/* ============================================================
   LoanPayCal — Global Standardized Stylesheet
   Version: 2.0 | Color: #165F8A Deep Sea Finance Blue
   ============================================================ */

/* === CSS Variables === */
:root {
  --primary: #165F8A;
  --primary-50: #E8F1F8;
  --primary-100: #C5DFEF;
  --primary-200: #8ABFDE;
  --primary-400: #3D8AB5;
  --primary-600: #165F8A;
  --primary-700: #124C6E;
  --primary-800: #0E3952;

  --slate-50: #F8FAFC;
  --slate-100: #F1F5F9;
  --slate-200: #E2E8F0;
  --slate-300: #CBD5E1;
  --slate-400: #94A3B8;
  --slate-500: #64748B;
  --slate-600: #475569;
  --slate-700: #334155;
  --slate-800: #1E293B;
  --slate-900: #0F172A;

  --emerald: #059669;
  --emerald-50: #ECFDF5;
  --emerald-200: #A7F3D0;
  --amber-500: #D97706;
  --amber-600: #B45309;
  --red-500: #EF4444;

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;

  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 4px 12px rgba(22, 95, 138, 0.08);
  --shadow-lg: 0 6px 18px rgba(22, 95, 138, 0.12);
}

/* === Dark Theme Variables === */
[data-theme="dark"] {
  --primary: #3D8AB5;
  --primary-50: #0E3952;
  --primary-100: #124C6E;
  --primary-200: #165F8A;
  --primary-400: #8ABFDE;
  --primary-600: #3D8AB5;
  --primary-700: #C5DFEF;
  --primary-800: #E8F1F8;

  --slate-50: #0F172A;
  --slate-100: #1E293B;
  --slate-200: #334155;
  --slate-300: #475569;
  --slate-400: #64748B;
  --slate-500: #94A3B8;
  --slate-600: #CBD5E1;
  --slate-700: #E2E8F0;
  --slate-800: #F1F5F9;
  --slate-900: #F8FAFC;

  --emerald: #059669;
  --emerald-50: #064E3B;
  --emerald-200: #34D399;

  --shadow-sm: 0 1px 2px rgba(0,0,0,0.2);
  --shadow: 0 4px 12px rgba(0,0,0,0.3);
  --shadow-lg: 0 6px 18px rgba(0,0,0,0.4);
}

[data-theme="dark"] body {
  background: #0F172A !important;
  color: #CBD5E1 !important;
}

[data-theme="dark"] header {
  background: #1E293B !important;
  border-bottom-color: rgba(255,255,255,0.08) !important;
}

/* Hero section — force readable colors over any gradient */
[data-theme="dark"] .hero {
  background: linear-gradient(135deg, #0E3952 0%, #164E63 100%) !important;
}
[data-theme="dark"] .hero h1 { color: #F1F5F9 !important; }
[data-theme="dark"] .hero p { color: #94A3B8 !important; }
[data-theme="dark"] .hero .badge { color: #E2E8F0 !important; }

/* Content / SEO text */
[data-theme="dark"] .content-section h2,
[data-theme="dark"] .content-section h3 { color: #E2E8F0 !important; }
[data-theme="dark"] .content-section p,
[data-theme="dark"] .content-section ul,
[data-theme="dark"] .content-section li,
[data-theme="dark"] .content-section ol { color: #94A3B8 !important; }

/* Calculator & card containers */
[data-theme="dark"] .calculator-box,
[data-theme="dark"] .result-card,
[data-theme="dark"] .info-box,
[data-theme="dark"] .gov-links,
[data-theme="dark"] .cross-links {
  background: #1E293B !important;
  border-color: rgba(255,255,255,0.08) !important;
}
[data-theme="dark"] .info-box { background: #0E3952 !important; border-color: #165F8A !important; }

/* Form elements */
[data-theme="dark"] input[type="number"],
[data-theme="dark"] input[type="text"],
[data-theme="dark"] select {
  background: #0F172A !important;
  border-color: rgba(255,255,255,0.12) !important;
  color: #E2E8F0 !important;
}
[data-theme="dark"] .form-group label { color: #CBD5E1 !important; }
[data-theme="dark"] .input-row input[type="number"]:focus,
[data-theme="dark"] .input-row select:focus {
  box-shadow: 0 0 0 3px rgba(61, 138, 181, 0.25) !important;
}

/* Toggle buttons */
[data-theme="dark"] .toggle-group { border-color: rgba(255,255,255,0.12) !important; }
[data-theme="dark"] .toggle-group button { background: #0F172A !important; color: #94A3B8 !important; }
[data-theme="dark"] .toggle-group button.active { background: #3D8AB5 !important; color: #0F172A !important; }

/* Tool cards */
[data-theme="dark"] .tool-card { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .tool-card .tool-name { color: #E2E8F0 !important; }
[data-theme="dark"] .tool-card .tool-desc { color: #94A3B8 !important; }

/* Compare cards */
[data-theme="dark"] .compare-card { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }

/* Dropdown menu */
[data-theme="dark"] .nav-drop-menu { background: #1E293B !important; border-color: rgba(255,255,255,0.1) !important; box-shadow: 0 6px 18px rgba(0,0,0,0.5) !important; }
[data-theme="dark"] .nav-drop-menu a { color: #CBD5E1 !important; }
[data-theme="dark"] .nav-drop-menu a:hover { color: #93C5FD !important; background: rgba(255,255,255,0.06) !important; }

/* Print / table buttons */
[data-theme="dark"] .print-btn { background: #0F172A !important; border-color: rgba(255,255,255,0.12) !important; color: #94A3B8 !important; }
[data-theme="dark"] .table-controls button { background: #0F172A !important; border-color: rgba(255,255,255,0.12) !important; color: #94A3B8 !important; }

/* FAB floating buttons */
[data-theme="dark"] .fab-item { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; color: #CBD5E1 !important; box-shadow: 0 2px 8px rgba(0,0,0,0.4) !important; }

