;
}

/* Layout utility */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Make images responsive by default */
img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* Stop iOS from zooming when focusing form fields */
@media (max-width: 768px) {
  input,
  select,
  textarea {
    font-size: 16px;
  }
}

/* #endregion */


/* #region Header & navigation
   =========================== */

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  color: inherit;
  padding: 0.25rem 0;
}

.brand-logo {
  height: 40px;
  width: auto;
}

.brand-text {
  font-weight: 700;
  font-size: 1.25rem;
  letter-spacing: 0.02em;
}

/* Header shell */

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  backdrop-filter: blur(6px);
  background: rgba(0, 109, 119, 0.35);
  border-bottom: 1px solid rgba(0, 109, 119, 0.35);
  transition:
    background 0.3s ease,
    border-bottom-color 0.3s ease,
    box-shadow 0.3s ease;
}

.site-header.scrolled {
  background: rgba(0, 109, 119, 0.96);
  border-bottom-color: rgba(0, 109, 119, 0.8);
  box-shadow: 0 2px 12px rgba(0,0,0,0.15);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.6rem 1rem;
  position: relative;
}

.logo {
  font-weight: 700;
  font-size: 1.1rem;
  letter-spacing: 0.06em;
  color: #fdfefe;
}

.logo img {
  height: 48px;
  width: auto;
}

/* Desktop nav */

.nav {
  display: flex;
  gap: 1rem;
}

.nav-link {
  position: relative;
  font-size: 0.95rem;
  text-decoration: none;
  color: #e0f2f4;
  padding: 0.5rem 1rem;
  border-radius: 999px;
  transition:
    background-color var(--transition-fast),
    color var(--transition-fast),
    transform var(--transition-fast);
}

.nav-link:hover {
  background: rgba(255,255,255,0.25);
  color: #003f48;
  transform: translateY(-1px);
}

/* Active page “pill” */
.nav-link.active {
  background: rgba(255,255,255,0.35);
  color: #003f48;
  font-weight: 600;
}

/* Hamburger toggle (hidden on desktop) */

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.25rem;
  border-radius: 999px;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  border-radius: 999px;
  background: #e0f2f4;
  transition: transform 0.2s ease, opacity 0.2s ease;
}

/* Tools submenu */

.nav-item.has-submenu {
  position: relative;
}

.nav-submenu {
  display: none;
  white-space: nowrap;
  border-radius: 999px;
}

.nav-sub-link {
  display: block;
  padding: 0.35rem 0.9rem;
  border-radius: 8px;
  font-size: 0.85rem;
  color: #e0f2f4;
  text-decoration: none;
  text-align: left;  
}

/* Desktop submenu */
@media (min-width: 769px) {
  .nav-item.has-submenu {
    display: inline-flex;
    align-items: center;
  }

  .nav-item.has-submenu:hover .nav-submenu {
    display: inline-flex;
  }

  .nav-submenu {
    position: absolute;
    top: 100%;
    left: 0;
    transform: none;
    padding: 0.45rem 1.75rem;
    background: #006d77;
    box-shadow: 0 14px 28px rgba(15, 23, 42, 0.22);
    width: auto;
    gap: 1.5rem;
    z-index: 60;
    border-radius: 16px;
    justify-content: flex-start;
    max-width: min(1100px, 95vw);
  }

  .nav-sub-link:hover {
    background: rgba(255, 255, 255, 0.16);
    color: #ffffff;
  }

  .nav-sub-link:hover {
    background: rgba(255,255,255,0.08);
    transform: translateX(2px);       /* tiny nudge feels premium */
  }

    .nav-submenu {
    padding: 0.75rem 1.25rem;
    flex-direction: column;
    align-items: stretch;
    row-gap: 0.35rem;              /* even, tidy spacing */
  }

  .nav-sub-link {
    display: block;
    padding: 0.4rem 0.6rem;
    border-radius: 10px;
    font-size: 0.86rem;
    font-weight:  500;
  }
  .nav-sub-link:last-child {
    margin-top: 0.6rem;
    border-top: 1px solid rgba(255,255,255,0.18);
    padding-top: 0.7rem;
    border-radius: 0;              /* no pill on the footer link */
  }

  .nav-subtitle {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  opacity: 0.6;
  margin-bottom: 0.5rem;
}
}

/* Mobile nav + submenu */
@media (max-width: 768px) {
  .site-header {
    padding: 0 1rem;
  }

  .header-inner {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.6rem 0;
  }

  /* --- CLEAN, SINGLE DEFINITION --- */
  .nav-toggle {
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;

    width: 40px;
    height: 40px;
    border-radius: 50%;

    border: 2px solid rgba(224, 242, 244, 0.9);
    background: none !important;
    background-image: none !important;
    border-image: none !important;
    box-shadow: none !important;

    cursor: pointer;
    padding: 0;
    gap: 5px;
    position: relative;
    transition: transform 0.25s ease;
  }

  .nav-toggle::before,
  .nav-toggle::after {
    content: none !important;
  }

  .nav-toggle span {
    width: 20px;
    height: 2px;
    background: #e0f2f4;
    border-radius: 2px;
    transition: transform 0.25s ease, opacity 0.25s ease;
  }

  /* HOVER */
  .nav-toggle:hover {
    transform: scale(1.05);
  }

  /* --- HAMBURGER → X ANIMATION (when header has .nav-open) --- */
  .site-header.nav-open .nav-toggle span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .site-header.nav-open .nav-toggle span:nth-child(2) {
    opacity: 0;
  }

  .site-header.nav-open .nav-toggle span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  /* --- MOBILE NAV PANEL --- */
  .nav {
    position: absolute;
    inset: 100% 0 auto;
    background: rgba(0, 109, 119, 0.97);
    display: flex;
    flex-direction: column;
    gap: 1rem;
    padding: 1.2rem;
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    pointer-events: none;
    transition:
      max-height 0.35s ease,
      opacity 0.35s ease,
      transform 0.35s ease;
    transform: translateY(-6px);
    z-index: 20;
  }

  .site-header.nav-open .nav {
    max-height: 80vh;
    overflow-y: auto;
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav-item {
    width: 100%;
    flex-direction: column;
    align-items: flex-start;
    position: relative;
  }

  .nav-item.has-submenu.open .nav-submenu {
    display: block;
  }

  .nav-submenu {
    position: static;
    width: 100%;
    background: rgba(0, 109, 119, 0.25);
    padding: 0.4rem 0.85rem 0.6rem;
    border-radius: 0 0 18px 18px;
    box-shadow: 0 10px 24px rgba(15, 23, 42, 0.25);
  }

  .nav-sub-link {
    display: block;
    width: 100%;
    padding: 0.5rem 1rem;
    border-radius: 10px;
    text-align: left;
  }

  .nav-sub-link + .nav-sub-link {
    margin-top: 0.15rem;
  }

  .nav-sub-link:hover {
    background: rgba(255, 255, 255, 0.18);
  }
}

/* Main offset so fixed header doesn’t overlap content */
main {
  padding-top: 4rem;
}

/* #endregion */


/* #region Hero
   =========================== */

.hero {
  padding: 3.5rem 0 4rem;
  background: linear-gradient(
    135deg,
    var(--color-soft-ice),
    rgba(131, 197, 190, 0.35)
  );
}

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
  align-items: center;
  gap: 2.5rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.25rem 0.7rem;
  border-radius: 999px;
  background-color: rgba(131, 197, 190, 0.16);
  border: 1px solid rgba(0, 109, 119, 0.12);
  color: var(--color-deep-teal);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}

.hero-text h1 {
  font-size: 2.4rem;
  line-height: 1.1;
  margin-bottom: 1rem;
}

.hero-tagline {
  margin-top: 0.75rem;
  font-size: 1rem;
  color: var(--color-text-muted);
  max-width: 36rem;
}

.hero-actions {
  margin-top: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.hero-photo img {
  width: 100%;
  max-width: 480px;
  border-radius: 1rem;
  box-shadow: 0 8px 22px rgba(0,0,0,0.08);
}

.hero-visual {
  position: relative;
}

.hero-visual::before {
  content: "";
  position: absolute;
  inset: -10%;
  background: radial-gradient(
    circle at top,
    rgba(131, 197, 190, 0.5),
    transparent 60%
  );
  z-index: -1;
}

.hero-meta {
  margin-top: 1.25rem;
  padding-left: 1.25rem;
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.6;
}

.hero-meta li::marker {
  content: "• ";
}

/* Mini stat pills */

.hero-mini-grid {
  margin-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.stat-pill {
  padding: 0.4rem 0.9rem;
  border-radius: 999px;
  background-color: rgba(255, 255, 255, 0.9);
  border: 1px solid var(--color-border);
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.06);
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}

.stat-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
}

.stat-value {
  font-size: 0.85rem;
}

/* Mobile hero tightening */
@media (max-width: 640px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }

  .hero {
    padding-top: 2rem;
    padding-bottom: 3rem;
  }

  .hero-text {
    text-align: center;
  }

  .hero-actions {
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
  }

  .hero-tagline {
    margin-bottom: 1.5rem;
  }

  .hero-meta {
    margin-top: 0.75rem;
    font-size: 0.9rem;
    text-align: left;
  }

  .hero-photo img {
    max-height: 220px;
    object-fit: cover;
    margin: 0 auto;
  }
}

/* #endregion */


/* #region Buttons
   =========================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.7rem 1.4rem;
  font-size: 0.95rem;
  border-radius: 999px;
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition:
    transform var(--transition-fast),
    box-shadow var(--transition-fast),
    background-color var(--transition-fast),
    color var(--transition-fast),
    border-color var(--transition-fast);
}

.btn-primary {
  background: linear-gradient(
    135deg,
    var(--color-deep-teal),
    var(--color-seafoam)
  );
  color: #fdfefe;
  border-color: var(--color-deep-teal);
  box-shadow: var(--shadow-soft);
}

.btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 26px rgba(15, 23, 42, 0.15);
}

.btn-secondary {
  background-color: transparent;
  color: var(--color-deep-teal);
  border-color: rgba(0, 109, 119, 0.4);
}

.btn-secondary:hover {
  background-color: rgba(237, 246, 249, 0.9);
  color: #063440;
}

/* #endregion */


/* #region Generic sections, grids & cards
   =========================== */

.section {
  padding: 2.0rem 0;
}

.section-header {
  margin-bottom: 1.75rem;
}

.section-header h2 {
  font-size: 1.5rem;
  margin: 0 0 0.35rem;
}

.section-header p {
  margin: 0;
  color: var(--color-text-muted);
  font-size: 0.95rem;
}

.section-kicker {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-deep-teal);
  margin: 0 0 0.25rem;
}

/* Grids & cards */

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.35rem;
}

.card {
  background-color: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.4rem;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-soft);
  transition:
    transform var(--transition-fast),
    box-shadow var(--transition-fast),
    border-color var(--transition-fast),
    background-color var(--transition-fast);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.12);
  border-color: rgba(0, 109, 119, 0.45);
}

.card-title {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
  text-align: center;
}

.card-body {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  text-align: left;
}

.card .card-body:last-child {
  margin-top: auto;
}

/* Tool icons on cards */

.card-icon {
  width: 52px;
  height: 52px;
  background: #edf6f9;
  border-radius: 12px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.06);
  object-fit: contain;
  margin-bottom: 1rem;
  max-width: 100;
}

/* Pill-style CTA link */

.pill-link {
  display: inline-flex;
  align-items: center;
  margin-top: 1rem;
  padding: 0.45rem 0.9rem;
  border-radius: 999px;
  border: 1px solid rgba(0, 109, 119, 0.4);
  font-size: 0.85rem;
  text-decoration: none;
  color: var(--color-deep-teal);
  transition:
    background-color var(--transition-fast),
    border-color var(--transition-fast),
    transform var(--transition-fast);
}

.pill-link:hover {
  background-color: rgba(131, 197, 190, 0.18);
  border-color: var(--color-seafoam);
  transform: translateY(-1px);
}

/* Tools grid: ensure buttons sit at bottom */
.tools-grid .card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
}

.tools-grid .card-body {
  flex-grow: 1;
}

.tools-grid .btn,
.tools-grid .pill-link {
  margin-top: auto;
  align-self: center;
}

/* #endregion */


/* #region Home page sections (How, Audience, Tools highlight)
   =========================== */

.section-how {
  background: #ffffff;
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}