/* Static pages */
[data-theme="dark"] .static-main { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .static-main h1 { color: #F1F5F9 !important; }
[data-theme="dark"] .static-main h2 { color: #E2E8F0 !important; }
[data-theme="dark"] .static-main h3 { color: #CBD5E1 !important; }
[data-theme="dark"] .static-main p,
[data-theme="dark"] .static-main ul,
[data-theme="dark"] .static-main ol,
[data-theme="dark"] .static-main li { color: #94A3B8 !important; }
[data-theme="dark"] .static-main strong { color: #E2E8F0 !important; }

/* FAQ */
[data-theme="dark"] .faq-item { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .faq-item .faq-q { color: #E2E8F0 !important; }
[data-theme="dark"] .faq-item .faq-a { color: #94A3B8 !important; }

/* Footer */
[data-theme="dark"] footer {
  background: #0F172A !important;
}
[data-theme="dark"] footer .footer-label { color: #64748B !important; }
[data-theme="dark"] footer nav a { color: #64748B !important; }
[data-theme="dark"] footer p { color: #64748B !important; }

/* Nav links — use explicit light colors (dark mode overrides --slate vars to dark values) */
[data-theme="dark"] header nav > a,
[data-theme="dark"] header nav > .nav-dropdown { color: #CBD5E1 !important; }
[data-theme="dark"] header nav > a:hover,
[data-theme="dark"] header nav > .nav-dropdown:hover { color: #93C5FD !important; background: rgba(255,255,255,0.06) !important; }
[data-theme="dark"] header nav > a.active { color: #93C5FD !important; }

/* Logo in dark mode */
[data-theme="dark"] .logo { color: #93C5FD !important; }
[data-theme="dark"] .logo span { color: #E2E8F0 !important; }
[data-theme="dark"] .logo .tld { color: #94A3B8 !important; }
[data-theme="dark"] .logo svg { fill: #93C5FD !important; }

/* Cross-links headings */
[data-theme="dark"] .cross-links h3 { color: #93C5FD !important; }
[data-theme="dark"] .cross-links ul { color: #93C5FD !important; }

/* Theme toggle button */
[data-theme="dark"] .nav-theme-btn {
  border-color: rgba(255,255,255,0.12) !important;
  background: #0F172A !important;
}

/* Result cards */
[data-theme="dark"] .result-card.total { background: #1E3A5F !important; color: #E2E8F0 !important; }

/* Chart sections */
[data-theme="dark"] .chart-section { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .chart-section h3 { color: #E2E8F0 !important; }

/* Tables */
[data-theme="dark"] table { background: #1E293B !important; }
[data-theme="dark"] th { background: #0F172A !important; color: #CBD5E1 !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] td { border-color: rgba(255,255,255,0.08) !important; color: #94A3B8 !important; }
[data-theme="dark"] tbody tr:hover { background: #334155 !important; }

/* Links general */
[data-theme="dark"] a { color: #8ABFDE !important; }

/* === Page-specific inline-style dark overrides === */

/* Index / PITI Calculator */
[data-theme="dark"] .tabs-wrapper { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .amort-section { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .extra-payment { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }

/* Refinance */
[data-theme="dark"] .compare-table-section { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }

/* Rent vs Buy */
[data-theme="dark"] .rvb-result { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .rvb-card { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; color: #CBD5E1 !important; }

/* Closing Costs (uses --gray-* variables, fallback safe) */
[data-theme="dark"] .card,
[data-theme="dark"] .metric-card,
[data-theme="dark"] .chart-wrap { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; box-shadow: 0 4px 12px rgba(0,0,0,0.3) !important; }
[data-theme="dark"] .fee-input,
[data-theme="dark"] .fee-input.editable { background: #0F172A !important; color: #E2E8F0 !important; border-color: rgba(255,255,255,0.12) !important; }
[data-theme="dark"] .form-group input:not([type="range"]):not([type="checkbox"]),
[data-theme="dark"] .form-group select { background: #0F172A !important; color: #E2E8F0 !important; border-color: rgba(255,255,255,0.12) !important; }

/* Shared across pages */
[data-theme="dark"] .related-tool-card { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .mini-faq { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }

/* Catch-all: any remaining white/gray backgrounds */
[data-theme="dark"] .result-hero { background: linear-gradient(135deg, #164E63 0%, #0E3952 100%) !important; }
[data-theme="dark"] .site-footer { background: #0F172A !important; }
[data-theme="dark"] .breakdown-table .cat-header td { background: #1E293B !important; color: #E2E8F0 !important; }
[data-theme="dark"] .fee-input.fixed { background: #334155 !important; color: #94A3B8 !important; }

/* === Down Payment page (uses own --surface/--bg variable system) === */
[data-theme="dark"] body { background: #0F172A !important; color: #CBD5E1 !important; }
[data-theme="dark"] .insight-box { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .insight-box h4 { color: #93C5FD !important; }
[data-theme="dark"] .insight-box li { color: #94A3B8 !important; border-color: rgba(255,255,255,0.06) !important; }
[data-theme="dark"] .metric-card { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .metric-card .label { color: #94A3B8 !important; }
[data-theme="dark"] .metric-card .value { color: #F1F5F9 !important; }
[data-theme="dark"] .metric-card .sub { color: #64748B !important; }
[data-theme="dark"] .metric-card.highlight { border-color: #3D8AB5 !important; background: #0E3952 !important; }
[data-theme="dark"] .metric-card.warning { border-color: #D97706 !important; background: #451A03 !important; }
[data-theme="dark"] .metric-card.good { border-color: #059669 !important; background: #022C22 !important; }
[data-theme="dark"] .pmi-notice.info { background: #0E3952 !important; border-color: #165F8A !important; color: #93C5FD !important; }
[data-theme="dark"] .pmi-notice.warn { background: #451A03 !important; border-color: #D97706 !important; color: #FCD34D !important; }
[data-theme="dark"] .dp-slider-wrap,
[data-theme="dark"] .dp-slider-section { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .dp-compare-row td { background: #1E293B !important; border-color: rgba(255,255,255,0.06) !important; color: #94A3B8 !important; }
[data-theme="dark"] .dp-compare-row th { background: #0F172A !important; color: #CBD5E1 !important; border-color: rgba(255,255,255,0.08) !important; }