/* Stack How It Works steps on mobile */
@media (max-width: 768px) {
  .how-grid {
    grid-template-columns: 1fr;   /* one card per row */
  }
}

.how-step {
  background-color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 1.3rem 1.4rem;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-soft);
  display: flex;
  flex-direction: column;
}

.how-step-number {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.9rem;
  background-color: var(--color-seafoam);
  color: #063440;
  margin-bottom: 0.6rem;
}

.section-audience {
  background-color: rgba(131, 197, 190, 0.12);
}

.section-tools-highlight {
  border-top: 1px solid rgba(0, 109, 119, 0.2);
}

/* Make tool cards equal height + aligned buttons */
.section-tools-highlight .card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.section-tools-highlight .card {
  display: flex;
  flex-direction: column;
  justify-content: space-between; /* pushes button to bottom */
  height: 100%;
}

.section-tools-highlight .card-body {
  flex-grow: 1; /* fills remaining space to keep button aligned */
  margin-bottom: 1.25rem;
}

.section-tools-highlight .pill-link {
  align-self: flex-start;
  margin-top: auto; /* forces consistent bottom alignment */
}

/* Make tool cards equal height + aligned buttons */
.section-tools-highlight .card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.section-tools-highlight .card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
  text-align: center; /* center title + description */
}

.section-tools-highlight .card-body {
  flex-grow: 1;
  margin-bottom: 1.25rem;
}

/* Center the Open tool link */
.section-tools-highlight .pill-link {
  align-self: center;     /* ★ NOW CENTERED ★ */
  margin-top: auto;
}

/* Reduce top spacing after the illustration */
.section-tools-highlight .card img {
  margin-bottom: 0.75rem;
}

/* Pull title closer to the icon */
.section-tools-highlight .card-title {
  margin-top: 0.25rem;
  margin-bottom: 0.5rem;
}

/* Reduce space below the paragraph */
.section-tools-highlight .card-body {
  margin-bottom: 0.75rem;
}

/* #endregion */


/* #region Tools page
   =========================== */

.section-tools-page {
  padding: 3.5rem 0 4rem;
  background: linear-gradient(
    to bottom,
    rgba(237, 246, 249, 0.95),
    #ffffff
  );
}

.tools-grid {
  margin-top: 1.5rem;
  gap: 1.5rem;
}

/* #endregion */


/* #region Forms (generic)
   =========================== */

.form-field {
  margin-bottom: 0.85rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.form-field label {
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.form-field input {
  padding: 0.55rem 0.6rem;
  border-radius: 8px;
  border: 1px solid var(--color-border);
  font-size: 0.95rem;
  outline: none;
  transition:
    border-color var(--transition-fast),
    box-shadow var(--transition-fast);
}

.form-field input:focus {
  border-color: var(--color-seafoam);
  box-shadow: 0 0 0 2px rgba(131, 197, 190, 0.5);
}

/* #endregion */


/* #region Snapshot / dashboard
   =========================== */

.section-snapshot-hero {
  padding: 3.5rem 0 3rem;
  background: linear-gradient(
    to bottom,
    rgba(237, 246, 249, 0.95),
    #ffffff
  );
}

.section-snapshot-details {
  padding: 2.5rem 0 2.75rem;
  background-color: rgba(131, 197, 190, 0.09);
}

.section-snapshot-charts {
  padding: 3rem 0 3.5rem;
  background-color: #ffffff;
}

.snapshot-note {
  margin-top: 0.75rem;
  font-size: 0.95rem;
  color: var(--color-text-muted);
}

.snapshot-big-number {
  font-size: 1.6rem;
  font-weight: 700;
  display: inline-block;
  margin-top: 0.15rem;
}

.dashboard-top-grid .card-body {
  font-size: 1rem;
  line-height: 1.45;
  color: var(--color-text);
}

.dashboard-top-grid p {
  margin-bottom: 0.5rem;
}

.dashboard-chart-grid {
  margin-top: 1.5rem;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}

.dashboard-chart-grid .card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}

.dashboard-chart-grid canvas {
  margin-top: 0.85rem;
  width: 100%;
  max-height: 320px;
  margin: 0 auto;
}

/* #endregion */


/* #region Learn & article pages
   =========================== */

.section-learn-main {
  padding: 3.5rem 0 3rem;
  background: linear-gradient(
    to bottom,
    rgba(237, 246, 249, 0.95),
    #ffffff
  );
}

.section-learn-how {
  padding: 2.75rem 0 3rem;
  background-color: rgba(131, 197, 190, 0.09);
}

.learn-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
}

.learn-card-content {
  flex-grow: 1;
}

.learn-card .btn {
  margin-top: 1rem;
  align-self: center;
}

/* Learn page topic nav + sections */

.learn-topic-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 1.75rem 0 2.25rem;
}

.learn-topic-nav a {
  font-size: 0.9rem;
  padding: 0.45rem 0.9rem;
  border-radius: 999px;
  border: 1px solid rgba(0, 109, 119, 0.18);
  text-decoration: none;
  color: var(--color-text);
  background: #ffffff;
}

.learn-topic-nav a:hover {
  border-color: rgba(0, 109, 119, 0.45);
}

.learn-topics {
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

.learn-topic-block {
  scroll-margin-top: 96px; /* so anchor links sit nicely below header */
}

.learn-topic-header {
  max-width: 48rem;
  margin-bottom: 1.4rem;
}

.learn-topic-kicker {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-bottom: 0.25rem;
}

.learn-topic-header h3 {
  font-size: 1.4rem;
  margin-bottom: 0.35rem;
}

/* Smaller titles inside cards in learn sections (so hierarchy feels right) */
.learn-card .card-title {
  font-size: 1.05rem;
}

/* Mobile tweaks */
@media (max-width: 768px) {
  .learn-topic-nav {
    margin-bottom: 1.75rem;
  }

  .learn-topic-header h3 {
    font-size: 1.2rem;
  }
}

/* Shared article layout */

.article-hero {
  max-width: 760px;
  margin: 0 auto 2rem;
}

.article-hero h1 {
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.article-hero p {
  font-size: 0.98rem;
  color: var(--color-text-muted);
}

.article-body {
  max-width: 780px;
  margin: 0 auto;
  font-size: 0.97rem;
  color: var(--color-text);
  line-height: 1.7;
}

.article-body h2 {
  font-size: 1.3rem;
  margin-top: 2rem;
  margin-bottom: 0.4rem;
}

.article-body p {
  margin: 0.4rem 0 0.6rem;
}

.article-body ul {
  padding-left: 1.2rem;
  margin: 0.2rem 0 0.8rem;
}

.article-body li {
  margin: 0.2rem 0;
}

/* =========================
   Article layout (Learn pages)
   ========================= */

.article-section {
  background: linear-gradient(
    to bottom,
    #edf6f9 0%,
    #ffffff 40%
  );
  padding: 3rem 0 4rem;
}

.article-header {
  max-width: 720px;
  margin: 0 auto 2rem;
}

.article-header .section-kicker {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-bottom: 0.4rem;
}

.article-header h1 {
  font-size: 2rem;
  line-height: 1.3;
  margin-bottom: 0.6rem;
}

.article-intro {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--color-text-muted);
}

/* Main article body */

.article-content {
  max-width: 720px;
  margin: 0 auto;
  font-size: 1rem;
  line-height: 1.7;
  color: var(--color-text);
}

.article-content h2 {
  font-size: 1.25rem;
  margin-top: 2.2rem;
  margin-bottom: 0.6rem;
}

.article-content h3 {
  font-size: 1.05rem;
  margin-top: 1.4rem;
  margin-bottom: 0.4rem;
}

.article-content p {
  margin-bottom: 0.9rem;
}

.article-content ul,
.article-content ol {
  margin: 0 0 1rem 1.3rem;
}

.article-content li + li {
  margin-top: 0.2rem;
}

/* Little highlight box for tips / notes */

.article-content .tip-box {
  margin: 1.4rem 0;
  padding: 0.9rem 1rem;
  border-radius: 12px;
  background: rgba(0, 109, 119, 0.04);
  border: 1px solid rgba(0, 109, 119, 0.15);
  font-size: 0.95rem;
}

/* Mobile tweaks */

@media (max-width: 768px) {
  .article-section {
    padding: 2.25rem 0 3rem;
  }

  .article-header h1 {
    font-size: 1.6rem;
  }

  .article-content {
    font-size: 0.98rem;
  }

  .article-content h2 {
    font-size: 1.15rem;
  }
}

/* #endregion */


/* #region About page
   =========================== */

.section-about-hero {
  padding: 3.5rem 0 3rem;
  background: linear-gradient(
    to bottom,
    rgba(237, 246, 249, 0.95),
    #ffffff
  );
}

.about-intro-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr);
  gap: 1.75rem;
  margin-top: 1.5rem;
  align-items: flex-start;
}

.about-intro-text p + p {
  margin-top: 0.75rem;
}

.about-quick-facts {
  padding: 1rem 1.4rem;
}

.about-facts-list {
  list-style: none;
  padding: 0;
  margin: 0.75rem 0 0;
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

.about-facts-list li + li {
  margin-top: 0.4rem;
}

.about-fact-label {
  font-weight: 600;
  color: var(--color-text);
}

.section-about-body {
  padding: 0.75rem 0 3.25rem;
}

/* Responsive for about grid */
@media (max-width: 900px) {
  .about-intro-grid {
    grid-template-columns: 1fr;
  }
}

/* #endregion */


/* #region Footer
   =========================== */

.site-footer {
  border-top: 1px solid rgba(0, 109, 119, 0.3);
  padding: 1.5rem 0;
  font-size: 0.85rem;
  color: var(--color-text-muted);
  background: rgba(0, 109, 119, 0.05);
}

.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 0.75rem;
}

.site-footer .nav-link {
  color: #006d77 !important;
  padding: 0;
  background: none !important;
}

.site-footer .nav-link:hover {
  text-decoration: underline;
  background: none !important;
  color: #004d55 !important;
}

/* #endregion */


/* #region Animations & reveal
   =========================== */

.hero-text,
.hero-photo img {
  animation: fadeIn 0.8s ease forwards;
  opacity: 0;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition:
    opacity 0.6s var(--transition-fast),
    transform 0.6s var(--transition-fast);
  will-change: opacity, transform;
}

.reveal-from-right {
  transform: translateX(24px);
}

.reveal-from-left {
  transform: translateX(-24px);
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

/* Optional stagger */
.card-grid .reveal:nth-child(1) { transition-delay: 0.05s; }
.card-grid .reveal:nth-child(2) { transition-delay: 0.12s; }
.card-grid .reveal:nth-child(3) { transition-delay: 0.19s; }
.card-grid .reveal:nth-child(4) { transition-delay: 0.26s; }

/* #endregion */


/* #region Budget planner
   =========================== */

.budget-layout {
  margin-top: 1.5rem;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr);
  gap: 1.75rem;
  align-items: flex-start;
}

.budget-column {
  background-color: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.4rem;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-soft);
}

.budget-column .card-title {
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
  text-align: left;
}

.budget-form h4 {
  margin: 1.1rem 0 0.35rem;
  font-size: 0.95rem;
}

.budget-group {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0.75rem 1rem;
}

.budget-group label {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.budget-group input {
  padding: 0.55rem 0.6rem;
  border-radius: 8px;
  border: 1px solid var(--color-border);
  font-size: 0.95rem;
  outline: none;
  transition:
    border-color var(--transition-fast),
    box-shadow var(--transition-fast),
    background-color var(--transition-fast);
}

.budget-group input:focus {
  border-color: var(--color-seafoam);
  box-shadow: 0 0 0 2px rgba(131, 197, 190, 0.45);
  background-color: #f8fcfd;
}

/* Results side */

.budget-results h4 {
  margin-top: 1.25rem;
  margin-bottom: 0.45rem;
  font-size: 0.95rem;
}

.results-summary {
  margin-top: 0.5rem;
  padding: 0.9rem 1rem;
  border-radius: 14px;
  background-color: rgba(237, 246, 249, 0.9);
  border: 1px solid rgba(0, 109, 119, 0.18);
}

.results-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
  margin-bottom: 0.25rem;
}

.results-row span {
  color: var(--color-text-muted);
}

.results-row strong {
  font-weight: 600;
}

.results-row--highlight {
  margin-top: 0.2rem;
  padding-top: 0.35rem;
  border-top: 1px dashed rgba(0, 109, 119, 0.25);
}

.results-list {
  list-style: none;
  padding: 0;
  margin: 0.25rem 0 0.75rem;
  font-size: 0.9rem;
}

.results-list li {
  display: flex;
  justify-content: space-between;
  padding: 0.25rem 0;
  border-bottom: 1px dashed rgba(0, 109, 119, 0.1);
}

.results-list li:last-child {
  border-bottom: none;
}

.results-note {
  margin-top: 0.75rem;
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

/* make summary elements behave in cards */
.budget-results {
  align-items: stretch;
}

.budget-results .results-summary,
.budget-results .results-list,
.budget-results .results-note {
  width: 100%;
}

/* Responsive */
@media (max-width: 900px) {
  .budget-layout {
    grid-template-columns: 1fr;
  }
}

/* #endregion */


/* #region Your Plan page
   =========================== */

.section-plan-hero {
  padding: 3.5rem 0 3.5rem;
  background: linear-gradient(
    to bottom,
    rgba(237, 246, 249, 0.95),
    #ffffff
  );
}

.plan-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(0, 1fr);
  gap: 1.75rem;
  align-items: flex-start;
}

.plan-input-card,
.plan-output-panel {
  background-color: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.4rem;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-soft);
}

.plan-subheading {
  margin: 1.1rem 0 0.35rem;
  font-size: 0.95rem;
  font-weight: 600;
}

.plan-input-card .input-group {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0.75rem 1rem;
  margin-bottom: 0.75rem;
}

.plan-input-card .input-item {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  min-width: 0;
}

.plan-input-card .input-item label {
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.plan-input-card .input-item input {
  padding: 0.55rem 0.6rem;
  border-radius: 8px;
  border: 1px solid var(--color-border);
  font-size: 0.95rem;
  outline: none;
  transition:
    border-color var(--transition-fast),
    box-shadow var(--transition-fast),
    background-color var(--transition-fast);
}

.plan-input-card .input-item input:focus {
  border-color: var(--color-seafoam);
  box-shadow: 0 0 0 2px rgba(131, 197, 190, 0.45);
  background-color: #f8fcfd;
}

.plan-submit-btn {
  margin-top: 1.4rem;
}

.plan-next-card {
  margin-top: 1.25rem;
}

.plan-illustration {
  width: 100%;
  display: flex;
  justify-content: center;
  margin-bottom: 1rem;
}

.plan-illustration-img {
  max-width: 260px;
  width: 100%;
  height: auto;
  border-radius: 16px;
}

/* Stack on tablet/phone */
@media (max-width: 900px) {
  .plan-layout {
    grid-template-columns: 1fr;
  }

  .plan-output-panel {
    margin-top: 1.5rem;
  }
}

/* Mobile hero tightening for plan */
@media (max-width: 768px) {
  .section-plan-hero {
    padding: 1rem 0 1.25rem !important;
  }

  .section-plan-hero .section-header h2 {
    font-size: 1.35rem !important;
    line-height: 1.25 !important;
    margin-bottom: 0.5rem !important;
  }

  .section-plan-hero .section-header p {
    font-size: 0.92rem !important;
    margin-bottom: 0.65rem !important;
  }

  .plan-layout {
    margin-top: 0.75rem !important;
    gap: 1rem !important;
  }

  .plan-input-card {
    margin-top: 0.25rem !important;
  }
}

@media (max-width: 480px) {
  .section-plan-hero {
    padding: 0.6rem 0 1rem !important;
  }

  .section-plan-hero .section-header p {
    display: none !important;
  }

  .section-plan-hero .section-header h2 {
    font-size: 1.15rem !important;
    margin-bottom: 0.25rem !important;
  }

  .plan-layout {
    margin-top: 0.4rem !important;
    gap: 0.75rem !important;
  }

  .plan-input-card {
    margin-top: 0 !important;
  }
}

/* #endregion */


/* #region Debt planner
   =========================== */

/* layout tweaks */
#debt-rows,
.debt-table,
.budget-group .table-wrapper,
#add-debt {
  grid-column: 1 / -1;
}

#add-debt {
  justify-self: flex-start;
  margin-top: 0.75rem;
}

.table-wrapper {
  width: 100%;
  overflow-x: auto;
}

.debt-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0 0.5rem;
}

.debt-table thead tr {
  background: #f3f7fa;
}

.debt-table th {
  padding: 0.35rem 0.75rem;
  text-align: left;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  color: var(--color-text-muted);
}

.debt-table tbody tr {
  background: #ffffff;
  box-shadow: 0 0 0 1px rgba(16, 42, 67, 0.06);
  border-radius: 999px;
}

.debt-table tbody tr:hover {
  box-shadow: 0 0 0 1px rgba(0, 109, 119, 0.22);
  background: #f7fbfc;
}

.debt-table td {
  padding: 0.35rem 0.75rem;
  vertical-align: middle;
}

.debt-table td:first-child {
  border-top-left-radius: 999px;
  border-bottom-left-radius: 999px;
}

.debt-table td:last-child {
  border-top-right-radius: 999px;
  border-bottom-right-radius: 999px;
}

.debt-table input[type="text"],
.debt-table input[type="number"] {
  width: 100%;
  box-sizing: border-box;
  font-size: 0.9rem;
}

.debt-table td.remove-cell {
  width: 1%;
  white-space: nowrap;
  text-align: right;
}

.debt-table .btn-link.remove-debt {
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  border: 1px solid rgba(16, 42, 67, 0.12);
  font-size: 0.8rem;
}

.debt-table .btn-link.remove-debt:hover {
  border-color: rgba(200, 60, 60, 0.4);
  color: #b3261e;
}

/* Headers tweaks */
.debt-table th.debt-name-header {
  font-size: 0.95rem;
  font-weight: 700;
}

.debt-table th.min-payment-header {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--color-text-muted);
}

/* Snowball / avalanche radio pills */

.payoff-option {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  margin-bottom: 1rem;
}

.payoff-option input[type="radio"] {
  order: 2;
  margin-top: 0.35rem;
}

.payoff-option .payoff-label {
  order: 1;
  display: block;
}

/* Payoff list */

#debtList {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
}

#debtList li {
  padding: 0.75rem 0;
  border-top: 1px solid rgba(16,42,67,0.08);
}

#debtList li:first-child {
  border-top: none;
}

#debtList .debt-line-main {
  display: block;
  margin-bottom: 0.25rem;
  font-size: 0.95rem;
  line-height: 1.3;
}

#debtList .debt-line-main strong {
  font-weight: 700;
}

#debtList .debt-line-meta {
  display: block;
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.3;
  padding-left: 0.25rem;
}

@media (max-width: 600px) {
  #debtList li {
    padding: 1rem 0;
  }

  #debtList .debt-line-main {
    margin-bottom: 0.35rem;
    font-size: 1rem;
  }

  #debtList .debt-line-meta {
    font-size: 0.95rem;
  }
}

/* Compact hero for debt page */
@media (max-width: 600px) {
  .section--debt-compact {
    padding-top: 2rem;
    padding-bottom: 0.5rem;
  }

  .section--debt-compact .section-header {
    margin-bottom: 0.4rem;
  }

  .section--debt-compact .section-header h2 {
    margin-bottom: 0.25rem;
    font-size: 1.25rem;
    line-height: 1.25;
  }

  .section--debt-compact .section-header p {
    display: none;
  }
}

/* Mobile-friendly debt table */
@media (max-width: 640px) {
  .debt-table thead {
    display: none;
  }

  .debt-table,
  .debt-table tbody,
  .debt-table tr,
  .debt-table td {
    display: block;
    width: 100%;
  }

  .debt-table tbody tr {
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 0 0 1px rgba(16, 42, 67, 0.08);
    padding: 1rem;
    margin-bottom: 1rem;
  }

  .debt-table td {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.35rem 0;
  }

  .debt-table td::before {
    content: attr(data-label);
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-text-muted);
    flex: 0 0 45%;
    max-width: 45%;
  }

  .debt-table td input[type="text"],
  .debt-table td input[type="number"] {
    width: 100%;
  }

    /* 👇 This is the important bit */
  .debt-table td.remove-cell {
    width: 100%;                 /* override desktop width: 1% */
    justify-content: flex-end;
    padding-top: 0.75rem;
    padding-bottom: 0;
    white-space: normal;
  }

  .debt-table td.remove-cell::before {
    content: "";
  }

  .debt-table td.remove-cell .remove-debt {
    position: static;
    display: inline-block;
    padding: 0.3rem 0.8rem;
    font-size: 0.8rem;
    border-radius: 999px;
    border: 1px solid rgba(16, 42, 67, 0.18);
  }

  .table-wrapper {
    overflow-x: visible !important;
  }
}

/* #endregion */


/* #region Quick picture CTA (Your Plan)
   =========================== */

.quick-picture-cta {
  margin-top: 1rem;
  text-align: right;
  opacity: 0;
  transition: opacity 0.4s ease;
  display: none;
}

.quick-picture-cta.show {
  display: block;
  opacity: 1;
}

.quick-picture-cta .snapshot-btn {
  font-size: 0.95rem;
  padding: 0.55rem 1.2rem;
}

/* #endregion */


/* #region Print styles (snapshot & charts)
   =========================== */

@media print {
  .site-header,
  .site-footer,
  .nav,
  .nav-toggle,
  .btn {
    display: none !important;
  }

  body {
    background: #ffffff;
  }

  .section-snapshot-hero,
  .section-snapshot-details,
  .section-snapshot-charts {
    padding: 0;
  }

  .container {
    max-width: 100%;
    padding: 0.5in;
  }
}

/* Snapshot PDF mode */
@media print {
  body.snapshot-print-mode {
    background: #ffffff !important;
  }

  body.snapshot-print-mode .site-header,
  body.snapshot-print-mode .site-footer,
  body.snapshot-print-mode .nav,
  body.snapshot-print-mode .nav-toggle,
  body.snapshot-print-mode .btn-download {
    display: none !important;
  }

  body.snapshot-print-mode main {
    padding: 1.2cm 1.6cm;
  }

  .snapshot-print-header {
    display: block !important;
    margin: 0 0 0.8cm;
    text-align: center;
    border-bottom: 1px solid #dde3ea;
    padding-bottom: 0.4cm;
  }

  .snapshot-print-header img {
    height: 36px;
    margin-bottom: 0.15cm;
  }

  .snapshot-print-header h1 {
    margin: 0;
    font-size: 1.6rem;
    color: #006d77;
  }

  .snapshot-print-header p {
    margin: 0.1cm 0 0;
    font-size: 0.9rem;
    color: #555;
  }

  body.snapshot-print-mode .section-snapshot-hero .section-header {
    display: none;
  }

  body.snapshot-print-mode .section {
    padding: 0 0 0.9cm;
    margin: 0;
  }

  body.snapshot-print-mode .card {
    box-shadow: none !important;
    page-break-inside: avoid;
    break-inside: avoid;
  }

  /* Keep charts together */
  .section-snapshot-charts,
  .dashboard-chart-grid,
  .dashboard-chart-grid .card {
    page-break-inside: avoid;
    break-inside: avoid;
  }

  .charts-wrapper {
    break-inside: avoid;
    page-break-inside: avoid;
    page-break-before: avoid;
    page-break-after: avoid;
  }

  @page {
    size: A4;
    margin: 1.2cm;
  }
}

/* #endregion */


/* #region Misc responsive
   =========================== */

/* Tablet hero stacking (extra safety) */
@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
  }

  .hero-mini-grid {
    flex-direction: column;
  }
}

/* #endregion */


/* Kill unwanted box around the logo */
.logo,
.logo img {
  border: none;
  outline: none;
  box-shadow: none;
  background: transparent;
}

/* If your logo is actually an <a> tag, also handle focus */
.logo:focus,
.logo:focus-visible {
  border: none;
  outline: none;
  box-shadow: none;
}

/* Add breathing room above the Update Plan button */
.budget-layout .btn.btn-primary,
.budget-layout .plan-submit-btn,
#updateBudgetBtn {
  margin-top: 1.25rem;   /* adjust to taste */
}

.nav-item.has-submenu .nav-submenu {
  display: none;
}

.nav-item.has-submenu.open .nav-submenu {
  display: block;
}

.reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.4s ease, transform 0.4s ease;
}

.reveal-visible {
  opacity: 1;
  transform: translateY(0);
}

/* =========================================
   HERO – mobile layout (tight + full-width CTAs)
   ========================================= */
@media (max-width: 768px) {
  .hero {
    padding-top: 2.25rem;       /* pull everything up */
    padding-bottom: 1.75rem;
  }