/* === Closing Costs page (uses own --gray-* variable system) === */
[data-theme="dark"] .card-title { color: #F1F5F9 !important; }
[data-theme="dark"] .form-label { color: #CBD5E1 !important; }
[data-theme="dark"] .form-label .hint { color: #64748B !important; }
[data-theme="dark"] .input-prefix,
[data-theme="dark"] .input-suffix { color: #94A3B8 !important; }
[data-theme="dark"] .toggle-row label { color: #94A3B8 !important; }
[data-theme="dark"] .fee-section-title { color: #94A3B8 !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .fee-label { color: #CBD5E1 !important; }
[data-theme="dark"] .fee-type { color: #64748B !important; }
[data-theme="dark"] .check-row { color: #94A3B8 !important; }
[data-theme="dark"] .metric-card .metric-label { color: #64748B !important; }
[data-theme="dark"] .metric-card .metric-value { color: #F1F5F9 !important; }
[data-theme="dark"] .metric-card .metric-sub { color: #64748B !important; }
[data-theme="dark"] .breakdown-table th { background: #0F172A !important; color: #64748B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .breakdown-table td { border-color: rgba(255,255,255,0.06) !important; color: #CBD5E1 !important; }
[data-theme="dark"] .breakdown-table .total-row { border-color: rgba(255,255,255,0.12) !important; }
[data-theme="dark"] .related-tool-card .tool-desc { color: #64748B !important; }
[data-theme="dark"] .footer-bottom { border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .footer-col a { color: #64748B !important; }
/* Reset button in Closing Costs */
[data-theme="dark"] button[style*="var(--gray-100)"],
[data-theme="dark"] #btnReset { background: #334155 !important; color: #CBD5E1 !important; border-color: rgba(255,255,255,0.12) !important; }
/* Cash-to-close summary bar */
[data-theme="dark"] p[style*="var(--gray-100)"] { background: #1E293B !important; color: #CBD5E1 !important; }
/* Fee type inline spans */
[data-theme="dark"] span[style*="var(--gray-400)"] { color: #64748B !important; }

/* === Reset & Base === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  color: var(--slate-800);
  background: var(--slate-50);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

/* === Layout Container (1200px unified max-width) === */
.container {
  max-width: 1200px;
  width: 92%;
  margin: 0 auto;
  padding: 0 12px;
}

/* === Breadcrumb Bar (unified across all pages) === */
.breadcrumb-bar {
  background: var(--slate-100);
  border-bottom: 1px solid var(--slate-200);
  padding: 8px 0;
}
[data-theme="dark"] .breadcrumb-bar {
  background: #131C2E;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

/* === Header / Navigation (3-row layout) === */
header.site-header {
  background: rgba(255,255,255,0.97) !important;
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(0,0,0,0.08) !important;
  position: sticky !important;
  top: 0 !important;
  z-index: 100 !important;
  padding: 0 !important;
}

/* Row 1 - logo bar only */
header.site-header .nav-row-top { border-bottom: 1px solid rgba(0,0,0,0.04); }
header.site-header .nav-top-inner {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  padding: 10px 0 !important;
}
header.site-header .logo-link { text-decoration: none !important; color: inherit; display: inline-flex; align-items: center; }
header.site-header .logo {
  font-size: 22px !important; font-weight: 700 !important; color: var(--primary) !important;
  white-space: nowrap; cursor: pointer; display: inline-flex !important; align-items: center !important;
}
header.site-header .logo svg { width: 22px; height: 22px; fill: var(--primary); flex-shrink: 0; margin-right: 6px; }
header.site-header .logo > span:first-of-type { margin-left: -0.05em; }
header.site-header .logo span { color: var(--slate-800); font-weight: 400; }
header.site-header .logo .tld { color: var(--slate-400); font-weight: 400; font-size: 1em; }
header.site-header .nav-top-right { display: flex !important; align-items: center !important; gap: 10px !important; }

/* Hamburger */
header.site-header .hamburger {
  display: none; flex-direction: column; gap: 5px; background: none; border: none;
  cursor: pointer; padding: 8px; z-index: 101;
}
header.site-header .hamburger span { display: block; width: 24px; height: 2px; background: var(--slate-700); transition: 0.25s; border-radius: 2px; }
header.site-header .hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
header.site-header .hamburger.open span:nth-child(2) { opacity: 0; }
header.site-header .hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* Row 2 - primary calculators nav (CENTERED) */
header.site-header .nav-primary { background: #FFFFFF !important; border-bottom: 1px solid rgba(0,0,0,0.06) !important; }
header.site-header .nav-primary .container {
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 4px !important;
  padding: 8px 0 !important;
  flex-wrap: wrap !important;
}
header.site-header .nav-primary > .container > a {
  font-size: 13px !important;
  color: var(--slate-600) !important;
  text-decoration: none !important;
  font-weight: 500 !important;
  white-space: nowrap;
  transition: color 0.15s, background 0.15s;
  padding: 6px 10px !important;
  border-radius: var(--radius-sm);
  display: inline-flex !important;
  align-items: center !important;
  gap: 5px !important;
  border-bottom: 2px solid transparent !important;
  line-height: 1 !important;
}
header.site-header .nav-primary > .container > a:hover {
  color: var(--primary) !important; background: var(--primary-50) !important;
}
header.site-header .nav-primary > .container > a.active {
  color: var(--primary) !important;
  font-weight: 600 !important;
  background: var(--primary-50) !important;
  border-bottom-color: var(--primary) !important;
  box-shadow: 0 1px 2px rgba(22, 95, 138, 0.12);
}