  .hero-inner {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1.25rem;               /* less space between text and image */
  }

  .hero-text {
    text-align: center;
    max-width: 22rem;
    margin: 0 auto;
  }

  .hero-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.3rem 0.85rem;
    border-radius: 999px;
    font-size: 0.72rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 0.7rem;      /* closer to headline */
  }

  .hero h1 {
    font-size: 1.75rem;         /* just a bit smaller to save height */
    line-height: 1.15;
    margin-bottom: 0.45rem;
  }

  .hero-tagline {
    font-size: 0.94rem;
    line-height: 1.5;
    margin-bottom: 1rem;        /* pulls CTAs up */
  }

  .hero-actions {
    display: flex;
    flex-direction: column;
    gap: 0.55rem;
    margin-bottom: 1.1rem;      /* keeps CTAs close to image */
    width: 100%;
  }

  /* Full-width buttons inside hero on mobile */
  .hero-actions .btn {
    display: block;
    width: 100%;
    text-align: center;
  }

  .btn.btn-primary,
  .btn.btn-secondary {
    padding-top: 0.85rem;
    padding-bottom: 0.85rem;
    font-weight: 600;
  }

  .hero-visual {
    width: 100%;
    max-width: 22rem;
    margin: 0 auto;
  }

  .hero-photo img {
    display: block;
    width: 100%;
    height: auto;
    border-radius: 18px;
  }
}

.tool-page {
  padding-bottom: 4rem;
}

.tool-hero {
  background: var(--color-soft-ice, #edf6f9);
  padding: 3rem 0 2rem;
}

.tool-hero-inner {
  max-width: 900px;
  margin: 0 auto;
}

.tool-hero-tagline {
  margin-top: 0.75rem;
  font-size: 1.05rem;
}

.tool-hero-note {
  margin-top: 0.5rem;
  font-size: 0.95rem;
  color: var(--color-text-muted, #5a5f5c);
}

.tool-grid {
  display: grid;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

@media (min-width: 900px) {
  .tool-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.field-grid {
  display: grid;
  gap: 1rem;
}

.field-label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.25rem;
}

.field-input {
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.field-prefix {
  padding: 0.4rem 0.5rem;
  border-radius: 999px;
  border: 1px solid var(--color-border, #c7d6dd);
  font-size: 0.9rem;
}

.field-help {
  display: block;
  margin-top: 0.25rem;
  font-size: 0.8rem;
  color: var(--color-text-muted, #5a5f5c);
}

.results-grid {
  margin-top: 1.5rem;
}

.result-main {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.result-sub {
  font-size: 0.9rem;
  color: var(--color-text-muted, #5a5f5c);
}

.result-card--best {
  border: 2px solid var(--color-deep-teal, #006d77);
  box-shadow: 0 0 0 3px rgba(0, 109, 119, 0.12);
}

.winner-note {
  margin-top: 1rem;
  font-size: 0.95rem;
  color: var(--color-text-muted, #5a5f5c);
}

.tool-page {
  padding-bottom: 4rem;
}

.tool-hero {
  background: var(--color-soft-ice, #edf6f9);
  padding: 3rem 0 2rem;
}

.tool-hero-inner {
  max-width: 900px;
  margin: 0 auto;
}

.tool-hero-text h1 {
  margin-bottom: 0.5rem;
}

.tool-hero-tagline {
  margin-top: 0.75rem;
  font-size: 1.05rem;
}

.tool-hero-note {
  margin-top: 0.5rem;
  font-size: 0.95rem;
  color: var(--color-text-muted, #5a5f5c);
}

/* Two-column layout like Family Budget Planner */
.tool-two-column {
  display: grid;
  gap: 1.5rem;
}

@media (min-width: 900px) {
  .tool-two-column {
    grid-template-columns: minmax(0, 2fr) minmax(0, 1.6fr);
    align-items: flex-start;
  }
}

.tool-inputs .tool-inputs-group + .tool-inputs-group {
  margin-top: 1.5rem;
}

.tool-subheading {
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
  color: var(--color-text-muted, #5a5f5c);
}

.tool-inputs .field-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 700px) {
  .tool-inputs .field-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Summary side card */
.tool-summary .card-body {
  margin-bottom: 1rem;
}

.summary-rows {
  display: grid;
  gap: 1rem;
  margin-bottom: 1rem;
}

.summary-label {
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 0.25rem;
}

.summary-main {
  font-size: 1.05rem;
  margin-bottom: 0.15rem;
}

.summary-sub {
  font-size: 0.85rem;
  color: var(--color-text-muted, #5a5f5c);
}

.winner-note {
  margin-top: 0.5rem;
  font-size: 0.9rem;
  color: var(--color-deep-teal, #006d77);
}

.tool-footer-note {
  margin-top: 1rem;
  font-size: 0.85rem;
  color: var(--color-text-muted, #5a5f5c);
}

.budget-group {
  display: grid;
  gap: 1rem;
}

@media (min-width: 768px) {
  .budget-group {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.budget-group label {
  font-size: 0.9rem;
  font-weight: 500;
}

.investment-row {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.investment-row label {
  flex: 1; /* Keeps RRSP and TFSA inputs wide and even */
}

.investment-row .inline-check {
  flex: 0 0 auto; /* Checkbox stays tight to content */
  display: flex;
  align-items: center;
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.inline-check input {
  margin-right: 0.4rem;
}

/* 3-column layout for the investment row */
.budget-group-invest {
  display: grid;
  gap: 1rem;
}

@media (min-width: 768px) {
  .budget-group-invest {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    align-items: end;
  }
}

/* Checkbox styling */
.inline-check {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.inline-check span {
  line-height: 1.3;
}

/* Standardize tool cards – TOOLS PAGES ONLY */
.section-tools-page .card,
.section-tools-highlight .card {
  padding: 1.75rem 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

/* Icon container style */
.section-tools-page .card-icon,
.section-tools-highlight .card-icon {
  width: 80px;
  height: 80px;
  margin-bottom: 1rem;
  background: var(--color-seafoam);
  padding: 0.75rem;
  border-radius: 12px;
}

/* Title consistency */
.section-tools-page .card-title,
.section-tools-highlight .card-title {
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}

/* Body text consistency */
.section-tools-page .card-body,
.section-tools-highlight .card-body {
  line-height: 1.45;
  color: var(--color-text-muted);
  margin-bottom: 1.5rem;
}

/* Button alignment */
.section-tools-page .card .pill-link,
.section-tools-highlight .card .pill-link {
  margin-top: auto;
}


/* =========================
   Snapshot / dashboard cards
   ========================= */

.section-snapshot {
  background: var(--color-soft-ice, #edf6f9);
}

/* Top row grid */
.card-grid.dashboard-top-grid {
  display: grid;
  gap: 1.75rem;
  margin-top: 1.75rem;
}

@media (min-width: 900px) {
  .card-grid.dashboard-top-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

/* Card shell (reuses your general card look but ensures consistency here) */
.section-snapshot .card-grid.dashboard-top-grid .card {
  background: #fff;
  border-radius: 20px;
  padding: 1.75rem 1.75rem 1.5rem;
  box-shadow: 0 10px 25px rgba(15, 52, 75, 0.08);
  display: flex;
  flex-direction: column;
}

.snapshot-big-number {
  display: block;
  margin: 0.25rem 0 0.75rem;
  font-size: 2.2rem;
  line-height: 1.1;
  font-weight: 700;
  text-align: center;
  color: var(--color-deep-teal); /* 💚 keep the green/teal */
}

.snapshot-metric-number {
  font-weight: 600;
  color: var(--color-deep-teal); /* teal for the smaller inline numbers too */
}


/* Smaller metric numbers (inside text) */
.snapshot-metric-number {
  font-weight: 600;
  color: var(--color-text, #102a43);
}

/* Bullet list inside cards */
.snapshot-metrics {
  margin: 0 0 0.75rem;
  padding-left: 1.25rem;
  color: var(--color-text-muted, #5a5f5c);
}

/* Little explanatory note at bottom */
.snapshot-footnote {
  margin: 0;
  font-size: 0.85rem;
  color: var(--color-text-muted, #5a5f5c);
}

/* =========================
   Snapshot hero polish
   ========================= */

/* Make the hero area feel like a soft dashboard band */
.section-snapshot-hero {
  background: var(--color-soft-ice, #edf6f9);
  padding-top: 3rem;
  padding-bottom: 3rem;
}

/* Top grid already exists, keep it but make cards stretch nicely */
.section-snapshot-hero .dashboard-top-grid {
  display: grid;
  gap: 1.75rem;
}

@media (min-width: 900px) {
  .section-snapshot-hero .dashboard-top-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

/* Card shell – match other FinForFam cards */
.section-snapshot-hero .dashboard-top-grid .card {
  background: #fff;
  border-radius: 20px;
  padding: 1.75rem 1.75rem 1.5rem;
  box-shadow: 0 10px 25px rgba(15, 52, 75, 0.08);
  display: flex;
  flex-direction: column;
}

/* Typography hierarchy */
.section-snapshot-hero .card-title {
  text-align: center;
  margin-bottom: 0.75rem;
}

.section-snapshot-hero .snapshot-big-number {
  text-align: center;
  font-size: 2.1rem;
  line-height: 1.1;
  font-weight: 700;
  color: var(--color-deep-teal, #006d77); /* keep the color you liked */
  margin: 0 0 1rem;
}

.section-snapshot-hero .snapshot-metric-number {
  font-weight: 600;
  color: var(--color-text, #102a43);
}

/* Copy blocks inside cards */
.section-snapshot-hero .card-body {
  font-size: 0.95rem;
  line-height: 1.5;
  color: var(--color-text-muted, #5a5f5c);
}

.section-snapshot-hero .snapshot-metrics {
  margin: 0 0 0.75rem;
  padding-left: 1.25rem;
}

.section-snapshot-hero .snapshot-footnote {
  margin-top: auto;            /* pushes it to the bottom for equal-feel cards */
  font-size: 0.85rem;
}

/* Keep the lower row visually tied to the hero band */
.section-snapshot-details {
  background: var(--color-soft-ice, #edf6f9);
  padding-top: 0; /* sits right under the hero */
}

/* === Snapshot top cards – layout + number styling === */

/* Center just the titles on the top snapshot cards */
.section-snapshot-hero .dashboard-top-grid .card-title {
  text-align: center;
  margin-bottom: 0.5rem;
}

/* Big numbers: centered, bold, teal */
.snapshot-big-number {
  display: block;
  margin: 0.25rem 0 0.75rem;
  font-size: 2.4rem;
  line-height: 1.1;
  font-weight: 700;
  color: var(--color-deep-teal); /* keep the green/teal you like */
}

/* Small metric numbers inside body copy on those cards */
.snapshot-metric-number {
  font-weight: 600;
  color: var(--color-deep-teal);
}

/* Ensure the descriptive text & lists stay left-aligned */
.section-snapshot-hero .dashboard-top-grid .card .card-body,
.section-snapshot-hero .dashboard-top-grid .snapshot-metrics {
  text-align: left;
}

/* =========================================
   YOUR PLAN – tidy, symmetric layout
   ========================================= */

/* Use a clean 2-column layout for the planner inputs */
#quick-plan-form .budget-group {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem 1rem;
}

/* Labels & inputs inside the Your Plan form */
#quick-plan-form .budget-group label {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

#quick-plan-form .budget-group input {
  width: 100%;
}

/* Headings inside the left column – consistent spacing */
#quick-plan-form h4 {
  margin-top: 1.25rem;
  margin-bottom: 0.5rem;
}

/* Make the two big columns feel like a matched pair */
#quick-plan-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(0, 1fr);
  gap: 1.75rem;
  align-items: flex-start;
}

/* Make each side stretch nicely */
#quick-plan-form,
#quick-plan-results {
  display: flex;
  flex-direction: column;
}

/* Results side: make blocks fill width and push CTA to bottom */
#quick-plan-results .results-summary,
#quick-plan-results .results-list,
#quick-plan-results .results-note,
#quick-plan-results .plan-next-card {
  width: 100%;
}

#quick-plan-results .quick-picture-cta {
  margin-top: 1rem;
  text-align: right;
}

/* Stack the two main columns on smaller screens */
@media (max-width: 900px) {
  #quick-plan-layout {
    grid-template-columns: 1fr;
  }
}