/* Row 3 - secondary states & resources nav (CENTERED + moon btn) */
header.site-header .nav-secondary { background: var(--primary-50) !important; }
header.site-header .nav-secondary .container {
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 4px !important;
  padding: 7px 0 !important;
  flex-wrap: wrap !important;
}
header.site-header .nav-secondary > .container > a {
  font-size: 12px !important;
  color: var(--slate-600) !important;
  text-decoration: none !important;
  font-weight: 500 !important;
  white-space: nowrap;
  transition: color 0.15s, background 0.15s;
  padding: 5px 9px !important;
  border-radius: var(--radius-sm);
  display: inline-flex !important;
  align-items: center !important;
  gap: 4px !important;
  line-height: 1 !important;
}
header.site-header .nav-secondary > .container > a:hover {
  color: var(--primary) !important; background: rgba(255,255,255,0.6) !important;
}
header.site-header .nav-secondary > .container > a.active {
  color: var(--primary) !important;
  font-weight: 600 !important;
  background: #FFFFFF !important;
  border-bottom-color: var(--primary) !important;
  box-shadow: 0 1px 2px rgba(22, 95, 138, 0.1);
}

/* Nav icon & inner wrapper alignment */
.nav-item-with-icon {
  display: inline-flex !important;
  align-items: center !important;
  gap: 4px !important;
  line-height: 1 !important;
}
.nav-icon {
  width: 15px; height: 15px; flex-shrink: 0;
  display: block;
  vertical-align: middle;
  opacity: 0.75;
}
header.site-header .nav-primary > .container > a:hover .nav-icon,
header.site-header .nav-primary > .container > a.active .nav-icon,
header.site-header .nav-secondary > .container > a:hover .nav-icon,
header.site-header .nav-secondary > .container > a.active .nav-icon { opacity: 1; }

/* Theme toggle in row 3 (next to Disclaimer) */
header.site-header .nav-theme-btn-inline {
  background: none; border: 1px solid var(--slate-200); border-radius: 50%;
  width: 30px; height: 30px; display: inline-flex !important; align-items: center !important;
  justify-content: center !important; cursor: pointer; font-size: 16px; line-height: 1;
  transition: background 0.2s ease, border-color 0.2s ease; margin-left: 4px; vertical-align: middle;
}
header.site-header .nav-theme-btn-inline:hover { background: var(--primary-200); border-color: var(--primary-300); }

/* Dark mode nav */
[data-theme="dark"] header.site-header { background: #0F172A !important; border-bottom-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] header.site-header .logo { color: #93C5FD !important; }
[data-theme="dark"] header.site-header .logo span { color: #E2E8F0 !important; }
[data-theme="dark"] header.site-header .logo .tld { color: #94A3B8 !important; }
[data-theme="dark"] header.site-header .logo svg { fill: #93C5FD !important; }
[data-theme="dark"] header.site-header .nav-primary { background: #1E293B !important; border-bottom-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] header.site-header .nav-primary > .container > a { color: #CBD5E1 !important; }
[data-theme="dark"] header.site-header .nav-primary > .container > a:hover { color: #93C5FD !important; background: rgba(255,255,255,0.06) !important; }
[data-theme="dark"] header.site-header .nav-primary > .container > a.active { color: #93C5FD !important; background: rgba(147,197,253,0.12) !important; border-bottom-color: #93C5FD !important; }
[data-theme="dark"] header.site-header .nav-secondary > .container > a.active { color: #93C5FD !important; background: rgba(147,197,253,0.15) !important; border-bottom-color: #93C5FD !important; }
[data-theme="dark"] header.site-header .nav-secondary { background: #16263A !important; }
[data-theme="dark"] header.site-header .nav-secondary > .container > a { color: #94A3B8 !important; }
[data-theme="dark"] header.site-header .nav-secondary > .container > a:hover { color: #93C5FD !important; background: rgba(255,255,255,0.06) !important; }
[data-theme="dark"] header.site-header .nav-theme-btn-inline { border-color: rgba(255,255,255,0.15) !important; background: #1E293B !important; }
[data-theme="dark"] header.site-header .nav-theme-btn-inline:hover { background: #334155 !important; }
[data-theme="dark"] header.site-header .hamburger span { background: #CBD5E1 !important; }
[data-theme="dark"] .nav-icon { opacity: 0.65; }
[data-theme="dark"] header.site-header .nav-primary > .container > a:hover .nav-icon,
[data-theme="dark"] header.site-header .nav-primary > .container > a.active .nav-icon,
[data-theme="dark"] header.site-header .nav-secondary > .container > a:hover .nav-icon,
[data-theme="dark"] header.site-header .nav-secondary > .container > a.active .nav-icon { opacity: 1; }

/* Mobile - collapse rows 2 & 3 */
@media (max-width: 900px) {
  header.site-header .hamburger { display: flex !important; }
  header.site-header .nav-primary .container,
  header.site-header .nav-secondary .container {
    flex-direction: column !important; align-items: flex-start !important; gap: 0 !important; padding: 4px 0 !important;
    justify-content: flex-start !important;
  }
  header.site-header .nav-primary > .container > a,
  header.site-header .nav-secondary > .container > a {
    font-size: 15px !important; padding: 9px 0 !important; width: 100% !important;
    border-bottom: 1px solid rgba(0,0,0,0.06) !important; border-radius: 0 !important;
  }
  header.site-header .nav-primary,
  header.site-header .nav-secondary { display: none !important; }
  header.site-header.nav-open .nav-primary,
  header.site-header.nav-open .nav-secondary { display: block !important; }
  /* Moon button stays in mobile menu too */
  header.site-header .nav-theme-btn-inline { margin-left: 0; margin-top: 4px; }
}

/* === Hero Section === */
.hero {
  text-align: center;
  padding: 48px 0 32px;
  background: linear-gradient(135deg, #165F8A 0%, #1a6b9c 50%, #0E4d75 100%);
  color: #ffffff;
}
.hero h1 {
  font-size: 32px;
  font-weight: 700;
  letter-spacing: -0.5px;
  margin-bottom: 8px;
  text-align: center;
  color: #ffffff;
}
.hero p {
  font-size: 16px;
  max-width: 700px;
  margin: 0 auto 16px;
  text-align: center;
  color: rgba(255,255,255,0.88);
}
.hero h1 {
  font-size: 32px;
  font-weight: 700;
  letter-spacing: -0.5px;
  margin-bottom: 8px;
  text-align: center;
}
.hero p {
  font-size: 16px;
  max-width: 700px;
  margin: 0 auto 16px;
  text-align: center;
}
.hero .badge-row {
  display: flex;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
}
.hero .badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 5px 12px;
  background: rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.9);
  border-radius: 20px;
  font-size: 12px;
  font-weight: 500;
}