/* On phones, switch input groups to single-column so nothing feels cramped */
@media (max-width: 700px) {
  #quick-plan-form .budget-group {
    grid-template-columns: 1fr;
  }
}

.nav-submenu {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;        /* space between links */
}

.nav-sub-link {
  white-space: nowrap; /* keep each label on one line */
  padding: 0.4rem 0.9rem;
  font-size: 0.9rem;   /* a touch smaller so they fit nicely */
}

.section-seo-callout .seo-callout {
  background: #f2fbfc;
  padding: 1.75rem 2rem;
  border-radius: 16px;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.04);
  font-size: 1.05rem;
  line-height: 1.6;
  color: #08353f;
}
.section-seo-callout a {
  color: #006d77;
  text-decoration: underline;
}

.section-seo-callout {
  padding-top: 0.1rem !important;
  padding-bottom: 2rem;
}

/* Make the Extra Payment block look uniform with other fields */
.budget-group-extra {
  display: block;              /* cancel any flex layout from .budget-group */
}

.budget-group-extra label {
  display: block;
  margin-bottom: 0.5rem;
}

.budget-group-extra .tool-helper-text {
  margin-top: 0.25rem;
  max-width: 32rem;  
  font-size: 0.875rem;   /* 14px *         /* keeps the text from stretching too wide */
  line-height: 1.5;
}

/* Mobile layout for the budget action buttons */
@media (max-width: 640px) {
  .budget-actions {
    display: flex;             /* in case it isn't already */
    flex-direction: column;    /* stack vertically */
    align-items: stretch;      /* buttons fill the column width */
    gap: 0.5rem;               /* space between buttons */
    margin-top: 0.75rem;
  }

  .budget-actions button {
    width: 100%;
    justify-content: center;   /* center the text in pill-style buttons */
  }
}

/* Reduce spacing below tool headers */
.section-header {
  margin-bottom: 1.25rem !important;   /* was ~2.5–3rem */
}

/* Tighten paragraph spacing in tool intro */
.section-header p {
  margin-bottom: 0.5rem !important;
}

/* Tighten spacing below the intro bullet list */
.tool-intro-list {
  margin-bottom: 0.75rem !important;
}

.tool-disclaimer-card p {
  font-size: 0.78rem;     /* smaller text */
  line-height: 1.35;      /* tighter spacing */
  color: #566;            /* softer color (optional) */
  opacity: 0.85;          /* subtle fade */
}

/* Left-align submenu text */
.nav-submenu {
  text-align: left;          /* main fix */
  padding-left: 0.75rem;     /* optional: gives a cleaner left margin */
}

.nav-sub-link {
  display: block;            /* makes the entire row clickable */
  text-align: left;          /* ensures each link is left-aligned */
  padding: 0.5rem 1rem;      /* nice vertical spacing */
}

.nav-submenu {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  row-gap: 0.25rem;
  padding: 0.75rem 1.2rem 0.9rem;
}

.nav-sub-link {
  display: block;
  padding: 0.35rem 0.6rem;
  border-radius: 8px;
  line-height: 1.3;
}

/* Footer-style treatment for the last link */
.nav-sub-link:last-child {
  margin-top: 0.6rem;
  border-top: 1px solid rgba(255,255,255,0.18);
  padding-top: 0.7rem;
  border-radius: 0;
  font-weight: 500;
  opacity: 0.9;
}

.nav-subtitle {
  display: block;
  padding: 0 0 0.4rem 0.35rem;   /* shift right a bit, add spacing below */
  font-size: 0.70rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #d9eff0;                /* slightly brighter than the links */
}

.nav-subtitle {
  line-height: 1.1;
}

.nav-sub-link:last-child {
  border-top: 1px solid rgba(255,255,255,0.12);
  opacity: 0.9;
}

/* SNAPSHOT DASHBOARD – PREMIUM LAYOUT
   ---------------------------------- */

.snapshot-hero {
  background: linear-gradient(135deg, #e6f5f7 0%, #f4fafb 60%, #ffffff 100%);
  padding-top: 3.5rem;
  padding-bottom: 3.5rem;
}

.snapshot-hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
  gap: 2.5rem;
  /* was: align-items: center; */
  align-items: start;          /* top-align and stop vertical stretching */
}

/* extra safety in case something else overrides it */
.snapshot-hero-panel {
  padding: 1.4rem 1.6rem;
  border-radius: 20px;
  background: #ffffff;
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.16);
  align-self: start;           /* ensure the card only fits its content */
}


.snapshot-hero-title {
  font-size: clamp(1.9rem, 2.4vw, 2.4rem);
  margin-bottom: 0.6rem;
}

.snapshot-hero-subtitle {
  max-width: 36rem;
  line-height: 1.6;
  color: #334155;
}

.snapshot-hero-actions {
  margin-top: 1.4rem;
}

.snapshot-hero-actions .btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding-inline: 1.4rem;
}

.snapshot-hero-hint {
  font-size: 0.85rem;
  margin-top: 0.6rem;
  color: #475569;
}


.snapshot-panel-title {
  font-size: 0.88rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: #64748b;
  margin-bottom: 0.9rem;
}

.snapshot-kpi-list {
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
}

.snapshot-kpi-label {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #64748b;
  margin-bottom: 0.2rem;
}

.snapshot-kpi-value {
  font-size: 1.4rem;
  font-weight: 700;
  color: #006d77;
  margin-bottom: 0.2rem;
}

.snapshot-kpi-caption {
  font-size: 0.8rem;
  color: #64748b;
  line-height: 1.5;
}

/* Summary sections */

.snapshot-summary,
.snapshot-details,
.snapshot-charts {
  padding-top: 3rem;
  padding-bottom: 3rem;
}

.snapshot-top-grid {
  margin-top: 1.8rem;
}

.snapshot-detail-grid,
.snapshot-chart-grid {
  margin-top: 1.8rem;
}

.snapshot-card {
  border-radius: 20px;
  box-shadow: 0 14px 32px rgba(15, 23, 42, 0.10);
  border: 1px solid rgba(148, 163, 184, 0.15);
}

.snapshot-card--primary {
  background: radial-gradient(circle at 0% 0%, #f1fbfc 0%, #ffffff 55%);
}

.snapshot-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: #64748b;
  margin-top: 0.3rem;
  margin-bottom: 0.3rem;
}

.snapshot-big-number {
  font-size: 1.7rem;
  font-weight: 700;
  color: #006d77;
  margin-bottom: 0.75rem;
}

.snapshot-metrics {
  list-style: disc;
  padding-left: 1.1rem;
  margin: 0 0 0.75rem 0;
  color: #1f2933;
  line-height: 1.6;
  font-size: 0.92rem;
}

.snapshot-metrics--tight li {
  margin-bottom: 0.15rem;
}

.snapshot-metric-number {
  font-weight: 600;
  color: #0f172a;
}

.snapshot-footnote {
  font-size: 0.82rem;
  color: #64748b;
  margin-top: 0.2rem;
}

/* Detail highlights */

.snapshot-detail-highlight {
  font-size: 1.1rem;
  font-weight: 600;
  color: #006d77;
  margin-bottom: 0.4rem;
}

/* Charts layout */

.snapshot-chart-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 1.8rem;
}

.snapshot-chart-shell {
  margin-top: 0.4rem;
  margin-bottom: 0.4rem;
  min-height: 260px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Reveal animation (optional polish if not already present) */

.reveal {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 400ms ease-out, transform 400ms ease-out;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Responsive tweaks */

@media (max-width: 900px) {
  .snapshot-hero-inner {
    grid-template-columns: minmax(0, 1fr);
  }

  .snapshot-hero-panel {
    order: -1; /* panel above text on small screens, if you prefer remove this */
  }
}

@media (max-width: 640px) {
  .snapshot-chart-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .snapshot-hero {
    padding-top: 2.4rem;
    padding-bottom: 2.4rem;
  }

  .snapshot-hero-panel {
    padding: 1.1rem 1.2rem;
  }

  .snapshot-card {
    border-radius: 16px;
  }
}

.snapshot-detail-highlight {
  margin-bottom: 0.6rem;
  line-height: 1.35;
}

.snapshot-chart-shell canvas {
  max-height: 320px;
}

.section + .section {
  border-top: 1px solid rgba(0,0,0,0.04);
}

.snapshot-chart-shell {
  margin-top: 0.4rem;
  margin-bottom: 0.4rem;
  min-height: 340px;              /* was 260 – bump it up */
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Make the charts actually use the shell height */
.snapshot-chart-shell canvas {
  width: 100% !important;
  height: 100% !important;
}

.section-about-hero {
  background: linear-gradient(135deg, #e6f4f5 0%, #f5fafb 55%, #ffffff 100%);
  padding-top: 3.5rem;
  padding-bottom: 3rem;
}

.about-hero-grid {
  max-width: 800px;
}

.about-hero-text h1 {
  font-size: clamp(2rem, 3vw, 2.4rem);
  margin-bottom: 0.8rem;
}

.section-about-body {
  padding-top: 2.5rem;
  padding-bottom: 3.5rem;
}

.article-body h2 {
  margin-top: 2.2rem;
  margin-bottom: 0.6rem;
}

.article-body p {
  max-width: 52rem;
}

/* Scroll reveal base state */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

/* When revealed */
.reveal.reveal-visible {
  opacity: 1;
  transform: translateY(0);
}

.text-highlight {
  color: #006d77;
  font-weight: 500;
}

.text-highlight {
  color: #006d77;
  font-weight: 500;
}

/* Tighten gap after about hero */
.section-about-hero {
  padding-bottom: 2rem; /* Instead of 3.5–4rem */
}

.section-about-body {
  padding-top: 2rem; /* Instead of large spacing */
}

/* OR even tighter premium layout */
.section-about-body--tight {
  padding-top: 1.5rem;
}

.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.8rem;
}

.tool-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.tool-card {
  transition: transform 0.18s ease-out, box-shadow 0.18s ease-out;
}

.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 35px rgba(15, 23, 42, 0.14);
}

.tool-card .card-title {
  font-size: 1.05rem;
  font-weight: 600;
  margin-top: 0.25rem;
  margin-bottom: 0.4rem;
}

.tool-card .card-body {
  color: #4b5563; /* a bit softer than pure body text */
  font-size: 0.95rem;
  line-height: 1.6;
}

.tool-tag {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: #6b7280;
  margin-top: 0.5rem;
  margin-bottom: 0.1rem;
}

.tool-card--featured {
  background: radial-gradient(circle at 0% 0%, #f1fbfc 0%, #ffffff 55%);
}

.pill-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.85rem;
  border-radius: 999px;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: #0f766e;
  background: #e0f7f4;
  margin-bottom: 0.4rem;
}

.tool-card--featured .pill-badge {
  margin-top: 1.25rem;
}

.tool-card--featured {
  background: linear-gradient(180deg, #ffffff 0%, #f4fcfc 100%);
}

/* Desktop default: copy left, panel right */
.snapshot-hero-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 2.5rem;
}

/* Mobile reordering: INTRO first, KPI panel second */
@media (max-width: 768px) {
  .snapshot-order-intro {
    order: 1;
  }
  .snapshot-order-panel {
    order: 2;
  }
}

.card-badge {
  display: inline-block;
  margin-top: 0.5rem;
  margin-bottom: 1rem;
  padding: 4px 12px;
  font-size: 0.75rem;
  font-weight: 600;
  color: #005b66;
  background: #dff5f7;
  border-radius: 16px;
  text-transform: uppercase;
  letter-spacing: 0.7px;
}

.card-badge {
  backdrop-filter: blur(4px);
  background: rgba(223, 245, 247, 0.8);
}

.snapshot-card-value {
  font-size: 2rem;
  font-weight: 700;
  color: var(--teal-700);
  margin-bottom: 0.25rem;
}

.snapshot-card-subtitle {
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 0.75rem;
  color: var(--gray-600);
  margin-bottom: 1rem;
}

.snapshot-card-list {
  margin: 0 0 1rem 1rem;
  padding: 0;
  list-style: disc;
  color: var(--gray-700);
  line-height: 1.5;
}

.snapshot-card-caption {
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-top: 0.5rem;
}

/* Mortgage status mid-card */

.snapshot-mortgage-metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.25rem;
  margin-top: 1.25rem;
  margin-bottom: 0.75rem;
}