/* === Calculator Section === */
.calc-section { padding: 36px 0 48px; }

/* === SEO Content Section === */
.content-section {
  padding: 40px 0;
  background: #FAFBFC;
}
[data-theme="dark"] .content-section { background: #0F172A; }
.content-section h2 {
  font-size: 26px;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 16px;
  letter-spacing: -0.3px;
}
.content-section h3 {
  font-size: 20px;
  font-weight: 600;
  color: var(--slate-800);
  margin-top: 32px;
  margin-bottom: 12px;
}
.content-section p {
  font-size: 15px;
  color: var(--slate-600);
  line-height: 1.8;
  margin-bottom: 16px;
}
.content-section a {
  color: var(--primary);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.content-section ul {
  color: var(--slate-600);
  padding-left: 20px;
  margin-bottom: 16px;
  line-height: 1.8;
}
.content-section li { margin-bottom: 6px; font-size: 15px; }

/* === calculator-box (ad-exclusion container) === */
.calculator-box {
  width: 100%;
  padding: 32px;
  margin: 36px 0;
  background: #ffffff;
  border-radius: var(--radius-lg);
  box-shadow: 0 6px 18px rgba(22, 95, 138, 0.09);
  border: 1px solid #F1F5F9;
}

/* === Form Elements === */
.form-group { margin-bottom: 16px; }
.form-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  font-weight: 600;
  color: var(--slate-700);
  margin-bottom: 6px;
}
.form-group label .unit { font-size: 12px; color: var(--slate-400); font-weight: 400; }
.input-row { display: flex; align-items: center; gap: 6px; }
.input-row .prefix,
.input-row .suffix {
  font-size: 14px;
  color: var(--slate-500);
  font-weight: 500;
}
.input-row input[type="number"],
.input-row select {
  padding: 10px 12px;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--slate-800);
  background: white;
  outline: none;
  transition: border-color 0.15s;
}
.input-row input[type="number"]:focus,
.input-row select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(22, 95, 138, 0.1);
}
.input-row input[type="range"] {
  flex: 1;
  accent-color: var(--primary);
}

/* Toggle group */
.toggle-group { display: flex; border-radius: var(--radius-sm); overflow: hidden; border: 1px solid var(--slate-300); }
.toggle-group button {
  padding: 8px 14px;
  font-size: 12px;
  font-weight: 600;
  border: none;
  background: white;
  color: var(--slate-500);
  cursor: pointer;
  transition: 0.15s;
}
.toggle-group button.active {
  background: var(--primary);
  color: white;
}
.toggle-group button:not(:last-child) { border-right: 1px solid var(--slate-300); }

/* === Result Cards === */
.result-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin: 24px 0;
}
.result-card {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 20px;
}
.result-card .label { font-size: 12px; color: var(--slate-500); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px; }
.result-card .value { font-size: 28px; font-weight: 700; color: var(--primary); }
.result-card .sub { font-size: 12px; color: var(--slate-400); margin-top: 4px; }
.result-card.total { background: var(--primary); color: white; border-color: var(--primary); }
.result-card.total .label { color: rgba(255,255,255,0.8); }
.result-card.total .value { color: white; }
.result-card.total .sub { color: rgba(255,255,255,0.7); }

/* === Chart Sections === */
.chart-section { margin: 32px 0; }
.chart-section h3 { font-size: 18px; font-weight: 600; color: var(--slate-800); margin-bottom: 16px; }
.chart-wrap {
  background: var(--slate-50);
  border-radius: var(--radius);
  padding: 16px;
  border: 1px solid var(--slate-200);
  overflow: hidden;
}

/* === Tabs === */
.tabs-wrapper { margin: 24px 0 0; }
.tabs {
  display: flex;
  gap: 4px;
  flex-wrap: wrap;
  border-bottom: 2px solid var(--slate-200);
  padding-bottom: 0;
}
.tab-btn {
  padding: 10px 18px;
  font-size: 14px;
  font-weight: 600;
  border: none;
  background: none;
  color: var(--slate-500);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: 0.15s;
}
.tab-btn.active {
  color: var(--primary);
  border-bottom-color: var(--primary);
}
.tab-btn:hover { color: var(--primary); }
.tab-content { display: none; padding-top: 24px; }
.tab-content.active { display: block; }

/* === Table === */
.table-wrap {
  overflow-x: auto;
  max-height: 400px;
  overflow-y: auto;
  margin-top: 16px;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-sm);
}
table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
table th {
  background: var(--slate-100);
  padding: 10px 12px;
  text-align: right;
  font-weight: 600;
  color: var(--slate-700);
  position: sticky;
  top: 0;
  z-index: 1;
}
table th:first-child { text-align: center; }
table td {
  padding: 8px 12px;
  text-align: right;
  border-bottom: 1px solid var(--slate-100);
  color: var(--slate-600);
}
table td:first-child { text-align: center; color: var(--slate-400); font-weight: 500; }
table tr:hover td { background: var(--slate-50); }

/* === FAQ === */
.faq-section { margin: 36px 0; }
.faq-item { padding: 16px 0; border-bottom: 1px solid var(--slate-200); cursor: pointer; user-select: none; }
.faq-item:last-child { border-bottom: none; }
.faq-q {
  font-size: 15px; font-weight: 600; color: var(--primary);
  display: flex; align-items: center; gap: 10px;
}
.faq-q::before {
  content: "▶";
  font-size: 11px;
  color: var(--slate-400);
  transition: transform 0.2s ease;
  flex-shrink: 0;
  display: inline-block;
}
.faq-item.open .faq-q::before { transform: rotate(90deg); }
.faq-a {
  font-size: 14px; color: var(--slate-600); line-height: 1.7;
  display: none;
  padding-left: 22px;
  cursor: default;
  user-select: text;
}
.faq-item.open .faq-a { display: block; }