.snapshot-mini-metric {
  text-align: left;
}

.snapshot-mini-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #64748b;
  margin-bottom: 0.25rem;
}

.snapshot-mini-number {
  font-size: 1.1rem;
  font-weight: 600;
  color: #006d77; /* same teal as other KPIs */
}

@media (max-width: 768px) {
  .snapshot-mortgage-metrics {
    grid-template-columns: minmax(0, 1fr);
  }
}

/* Tools icons – force square corners */
.card-icon {
  display: block;
  width: 80px;
  height: 80px;
  border-radius: 0;          /* <-- hard reset */
  object-fit: contain;
}

.snapshot-hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
  gap: 3rem;
  align-items: stretch;
}

.snapshot-hero-left {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.snapshot-hero-photo img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 24px;        /* match your card radius */
  box-shadow: var(--shadow-soft);
  object-fit: cover;
}

/* Mobile stacking */
@media (max-width: 800px) {
  .snapshot-hero-inner {
    grid-template-columns: 1fr;
  }

  .snapshot-hero-panel {
    margin-top: 2rem;
  }
}

.snapshot-hero-photo {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-soft);
}

.snapshot-hero-photo img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
}

.snapshot-hero-photo {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  background: #e7f3f6; /* optional soft fallback */
}

/* SECTION WRAPPER */
.snapshot-hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr);
  column-gap: 3rem;
  row-gap: 0;
  align-items: start;          /* top-align; no stretching */
}

/* LEFT COLUMN: photo + text treated as one unit */
.snapshot-hero-left {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;                /* space between photo and copy */
  align-self: start;
}

/* PHOTO CARD */
.snapshot-hero-photo {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  background: #e7f3f6;         /* soft fallback */
}

.snapshot-hero-photo img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
}

/* RIGHT COLUMN PANEL */
.snapshot-hero-panel {
  padding: 1.4rem 1.6rem;
  border-radius: 20px;
  background: #ffffff;
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.16);
  align-self: start;           /* don’t match the photo height */
}

/* MOBILE STACKING */
@media (max-width: 800px) {
  .snapshot-hero-inner {
    grid-template-columns: 1fr;
    row-gap: 2rem;
  }

  .snapshot-hero-panel {
    margin-top: 0;
  }
}

/* ========== Quick Plan premium styling ========== */

.plan-summary-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.9rem;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(15, 23, 42, 0.04);
  position: relative;
  overflow: hidden;
}

/* subtle gradient bar along the top for a premium feel */
.plan-summary-card::before {
  content: "";
  position: absolute;
  inset: 0;
  top: 0;
  height: 4px;
  background: linear-gradient(
    90deg,
    rgba(0, 109, 119, 0.35),
    rgba(131, 197, 190, 0.6)
  );
  opacity: 0.85;
}

.plan-summary-header {
  margin-bottom: 0.6rem;
}

.plan-tagline {
  margin: 0;
  font-size: 0.95rem;
  color: var(--color-text-muted);
}

.plan-group {
  padding: 0.7rem 0;
  border-bottom: 1px dashed var(--color-border);
}

.plan-group:first-of-type {
  padding-top: 0.3rem;
}

.plan-group--no-border {
  border-bottom: none;
}

.plan-group-title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-deep-teal);
  margin: 0 0 0.4rem;
  letter-spacing: 0.01em;
}

.plan-metric-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.75rem;
  margin-top: 0.35rem;
}

.plan-metric-label {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.9rem;
  color: var(--color-text);
}

.plan-metric-icon {
  font-size: 1rem;
}

.plan-metric-value {
  font-weight: 600;
  font-size: 1rem;
  white-space: nowrap;
}

.plan-metric-value--highlight {
  font-size: 1.05rem;
}

.plan-detail-list {
  list-style: none;
  padding: 0.35rem 0 0;
  margin: 0;
}

.plan-detail-list li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.88rem;
  padding: 0.3rem 0;
}

.plan-detail-list span {
  color: var(--color-text-muted);
}

.plan-detail-list strong {
  font-weight: 600;
}

.plan-insight-card {
  margin-top: 0.7rem;
  padding: 0.9rem 1rem;
  border-radius: var(--radius-md);
  background: rgba(131, 197, 190, 0.09);
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--color-text);
}

.plan-footnote {
  margin-top: 0.45rem;
  font-size: 0.78rem;
  color: var(--color-text-muted);
}

/* CTA reveal */
.quick-picture-cta {
  margin-top: 1.4rem;
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 220ms ease-out, transform 220ms ease-out;
}

.quick-picture-cta.show {
  opacity: 1;
  transform: translateY(0);
}

/* small tweak so right column feels balanced on mobile */
@media (max-width: 900px) {
  #quick-plan-results {
    margin-top: 1.75rem;
  }

  .plan-summary-card {
    padding: 1.4rem 1.7rem;
  }
}

/* ===== Debt Planner premium styles ===== */

/* Softer table wrapper */
.table-wrapper--soft {
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(15, 23, 42, 0.04);
}

/* Calm, less-grid debt table */
.debt-table--premium {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.debt-table--premium thead tr {
  border-bottom: 1px solid var(--color-border);
}

.debt-table--premium th,
.debt-table--premium td {
  padding: 0.6rem 0.5rem;
}

.debt-table--premium input {
  width: 100%;
}

.debt-table--premium tbody tr:nth-child(even) {
  background: rgba(148, 163, 184, 0.03);
}

/* Payoff method rows as soft cards */
.payoff-option--card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 0.75rem 0.9rem;
  border-radius: var(--radius-md);
  background: rgba(148, 163, 184, 0.08);
  margin-bottom: 0.55rem;
}

.payoff-label {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}

.payoff-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.25rem 0.7rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
  background: var(--color-deep-teal);
  color: #fff;
}

.payoff-pill--outline {
  background: transparent;
  color: var(--color-deep-teal);
  border: 1px solid rgba(0, 109, 119, 0.4);
}

.payoff-description {
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

/* Make radio small and unobtrusive */
.payoff-option--card input[type="radio"] {
  accent-color: var(--color-deep-teal);
}

/* Premium plan summary card (reuse from Your Plan if present) */
.plan-summary-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.9rem;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(15, 23, 42, 0.04);
  position: relative;
  overflow: hidden;
}

.plan-summary-card::before {
  content: "";
  position: absolute;
  inset: 0;
  top: 0;
  height: 4px;
  background: linear-gradient(
    90deg,
    rgba(0, 109, 119, 0.35),
    rgba(131, 197, 190, 0.6)
  );
  opacity: 0.85;
}

.plan-summary-header {
  margin-bottom: .5rem;
}

.plan-tagline {
  margin: 0;
  font-size: 0.95rem;
  color: var(--color-text-muted);
}

.plan-group {
  padding: 0.25rem 0;
  border-bottom: 1px dashed var(--color-border);
}

.plan-group:first-of-type {
  padding-top: 0.4rem;
}

.plan-group--no-border {
  border-bottom: none;
}

.plan-group-title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-deep-teal);
  margin: 0 0 0.4rem;
  letter-spacing: 0.01em;
}

.plan-metric-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.75rem;
  margin-top: 0.35rem;
}

.plan-metric-label {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.9rem;
  color: var(--color-text);
}

.plan-metric-icon {
  font-size: 1rem;
}

.plan-metric-value {
  font-weight: 600;
  font-size: 1rem;
  white-space: nowrap;
}

.plan-metric-value--highlight {
  font-size: 1.05rem;
}

.results-list--debt {
  padding-left: 0;
  list-style: none;
  font-size: 0.88rem;
}

.results-list--debt li {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
  padding: 0.25rem 0;
}

.debt-line-main {
  color: var(--color-text);
}

.debt-line-meta {
  color: var(--color-text-muted);
  font-size: 0.82rem;
}

.plan-insight-card {
  margin-top: 1.2rem;
  padding: 0.9rem 1rem;
  border-radius: var(--radius-md);
  background: rgba(131, 197, 190, 0.09);
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--color-text);
}

.plan-footnote {
  margin-top: 1.0rem;
  font-size: 0.78rem;
  color: var(--color-text-muted);
}

/* Mobile tweaks */
@media (max-width: 900px) {
  #debt-results {
    margin-top: 1.75rem;
  }
  .plan-summary-card {
    padding: 1.5rem 1.25rem;
  }
}

/* Surplus colouring */
.surplus-positive { color: #006d77; }
.surplus-negative { color: #b00020; }
.surplus-neutral  { color: inherit; }

/* Compact list variant for inside cards */
.results-list--compact {
  padding-left: 0;
  list-style: none;
}

.results-list--compact li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.25rem 0;
  font-size: 0.9rem;
}

.results-list-pct {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* Plan summary card (shared with Your Plan / Debt Planner) */
.plan-summary-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 1.6rem 1.8rem;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(15, 23, 42, 0.04);
  position: relative;
  overflow: hidden;
}

.plan-summary-card::before {
  content: "";
  position: absolute;
  inset: 0;
  top: 0;
  height: 4px;
  background: linear-gradient(
    90deg,
    rgba(0, 109, 119, 0.35),
    rgba(131, 197, 190, 0.6)
  );
  opacity: 0.85;
}

.plan-summary-header {
  margin-bottom: 0.1rem;
}

.plan-tagline {
  margin: 0;
  font-size: 0.95rem;
  color: var(--color-text-muted);
}

.plan-group {
  padding: 0.7rem 0;
  border-bottom: 1px dashed var(--color-border);
}

.plan-group:first-of-type {
  padding-top: 0.3rem;
}

.plan-group--no-border {
  border-bottom: none;
}

.plan-group-title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-deep-teal);
  margin: 0 0 0.4rem;
  letter-spacing: 0.01em;
}

.plan-metric-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 0.75rem;
  margin-top: 0.35rem;
}

.plan-metric-label {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.9rem;
  color: var(--color-text);
}

.plan-metric-icon {
  font-size: 1rem;
}

.plan-metric-value {
  font-weight: 600;
  font-size: 1rem;
  white-space: nowrap;
}

.plan-insight-card {
  margin-top: 0.7rem;
  padding: 0.9rem 1rem;
  border-radius: var(--radius-md);
  background: rgba(131, 197, 190, 0.09);
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--color-text);
}

.plan-footnote {
  margin-top: 0.45rem;
  font-size: 0.78rem;
  color: var(--color-text-muted);
}

/* Mobile tweaks */
@media (max-width: 900px) {
  #budget-results {
    margin-top: 1.75rem;
  }
  .plan-summary-card {
    padding: 1.5rem 1.3rem;
  }
}

/* Snapshot hero layout */

.snapshot-hero {
  padding-block: 3.5rem 4rem;
  background: linear-gradient(135deg, var(--color-soft-ice), #ffffff);
}

.snapshot-hero-inner {
  display: grid;
  gap: 2.75rem;
  align-items: stretch;
}

/* Two-column on desktop */
@media (min-width: 900px) {
  .snapshot-hero-inner {
    grid-template-columns: minmax(0, 1.45fr) minmax(0, 1fr);
  }

  .snapshot-order-intro {
    order: 1;
  }

  .snapshot-order-panel {
    order: 2;
  }
}

/* Stack on mobile, show copy before panel if you prefer */
@media (max-width: 899.98px) {
  .snapshot-hero-inner {
    grid-template-columns: minmax(0, 1fr);
  }

  .snapshot-order-intro {
    order: 1;
  }

  .snapshot-order-panel {
    order: 2;
  }
}

/* Left side */

.snapshot-hero-left {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.snapshot-hero-photo img {
  width: 100%;
  display: block;
  border-radius: 24px;
  object-fit: cover;
  box-shadow: var(--shadow-soft);
}

.snapshot-hero-copy {
  max-width: 640px;
}

.snapshot-hero-title {
  font-size: clamp(2.2rem, 2.6vw + 1.4rem, 2.8rem);
  line-height: 1.15;
  margin-bottom: 0.75rem;
}

.snapshot-hero-subtitle {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--color-text-muted);
  margin-bottom: 0.75rem;
}

.snapshot-hero-highlights {
  list-style: none;
  padding: 0;
  margin: 0 0 1.25rem;
  display: grid;
  gap: 0.35rem;
}

.snapshot-hero-highlights li {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  position: relative;
  padding-left: 1.1rem;
}

.snapshot-hero-highlights li::before {
  content: "•";
  position: absolute;
  left: 0;
  top: 0;
  color: var(--color-deep-teal);
  font-weight: 700;
}

.snapshot-hero-actions {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.snapshot-hero-hint {
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

/* Right KPI panel */

.snapshot-hero-panel {
  align-self: stretch;
  display: flex;
  flex-direction: column;
  padding: 1.75rem 1.75rem 1.5rem;
  border-radius: 24px;
  box-shadow: var(--shadow-soft);
}

.snapshot-panel-title {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.8rem;
  color: var(--color-text-muted);
  margin-bottom: 1.4rem;
}

.snapshot-kpi-list {
  display: flex;
  flex-direction: column;
  gap: 1.4rem;
}

.snapshot-kpi + .snapshot-kpi {
  border-top: 1px solid var(--color-border);
  padding-top: 1.3rem;
}

.snapshot-kpi-label {
  font-size: 0.9rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-muted);
  margin-bottom: 0.25rem;
}

.snapshot-kpi-value {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--color-deep-teal);
  margin-bottom: 0.25rem;
}

.snapshot-kpi-caption {
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--color-text-muted);
}

.snapshot-panel-footnote {
  margin-top: 1.5rem;
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.snapshot-hero-inner {
  display: grid;
  gap: 2.75rem;
  align-items: stretch;
}

@media (min-width: 900px) {
  .snapshot-hero-inner {
    grid-template-columns: minmax(0, 1.35fr) minmax(0, 1fr);
  }
}

/* Left hero card */

.snapshot-hero-left-card {
  padding: 1.75rem 1.75rem 1.5rem;
  border-radius: 24px;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.snapshot-hero-photo img {
  width: 100%;
  display: block;
  border-radius: 20px;
  object-fit: cover;
  box-shadow: var(--shadow-soft);
}

.snapshot-hero-copy {
  /* remove max-width here if you had one */
  max-width: none;
}

.snapshot-kpi-list {
  display: flex;
  flex-direction: column;
  gap: 1.4rem;
}

.snapshot-kpi + .snapshot-kpi {
  border-top: 1px solid var(--color-border);
  padding-top: 1.3rem;
}

/* Next step block */

.snapshot-panel-next {
  margin-top: 1.7rem;
  padding-top: 1.3rem;
  border-top: 1px solid var(--color-border);
}

.snapshot-panel-next-label {
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: 0.35rem;
}

.snapshot-panel-next-text {
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--color-text-muted);
  margin-bottom: 0.4rem;
}

.snapshot-panel-link {
  font-size: 0.9rem;
  font-weight: 500;
  text-decoration: none;
  color: var(--color-deep-teal);
}

.snapshot-panel-link:hover {
  text-decoration: underline;
}

/* Scroll-in reveal animation (single source of truth for transitions) */
.reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.20s ease-out, transform 0.20s ease-out;

}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Cards that should be “interactive” (hover + reveal) */
.snapshot-card,
.snapshot-hero-left-card,
.snapshot-hero-panel {
  will-change: transform, box-shadow;
}

/* Hover: subtle lift + shadow on all hero/snapshot cards */
.snapshot-card:hover,
.snapshot-hero-left-card:hover,
.snapshot-hero-panel:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.10);
}

/* Extra polish ONLY for regular snapshot cards */
.snapshot-card:hover {
  backdrop-filter: blur(2px);
  background-color: #ffffffF2;
}

.reveal {
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 0.22s ease-out, transform 0.22s ease-out;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* =========================================
   LEARN PAGE — PREMIUM FINTECH STYLING
   ========================================= */

/* Top-level background & spacing */
.section-learn-main {
  background: linear-gradient(180deg, #f6fafb 0%, #ffffff 65%);
}

/* Intro header */
.section-learn-main .section-header {
  max-width: 720px;
  margin-bottom: 2.5rem;
}

.learn-hero-title {
  font-size: clamp(2.1rem, 3vw, 2.6rem);
  margin-bottom: 0.75rem;
}

.section-intro {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--color-text-muted);
}

/* Topic quick-nav chips */
.learn-topic-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  padding: 0.9rem 1.1rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 10px 25px rgba(15, 23, 42, 0.06);
  margin-bottom: 2.5rem;
}

.learn-topic-chip {
  display: inline-flex;
  align-items: center;
  padding: 0.45rem 0.95rem;
  border-radius: 999px;
  font-size: 0.9rem;
  border: 1px solid rgba(0, 109, 119, 0.18);
  color: var(--color-deep-teal);
  background: #ffffff;
  text-decoration: none;
  transition: background-color 0.2s ease, color 0.2s ease, transform 0.18s ease, box-shadow 0.2s ease;
}

.learn-topic-chip:hover {
  background: var(--color-seafoam);
  color: #04323a;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(15, 23, 42, 0.14);
}

/* Topic blocks */
.learn-topics {
  display: flex;
  flex-direction: column;
  gap: 3.5rem;
}

.learn-topic-block {
  position: relative;
}

.learn-topic-shell {
  padding: 2.3rem 2rem 2rem;
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.06);
}

/* Topic header */
.learn-topic-header {
  max-width: 640px;
  margin-bottom: 1.9rem;
}

.learn-topic-kicker {
  position: relative;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-text-muted);
  margin-bottom: 0.45rem;
}

.learn-topic-kicker::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -0.35rem;
  width: 48px;
  height: 3px;
  border-radius: 999px;
  background: var(--color-deep-teal);
}

.learn-topic-header h2 {
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
}

.learn-topic-header p {
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* Card grid */
.learn-card-content {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.4rem;
}

@media (max-width: 1100px) {
  .learn-card-content {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .learn-card-content {
    grid-template-columns: 1fr;
  }

  .learn-topic-shell {
    padding: 1.7rem 1.25rem 1.5rem;
  }
}

/* Individual guide cards */
.learn-card {
  border-radius: 20px;
  padding: 1.4rem 1.4rem 1.2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: #ffffff;
  box-shadow: 0 6px 18px rgba(15, 23, 42, 0.04);
  transition: transform 0.22s ease, box-shadow 0.22s ease, background-color 0.22s ease;
}

.learn-card .card-title {
  font-size: 1.05rem;
  margin-bottom: 0.45rem;
}

.learn-card .card-body {
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--color-text-muted);
  margin-bottom: 0.9rem;
}

.learn-card .pill-link {
  margin-top: auto;
  font-size: 0.9rem;
}

/* Card hover — gentle lift */
.learn-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 38px rgba(15, 23, 42, 0.12);
  background-color: #fffffffa;
}

/* How-to section */
.section-learn-how {
  background: #f7fbfc;
}

.section-learn-how .section-header {
  max-width: 640px;
}

.how-grid {
  margin-top: 2rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.4rem;
}

@media (max-width: 900px) {
  .how-grid {
    grid-template-columns: 1fr;
  }
}

.how-step {
  background: #ffffff;
  border-radius: 22px;
  padding: 1.6rem 1.7rem;
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.06);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: transform 0.22s ease, box-shadow 0.22s ease, background-color 0.22s ease;
}

.how-step:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.10);
  background-color: #fffffffa;
}

.how-step h3 {
  font-size: 1.05rem;
}

.how-step p {
  font-size: 0.95rem;
  line-height: 1.5;
  color: var(--color-text-muted);
}

/* Number badge */
.how-step-number {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  background: var(--color-seafoam);
  color: var(--color-deep-teal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.9rem;
}

/* Reveal animation (if not already defined globally) */
.reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.35s ease, transform 0.35s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Global smooth scrolling for anchor-like behaviour */
html {
  scroll-behavior: smooth;
}

/* LEARN PAGE
   ============================================= */

.section-learn-main {
  background: linear-gradient(
      180deg,
      rgba(131, 197, 190, 0.10) 0%,
      rgba(237, 246, 249, 0.85) 260px,
      #edf6f9 100%
  );
  padding-top: 4rem;
  padding-bottom: 4rem;
}

.learn-hero-surface {
  background: rgba(255, 255, 255, 0.92);
  border-radius: 24px;
  padding: 2.25rem 2.25rem 1.75rem;
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.08);
  backdrop-filter: blur(10px);
}

.learn-hero-header h2 {
  font-size: clamp(2.1rem, 2.5vw, 2.5rem);
}

.learn-hero-header p {
  max-width: 640px;
}

/* Topic pill nav */

.learn-topic-nav {
  margin-top: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
}

.learn-topic-pill {
  border: 1px solid rgba(148, 163, 184, 0.45);
  background: #ffffff;
  border-radius: 999px;
  padding: 0.55rem 1.2rem;
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 0.01em;
  color: #1f2933;
  cursor: pointer;
  box-shadow: 0 10px 25px rgba(15, 23, 42, 0.04);
  transition: background-color 0.18s ease, color 0.18s ease,
              box-shadow 0.18s ease, transform 0.18s ease, border-color 0.18s ease;
}

.learn-topic-pill:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 30px rgba(15, 23, 42, 0.08);
  border-color: rgba(0, 109, 119, 0.35);
}

.learn-topic-pill.is-active {
  background: #006d77;
  color: #ffffff;
  border-color: #006d77;
  box-shadow: 0 14px 32px rgba(0, 109, 119, 0.35);
}

/* Topic blocks */

.learn-topics {
  margin-top: 3rem;
}

.learn-topic-block + .learn-topic-block {
  margin-top: 2.0rem;
}

.learn-topic-header {
  margin-bottom: 1.5rem;
}

.learn-topic-kicker {
  font-size: 0.8rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: 0.35rem;
}

.learn-topic-header h3 {
  font-size: clamp(1.6rem, 2vw, 1.9rem);
  margin-bottom: 0.4rem;
}

/* Cards */

.learn-card-content {
  margin-top: 0.5rem;
}

.learn-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 260px;
  padding: 1.6rem 1.7rem 1.5rem;
  border-radius: 20px;
  box-shadow: 0 12px 32px rgba(15, 23, 42, 0.05);
  transition: transform 0.22s ease, box-shadow 0.22s ease, background-color 0.22s ease;
}

.learn-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.10);
  background-color: #ffffffF2;
}

/* Card meta: level + read time */

.learn-card-meta {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.8rem;
  color: var(--color-text-muted);
  margin-bottom: 0.45rem;
}

.learn-card-level {
  display: inline-flex;
  align-items: center;
  padding: 0.15rem 0.55rem;
  border-radius: 999px;
  background: rgba(131, 197, 190, 0.20);
  color: #006d77;
  font-weight: 500;
}

.learn-card-time {
  opacity: 0.9;
}

/* How-to grid keeps your existing style, just tighten spacing a bit */

.section-learn-how {
  background: #ffffff;
  padding-top: 3.5rem;
  padding-bottom: 4rem;
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.75rem;
  margin-top: 1.75rem;
}

.how-step {
  background: #ffffff;
  border-radius: 20px;
  padding: 1.6rem 1.7rem;
  box-shadow: 0 12px 32px rgba(15, 23, 42, 0.05);
  transition: transform 0.22s ease, box-shadow 0.22s ease, background-color 0.22s ease;
}

.how-step:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.10);
}

.how-step-number {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #006d77;
  color: #ffffff;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 0.75rem;
}

/* Reveal animation (re-affirm; you already use this elsewhere) */
.reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Responsive tweaks */

@media (max-width: 900px) {
  .learn-hero-surface {
    padding: 1.8rem 1.4rem 1.5rem;
    border-radius: 20px;
  }

  .learn-topic-nav {
    gap: 0.6rem;
  }

  .learn-topic-pill {
    width: 100%;
    justify-content: center;
  }

  .learn-topic-block + .learn-topic-block {
    margin-top: 2.0rem;
  }

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

/* =========================================================
   HOME HERO – premium fintech treatment
   ====================================================== */

.hero.hero-home {
  background: radial-gradient(circle at top left, #ffffff 0, #edf6f9 45%, #e2f1f5 100%);
  border-bottom: 1px solid rgba(199, 214, 221, 0.7);
}

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
  align-items: center;
  gap: 3rem;
  padding-block: 3.5rem;
}

.hero-text h1 {
  font-size: clamp(2.4rem, 3vw + 1.6rem, 3.2rem);
  line-height: 1.15;
  margin-bottom: 1rem;
}

.hero-tagline {
  font-size: 1rem;
  line-height: 1.7;
  max-width: 36rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.15rem 0.8rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(199, 214, 221, 0.8);
  color: var(--color-text-muted);
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  margin-bottom: 0.9rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 1.4rem;
}

.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.6rem;
  margin-top: 1.4rem;
  font-size: 0.86rem;
  color: var(--color-text-muted);
}