/* === Mini FAQ (in-page) === */
.mini-faq { margin: 36px 0; }
.mini-faq h3 { font-size: 22px; font-weight: 700; color: var(--slate-900); margin-bottom: 20px; }

/* === Government / External Links === */
.gov-links {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 36px 0;
}
.gov-links h3 { font-size: 17px; font-weight: 700; color: var(--slate-800); margin-bottom: 12px; }
.gov-links ul { list-style: disc; padding-left: 20px; color: var(--slate-600); font-size: 14px; line-height: 2; }
.gov-links a { color: var(--primary); text-decoration: none; }
.gov-links a:hover { text-decoration: underline; }

/* === Cross-site Links === */
.cross-links {
  background: var(--primary-50);
  border: 1px solid var(--primary-100);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 36px 0;
  overflow: hidden;
}
.cross-links > .container { max-width: 100%; width: auto; margin: 0; padding: 0; }
.cross-links h3 { font-size: 16px; font-weight: 700; color: var(--primary-700); margin-bottom: 10px; text-align: center; }
.cross-links ul { list-style: disc; padding-left: 18px; color: var(--primary-700); font-size: 14px; line-height: 1.9; }
.cross-link-grid { display: flex; flex-wrap: wrap; gap: 6px 20px; align-items: center; justify-content: center; }
.cross-link-grid a {
  display: inline-block;
  padding: 3px 0;
  color: var(--primary);
  text-decoration: none;
  font-weight: 500;
  font-size: 14px;
  white-space: nowrap;
}
.cross-link-grid a:hover { text-decoration: underline; }
.cross-links a { color: var(--primary); text-decoration: none; font-weight: 500; }
.cross-links a:hover { text-decoration: underline; }

/* === Print Button === */
.print-btn {
  padding: 8px 16px;
  background: white;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-sm);
  font-size: 13px;
  cursor: pointer;
  color: var(--slate-600);
  transition: 0.15s;
}
.print-btn:hover { border-color: var(--primary); color: var(--primary); }

/* === Info Box === */
.info-box {
  background: var(--primary-50);
  border-left: 4px solid var(--primary);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  margin: 20px 0;
  font-size: 14px;
  color: var(--primary-800);
  line-height: 1.7;
}

/* === Tool Cards Grid === */
.tool-cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; margin: 24px 0; }
.tool-card {
  background: white;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 20px;
  transition: box-shadow 0.2s, transform 0.15s;
}
.tool-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.tool-card a { text-decoration: none; color: inherit; }
.tool-card .tool-icon { font-size: 28px; margin-bottom: 10px; }
.tool-card .tool-name { font-size: 16px; font-weight: 600; color: var(--slate-800); margin-bottom: 6px; }
.tool-card .tool-desc { font-size: 13px; color: var(--slate-500); line-height: 1.6; }

/* === Comparison Grid === */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 24px 0; }
@media (max-width: 600px) { .compare-grid { grid-template-columns: 1fr; } }
.compare-card {
  background: var(--slate-50);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
}
.compare-card.savings { border-color: var(--emerald-200); background: var(--emerald-50); }
.compare-card .term { font-size: 15px; font-weight: 600; color: var(--slate-800); margin-bottom: 12px; }
.compare-card .monthly { font-size: 32px; font-weight: 700; color: var(--primary); margin-bottom: 6px; }
.compare-card .total-interest { font-size: 14px; color: var(--slate-500); margin-bottom: 8px; }
.compare-card .saved { font-size: 18px; font-weight: 700; color: var(--emerald); }

/* === Rent vs Buy === */
.rvb-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 600px) { .rvb-grid { grid-template-columns: 1fr; } }
.rvb-result { margin-top: 24px; padding: 24px; border-radius: var(--radius); }
.rvb-result.buy-wins { background: var(--emerald-50); border: 1px solid var(--emerald-200); }
.rvb-result.rent-wins { background: #FEF3C7; border: 1px solid #FCD34D; }
.rvb-result .winner { font-size: 22px; font-weight: 700; margin-bottom: 8px; }
.rvb-result.buy-wins .winner { color: var(--emerald); }
.rvb-result.rent-wins .winner { color: var(--amber-600); }
.rvb-result .detail { font-size: 14px; color: var(--slate-600); margin-bottom: 16px; }
.rvb-breakdown { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }
.rvb-card { background: white; padding: 14px; border-radius: var(--radius-sm); border: 1px solid var(--slate-200); text-align: center; }
.rvb-card .rvb-label { font-size: 11px; color: var(--slate-500); text-transform: uppercase; margin-bottom: 4px; }
.rvb-card .rvb-value { font-size: 20px; font-weight: 700; color: var(--slate-800); }

/* === Footer === */
footer {
  background: var(--slate-800);
  color: rgba(255,255,255,0.7);
  padding: 40px 0 24px;
  margin-top: 48px;
}
footer .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 24px; }
footer .logo { color: white; display: inline-flex; align-items: center; }
footer .logo svg { fill: white; margin-right: 6px; }
footer .logo span { color: rgba(255,255,255,0.6); }
footer .logo .tld { color: rgba(255,255,255,0.5); font-weight: 400; }
footer p { font-size: 13px; margin: 6px 0; }
footer nav { display: flex; gap: 32px; flex-wrap: wrap; }
footer nav div { display: flex; flex-direction: column; gap: 6px; }
footer .footer-label { font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px; }
footer nav a { font-size: 13px; color: rgba(255,255,255,0.6); text-decoration: none; transition: color 0.15s; }
footer nav a:hover { color: rgba(255,255,255,0.9); }
footer .disclaimer {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  line-height: 1.8;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
  max-width: 100%;
}
footer .disclaimer strong { color: rgba(255,255,255,0.5); display: block; margin-bottom: 4px; }

/* === Floating Action Button === */
.fab-container {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 9999;
  display: flex;
  flex-direction: column-reverse;
  align-items: center;
  gap: 12px;
}

.fab-main {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--primary);
  color: white;
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(22, 95, 138, 0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.fab-main:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 20px rgba(22, 95, 138, 0.5);
}

.fab-main.open {
  transform: rotate(45deg);
}

.fab-items {
  display: flex;
  flex-direction: column-reverse;
  gap: 12px;
  position: absolute;
  bottom: 70px;
  right: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.fab-container.open .fab-items {
  opacity: 1;
  visibility: visible;
}

.fab-item {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: white;
  color: var(--slate-700);
  border: 1px solid var(--slate-200);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  position: relative;
}

.fab-item:hover {
  transform: scale(1.1);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
}

.fab-item::before {
  content: attr(data-tooltip);
  position: absolute;
  right: 58px;
  background: var(--slate-800);
  color: white;
  padding: 4px 12px;
  border-radius: 6px;
  font-size: 12px;
  white-space: nowrap;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease;
}

.fab-item:hover::before {
  opacity: 1;
  visibility: visible;
}

/* Toast Notification */
.toast {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(100px);
  background: var(--slate-800);
  color: white;
  padding: 12px 24px;
  border-radius: 8px;
  font-size: 14px;
  z-index: 10000;
  opacity: 0;
  transition: transform 0.3s ease, opacity 0.3s ease;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.toast.show {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
}

/* Hide floating buttons and toast when printing */
@media print {
  .fab-container,
  .toast {
    display: none !important;
  }
}

/* === Static Page Styles (Compliance/Terms/About/FAQ pages) === */
.static-main {
  max-width: 1200px;
  margin: 40px auto;
  padding: 48px;
  background: white;
  border-radius: var(--radius);
  border: 1px solid var(--slate-200);
}
.static-main h1 { font-size: 28px; font-weight: 700; color: var(--slate-900); margin-bottom: 8px; }
.static-main .subtitle { font-size: 15px; color: var(--slate-500); margin-bottom: 32px; }
.static-main h2 { font-size: 20px; font-weight: 600; color: var(--slate-800); margin-top: 32px; margin-bottom: 12px; }
.static-main h3 { font-size: 17px; font-weight: 600; color: var(--slate-700); margin-top: 24px; margin-bottom: 10px; }
.static-main p { color: var(--slate-600); margin-bottom: 16px; font-size: 15px; line-height: 1.8; }
.static-main ul, .static-main ol { color: var(--slate-600); padding-left: 20px; margin-bottom: 16px; font-size: 15px; line-height: 1.8; }
.static-main li { margin-bottom: 6px; }
.static-main a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.static-main strong { color: var(--slate-800); }

/* === Tooltip === */
.tooltip-trigger {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--slate-300);
  color: white;
  font-size: 10px;
  font-weight: 700;
  cursor: help;
  position: relative;
}
.tooltip-trigger .tooltip-text {
  display: none;
  position: absolute;
  bottom: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--slate-800);
  color: white;
  padding: 8px 12px;
  border-radius: 6px;
  font-size: 12px;
  font-weight: 400;
  white-space: nowrap;
  z-index: 10;
}
.tooltip-trigger:hover .tooltip-text { display: block; }

/* === Table Controls === */
.table-controls {
  display: flex;
  gap: 8px;
  align-items: center;
  margin: 16px 0 8px;
  flex-wrap: wrap;
}
.table-controls button {
  padding: 6px 14px;
  font-size: 12px;
  border: 1px solid var(--slate-300);
  background: white;
  border-radius: 6px;
  cursor: pointer;
  color: var(--slate-600);
  transition: 0.15s;
}
.table-controls button.active { background: var(--primary); color: white; border-color: var(--primary); }
.csv-btn { font-weight: 600; }

/* === Extra Payment === */
.extra-payment { margin-top: 20px; }

/* === Amortization Bar Chart === */
.amort-chart-section { margin-top: 32px; }

/* === Responsive === */
@media (max-width: 768px) {
  .hero h1 { font-size: 24px; }
  .hero p { font-size: 14px; }
  .content-section h2 { font-size: 22px; }
  .content-section h3 { font-size: 18px; }
  .static-main { padding: 24px; margin: 20px 12px; }
  .calculator-box { padding: 20px; }
  .result-grid { grid-template-columns: 1fr; }
  .tool-cards { grid-template-columns: 1fr; }
  footer .container { flex-direction: column; }
}

/* === Article body (long-form content on calculator & state pages) === */
.article-body { max-width: 1200px; margin: 0 auto; padding: 0 12px; }
.article-body h2 {
  font-size: 24px; font-weight: 700; color: var(--slate-900);
  margin: 32px 0 12px; line-height: 1.3;
}
.article-body h3 {
  font-size: 18px; font-weight: 600; color: var(--slate-800);
  margin: 20px 0 8px;
}
.article-body p {
  font-size: 16px; line-height: 1.75; color: var(--slate-600);
  margin: 0 0 14px;
}
.article-body ul { margin: 0 0 16px; padding-left: 22px; }
.article-body li { font-size: 16px; line-height: 1.7; color: var(--slate-600); margin-bottom: 8px; }
.article-body strong { color: var(--slate-800); font-weight: 600; }
.article-body a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.article-body a:hover { color: var(--primary-700); }
.article-byline { font-size: 13px; color: var(--slate-500); margin: 0 0 22px; padding-bottom: 14px; border-bottom: 1px solid var(--slate-200); }
.article-byline strong { color: var(--slate-700); font-weight: 600; }
[data-theme="dark"] .article-byline { color: #94A3B8; border-bottom-color: rgba(255,255,255,0.08); }
[data-theme="dark"] .article-byline strong { color: #E2E8F0; }
.reviewer-box { background: var(--slate-50); border: 1px solid var(--slate-200); border-left: 4px solid var(--primary); border-radius: 10px; padding: 18px 20px; margin: 18px 0 24px; font-size: 14px; color: var(--slate-600); line-height: 1.7; }
.reviewer-box strong { color: var(--slate-800); }