.hero-meta li {
  position: relative;
  padding-left: 1.1rem;
}

.hero-meta li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45rem;
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: var(--color-deep-teal);
}

/* Hero visual */
.hero-visual {
  display: flex;
  justify-content: flex-end;
}

.hero-photo {
  max-width: 520px;
  width: 100%;
  border-radius: 26px;
  padding: 0.55rem;
  background: linear-gradient(135deg, rgba(131,197,190,0.45), rgba(0,109,119,0.08));
  box-shadow: 0 24px 60px rgba(15, 23, 42, 0.18);
}

.hero-photo img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 22px;
  object-fit: cover;
}

/* =========================================================
   HOW IT WORKS
   ====================================================== */

.section-how {
  background: #ffffff;
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.how-step {
  background: #ffffff;
  border-radius: 20px;
  padding: 1.6rem 1.7rem;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(199, 214, 221, 0.7);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.how-step:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 32px rgba(15, 23, 42, 0.15);
  border-color: rgba(0, 109, 119, 0.15);
}

.how-step-number {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--color-deep-teal);
  color: #ffffff;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 0.85rem;
}

/* =========================================================
   SEO CALLOUT
   ====================================================== */

.section-seo-callout {
  padding-top: 1.5rem;
  padding-bottom: 0.5rem;
}

.seo-callout {
  border-radius: 18px;
  padding: 1.1rem 1.4rem;
  background: rgba(255, 255, 255, 0.9);
  border: 1px dashed rgba(199, 214, 221, 0.9);
  font-size: 0.9rem;
  line-height: 1.6;
}

.seo-callout a {
  font-weight: 500;
  color: var(--color-deep-teal);
}

/* =========================================================
   AUDIENCE SECTION
   ====================================================== */

.section-audience {
  background: #f4f9fb;
}

.audience-grid {
  margin-top: 2rem;
}

.audience-card {
  padding-top: 1.7rem;
  padding-bottom: 1.7rem;
}

/* =========================================================
   TOOLS PREVIEW
   ====================================================== */

.section-tools-highlight {
  background: #ffffff;
}

.tools-grid {
  margin-top: 2rem;
}

.tool-card {
  text-align: left;
}

.card-icon-shell {
  width: 80px;
  height: 80px;
  border-radius: 24px;
  margin-bottom: 1.2rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(0, 109, 119, 0.06);
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 20px;
  display: block;
}

/* =========================================================
   RESPONSIVE TWEAKS
   ====================================================== */

@media (max-width: 960px) {
  .hero-inner {
    grid-template-columns: minmax(0, 1fr);
    gap: 2.5rem;
    padding-block: 2.6rem;
  }

  .hero-visual {
    order: -1;
    justify-content: center;
  }

  .hero-photo {
    max-width: 460px;
  }

  .how-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media (max-width: 640px) {
  .hero-meta {
    flex-direction: column;
  }

  .audience-grid,
  .tools-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}

/* ========== HOMEPAGE HERO ========== */

.hero {
  padding: 4.75rem 0 4.5rem;
  background: radial-gradient(circle at 80% 0,
              rgba(131, 197, 190, 0.20) 0,
              rgba(237, 246, 249, 0.0) 55%),
              var(--color-bg);
}

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
  align-items: center;
  gap: 3.5rem;
}

/* Text side */

.hero-text {
  max-width: 640px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.3rem 0.85rem;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  background: rgba(255, 255, 255, 0.85);
  color: var(--color-deep-teal);
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.06);
  margin-bottom: 1.25rem;
}

.hero h1 {
  font-size: clamp(2.4rem, 3vw + 1.5rem, 3.3rem);
  line-height: 1.08;
  margin-bottom: 1.1rem;
  color: #0b2538;
}

.hero-tagline {
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--color-text-muted);
  max-width: 36rem;
  margin-bottom: 1.75rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-bottom: 1.1rem;
}

/* Small trust bullets under buttons */

.hero-trust-points {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin: 0;
  padding: 0;
  list-style: none;
  font-size: 0.9rem;
  color: var(--color-text-muted);
}

.hero-trust-points li {
  position: relative;
  padding-left: 1.1rem;
}

.hero-trust-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 0.4rem;
  height: 0.4rem;
  border-radius: 999px;
  background: var(--color-seafoam);
}

/* Image side */

.hero-visual {
  display: flex;
  justify-content: flex-end;
}

.hero-photo-frame {
  position: relative;
  border-radius: 28px;
  padding: 0.55rem;
  background: linear-gradient(135deg, #d7f1ee, #ffffff);
  box-shadow: 0 26px 55px rgba(15, 23, 42, 0.18);
}

.hero-photo-frame::after {
  content: "";
  position: absolute;
  inset: -18px -26px auto auto;
  background: radial-gradient(circle at 100% 0,
    rgba(0, 109, 119, 0.16), rgba(0, 109, 119, 0));
  opacity: 0.9;
  pointer-events: none;
  border-radius: 999px;
}

.hero-photo-inner {
  border-radius: 22px;
  overflow: hidden;
  background: #000;
}

.hero-photo-inner img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
}

/* Slight hover to make it feel “live” but not gimmicky */
.hero-photo-frame {
  transition: transform 0.35s ease, box-shadow 0.35s ease;
  will-change: transform, box-shadow;
}

.hero-photo-frame:hover {
  transform: translateY(-4px);
  box-shadow: 0 32px 70px rgba(15, 23, 42, 0.22);
}

/* ========== HOW IT WORKS (spacing + compact cards) ========== */

.section-how {
  padding-top: 3.25rem;
  padding-bottom: 3.75rem;
}

.section-how .section-header {
  max-width: 680px;
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.75rem; /* was larger – this tightens horizontally and vertically */
}

.how-step--compact {
  padding: 1.6rem 1.8rem 1.7rem;
}

.how-step-number {
  width: 2rem;
  height: 2rem;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  font-weight: 600;
  background: var(--color-deep-teal);
  color: #ffffff;
  margin-bottom: 0.9rem;
}

.how-step h3 {
  font-size: 1.12rem;
  margin-bottom: 0.6rem;
}

.how-step p {
  font-size: 0.96rem;
  line-height: 1.55;
  color: var(--color-text-muted);
}

/* ========== REVEAL ANIMATION (keep it snappy) ========== */

.reveal {
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 0.28s ease-out, transform 0.28s ease-out;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ========== RESPONSIVE ========== */

@media (max-width: 900px) {
  .hero {
    padding: 3.25rem 0 3.1rem;
  }

  .hero-inner {
    grid-template-columns: minmax(0, 1fr);
    gap: 2.2rem;
  }

  .hero-visual {
    justify-content: center;
  }

  .hero-text {
    order: 1;
  }

  .hero-visual {
    order: 2;
  }

  .hero-photo-frame {
    max-width: 520px;
    margin: 0 auto;
  }

  .hero-trust-points {
    flex-direction: column;
    gap: 0.5rem;
  }

  .how-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .how-step--compact {
    padding: 1.4rem 1.5rem 1.5rem;
  }
}

.how-step-number {
  width: 2.75rem;
  height: 2.75rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;

  background: var(--color-deep-teal);
  color: #ffffff;

  font-size: 1.15rem;
  font-weight: 600;

  margin-bottom: 1.2rem;

  /* subtle premium glow ring */
  box-shadow:
    0 2px 4px rgba(0, 0, 0, 0.07),
    0 0 0 3px rgba(0, 109, 119, 0.10);
}

.how-step-number {
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.how-step:hover .how-step-number {
  transform: translateY(-3px);
  box-shadow:
    0 4px 12px rgba(0, 0, 0, 0.12),
    0 0 0 4px rgba(0, 109, 119, 0.18);
}

/* HOW-STEP CARD TITLES */
.how-step h3 {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: 0.75rem;
  letter-spacing: 0.2px;
  line-height: 1.3;
}

.how-step h3 {
  text-shadow: 0 1px 1px rgba(0, 0, 0, 0.03);
}

.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.75rem;
  align-items: stretch;
}

.site-logo img {
  width: 150px;   /* perfect size for FinForFam */
  height: auto;
  display: block;
}

/* Contact page layout */
.contact-layout {
  display: grid;
  gap: 3rem;
  align-items: flex-start;
}

.contact-intro .lead {
  max-width: 34rem;
}

.contact-direct {
  margin-top: 1.5rem;
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-lg, 20px);
  background: rgba(0, 109, 119, 0.04);
  border: 1px solid var(--color-border, #c7d6dd);
}

.contact-label {
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
  margin-bottom: 0.25rem;
  color: var(--color-text-muted, #5a5f5c);
}

.contact-note {
  margin-top: 0.75rem;
  font-size: 0.9rem;
  color: var(--color-text-muted, #5a5f5c);
}

.contact-form-card {
  background: var(--color-surface, #ffffff);
  border-radius: var(--radius-lg, 20px);
  box-shadow: var(--shadow-soft, 0 8px 22px rgba(15, 23, 42, 0.08));
  padding: 2rem;
}

.contact-form-card h2 {
  margin-top: 0;
  margin-bottom: 1.25rem;
}

/* Form controls */
.field-group {
  margin-bottom: 1.2rem;
}

.field-group label {
  display: block;
  font-weight: 600;
  font-size: 0.95rem;
  margin-bottom: 0.35rem;
}

.field-group input,
.field-group select,
.field-group textarea {
  width: 100%;
  border-radius: var(--radius-md, 12px);
  border: 1px solid var(--color-border, #c7d6dd);
  padding: 0.7rem 0.85rem;
  font-size: 1rem;
  font-family: inherit;
  outline: none;
  background: #ffffff;
}

.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  border-color: var(--color-deep-teal, #006d77);
  box-shadow: 0 0 0 1px rgba(0, 109, 119, 0.08);
}

.field-inline {
  display: flex;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.85rem;
}

.checkbox-label input[type="checkbox"] {
  margin-top: 0.15rem;
}

.button-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.75rem 1.6rem;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  font-weight: 600;
  font-size: 1rem;
  background: var(--color-deep-teal, #006d77);
  color: #ffffff;
  transition: transform 120ms ease, box-shadow 120ms ease, background 120ms ease;
}

.button-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 24px rgba(0, 109, 119, 0.25);
}

.button-primary:active {
  transform: translateY(0);
  box-shadow: 0 4px 10px rgba(0, 109, 119, 0.15);
}

.micro-copy {
  margin-top: 0.75rem;
  font-size: 0.8rem;
  color: var(--color-text-muted, #5a5f5c);
}

.section-contact-reasons h2 {
  margin-bottom: 0.75rem;
}

.contact-reasons {
  list-style: disc;
  padding-left: 1.4rem;
  max-width: 38rem;
  color: var(--color-text-muted, #5a5f5c);
}

.contact-reasons li + li {
  margin-top: 0.35rem;
}

/* Responsive */
@media (max-width: 768px) {
  .contact-layout {
    grid-template-columns: 1fr;
  }

  .contact-form-card {
    padding: 1.4rem;
  }
}

/* Make the contact hero sit a bit higher on the page */
.section.contact-hero {
  padding-top: 3.5rem;
  padding-bottom: 2.5rem;
}

/* Slightly tighter email box */
.contact-direct {
  padding-block: 1rem;
}

/* Highlight active nav link (optional, but nice) */
.nav-link-current {
  color: var(--color-deep-teal);
  font-weight: 600;
}

.success-banner {
  background: rgba(0, 109, 119, 0.06);
  border-bottom: 1px solid var(--color-border, #c7d6dd);
  padding: 0.75rem 0;
}

.success-banner p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--color-deep-teal, #006d77);
  font-weight: 500;
}

/* Checkbox row – premium alignment */
.field-inline {
  margin-top: 1rem;
}

/* Force checkbox + text to stay on the same horizontal line */
.checkbox-label {
  display: flex !important;
  flex-direction: row !important;
  align-items: center !important;
  gap: 0.55rem;
  margin: 0;
  padding: 0;
  line-height: 1.45;
  color: var(--color-text-muted);
}

/* Keep checkbox crisp + aligned */
.checkbox-label input[type="checkbox"] {
  width: 1rem;
  height: 1rem;
  flex-shrink: 0;
  accent-color: var(--color-deep-teal);
  margin: 0 !important;
  padding: 0 !important;
}

/* Prevent text from dropping down under the checkbox */
.checkbox-label span {
  display: inline-block !important;
}