/* === Blog Grid (Card Layout) === */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 8px;
}
.blog-card {
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 24px;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
}
.blog-card:hover {
  box-shadow: 0 6px 20px rgba(22, 95, 138, 0.10);
  transform: translateY(-2px);
  border-color: var(--primary-200);
}
.blog-card h3 {
  font-size: 17px;
  font-weight: 700;
  line-height: 1.4;
  margin: 0 0 10px;
}
.blog-card h3 a {
  color: var(--primary-800);
  text-decoration: none;
  display: block;
}
.blog-card h3 a:hover {
  color: var(--primary);
  text-decoration: underline;
}
.blog-card p {
  font-size: 14px;
  line-height: 1.65;
  color: var(--slate-500);
  margin: 0;
}

/* Responsive blog grid */
@media (max-width: 900px) {
  .blog-grid { grid-template-columns: repeat(2, 1fr); gap: 18px; }
  .blog-card { padding: 20px; }
}
@media (max-width: 580px) {
  .blog-grid { grid-template-columns: 1fr; gap: 14px; }
}

[data-theme="dark"] .blog-card {
  background: #1E293B;
  border-color: rgba(255,255,255,0.08);
}
[data-theme="dark"] .blog-card:hover {
  border-color: rgba(22, 95, 138, 0.4);
  box-shadow: 0 6px 20px rgba(0,0,0,0.3);
}
[data-theme="dark"] .blog-card h3 a { color: #93C5FD; }
[data-theme="dark"] .blog-card h3 a:hover { color: #60A5FA; }
[data-theme="dark"] .blog-card p { color: #94A3B8; }

/* === State Grid (Card Layout) === */
.state-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-top: 20px;
}
.state-card {
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 18px 20px;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
}
.state-card:hover {
  box-shadow: 0 4px 14px rgba(22, 95, 138, 0.10);
  transform: translateY(-2px);
  border-color: var(--primary-200);
}
.state-card h3 {
  font-size: 15px;
  font-weight: 700;
  line-height: 1.35;
  margin: 0 0 6px;
}
.state-card h3 a {
  color: var(--primary-800);
  text-decoration: none;
  display: block;
}
.state-card h3 a:hover {
  color: var(--primary);
  text-decoration: underline;
}
.state-card p {
  font-size: 13px;
  line-height: 1.55;
  color: var(--slate-500);
  margin: 0;
}

/* Responsive state grid */
@media (max-width: 1024px) { .state-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 768px)  { .state-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; } }
@media (max-width: 480px)  { .state-grid { grid-template-columns: 1fr; gap: 10px; } }

[data-theme="dark"] .state-card {
  background: #1E293B;
  border-color: rgba(255,255,255,0.08);
}
[data-theme="dark"] .state-card:hover {
  border-color: rgba(22, 95, 138, 0.4);
  box-shadow: 0 4px 14px rgba(0,0,0,0.3);
}
[data-theme="dark"] .state-card h3 a { color: #93C5FD; }
[data-theme="dark"] .state-card h3 a:hover { color: #60A5FA; }
[data-theme="dark"] .state-card p { color: #94A3B8; }

[data-theme="dark"] .reviewer-box { background: #1E293B; border-color: rgba(255,255,255,0.08); color: #94A3B8; }
[data-theme="dark"] .reviewer-box strong { color: #E2E8F0; }

/* Static FAQ block (no accordion) */
.faq-block { margin-top: 8px; }
.faq-block .faq-item {
  padding: 16px 18px !important;
  border: 1px solid var(--slate-200) !important;
  border-radius: 10px !important;
  margin-bottom: 12px !important;
  background: #fff !important;
  cursor: default !important;
  user-select: auto !important;
}
.faq-block .faq-item h3 { font-size: 16px; font-weight: 600; color: var(--slate-900); margin: 0 0 6px; }
.faq-block .faq-item p { font-size: 15px; line-height: 1.7; color: var(--slate-600); margin: 0; }

[data-theme="dark"] .article-body h2 { color: #E2E8F0; }
[data-theme="dark"] .article-body h3 { color: #CBD5E1; }
[data-theme="dark"] .article-body p,
[data-theme="dark"] .article-body li { color: #94A3B8; }
[data-theme="dark"] .article-body strong { color: #E2E8F0; }
[data-theme="dark"] .faq-block .faq-item { background: #1E293B !important; border-color: rgba(255,255,255,0.08) !important; }
[data-theme="dark"] .faq-block .faq-item h3 { color: #E2E8F0; }
[data-theme="dark"] .faq-block .faq-item p { color: #94A3B8; }

/* === Universal calculator styles (shared by root + state + embedded calculators) === */
.calc-grid {
  display: grid;
  grid-template-columns: 430px 1fr;
  gap: 36px;
  align-items: start;
}
.input-panel {
  background: white;
  border-radius: var(--radius);
  border: 1px solid var(--slate-200);
  padding: 28px;
  box-shadow: var(--shadow);
}
.input-panel h2 {
  font-size: 17px;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.input-panel h2::before {
  content: '';
  display: inline-block;
  width: 4px;
  height: 18px;
  background: var(--primary);
  border-radius: 2px;
}
.result-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  position: sticky;
  top: 96px;
}
.result-card {
  background: white;
  border-radius: var(--radius);
  border: 1px solid var(--slate-200);
  padding: 22px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: box-shadow 0.2s;
}
.result-card:hover { box-shadow: var(--shadow); }
.result-card.result-total {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, #165F8A 0%, #124C6E 100%);
  color: white;
  border: none;
  box-shadow: 0 4px 20px rgba(22,95,138,0.3);
}
.result-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--slate-500);
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
.result-value {
  font-size: 30px;
  font-weight: 800;
  color: var(--slate-900);
  letter-spacing: -0.5px;
  line-height: 1.1;
}
.result-card.result-total .result-label { color: rgba(255,255,255,0.85); }
.result-card.result-total .result-value { color: white; }

/* Responsive: stack calculator columns on narrow screens */
@media (max-width: 860px) {
  .calc-grid { grid-template-columns: 1fr; gap: 20px; }
  .result-panel { position: static; grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .result-panel { grid-template-columns: 1fr; }
}