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

:root {
  --navy: #1a1a2e;
  --navy-light: #222240;
  --teal: #16a085;
  --teal-hover: #1abc9c;
  --teal-dark: #128a72;
  --teal-aa: #0d7a62;
  --white: #ffffff;
  --gray-50: #f9fafb;
  --gray-100: #f5f5f5;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;
  --red-soft: #fef2f2;
  --red-border: #fca5a5;
  --red-text: #991b1b;
  --yellow-soft: #fffbeb;
  --yellow-border: #fcd34d;
  --yellow-text: #92400e;
  --green-soft: #f0fdf4;
  --green-border: #86efac;
  --green-text: #166534;
  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --max-width: 1200px;
  --content-width: 780px;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  color: var(--teal);
  text-decoration: none;
  transition: color 0.2s ease;
}

a:hover {
  color: var(--teal-hover);
}

/* Inline paragraph links — underlined for WCAG 1.4.1 and sufficient contrast */
.question-item p a,
.article-content p a {
  color: var(--teal-aa);
  text-decoration: underline;
  text-decoration-color: rgba(13,122,98,0.4);
}
.question-item p a:hover,
.article-content p a:hover {
  color: var(--teal-aa);
  text-decoration-color: rgba(13,122,98,0.8);
}

/* ===== SKIP LINK ===== */
.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--teal);
  color: var(--white);
  padding: 8px 16px;
  z-index: 100;
  font-size: 14px;
}

.skip-link:focus {
  top: 0;
}

/* ===== CONTAINER UTILITY ===== */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== NAVIGATION ===== */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: var(--shadow-md);
}

.nav-container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: -0.01em;
  text-decoration: none;
  white-space: nowrap;
}

.nav-logo:hover {
  color: var(--teal);
}

.nav-logo svg {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}

.nav-links > li {
  position: relative;
}

.nav-links a {
  color: rgba(255,255,255,0.8);
  font-size: 14px;
  font-weight: 500;
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  transition: color 0.2s ease, background 0.2s ease;
  text-decoration: none;
  white-space: nowrap;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,0.1);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--white);
}

.nav-toggle svg {
  width: 24px;
  height: 24px;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: clamp(60px, 10vw, 120px) 24px;
  text-align: center;
}

.hero-inner {
  max-width: 800px;
  margin: 0 auto;
}

.hero h1 {
  font-size: clamp(28px, 5vw, 52px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

.hero .subtitle {
  font-size: clamp(16px, 2.2vw, 20px);
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
  max-width: 640px;
  margin: 0 auto 32px;
}

.hero .cta-button {
  display: inline-block;
  background: var(--teal-aa);
  color: var(--white);
  font-size: 16px;
  font-weight: 600;
  padding: 14px 32px;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: background 0.2s ease, transform 0.15s ease;
  box-shadow: 0 4px 14px rgba(13,122,98,0.4);
}

.hero .cta-button:hover {
  background: #0b6b54;
  transform: translateY(-1px);
  color: var(--white);
}

/* ===== ARTICLE HERO (smaller, for article pages) ===== */
.article-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: clamp(40px, 6vw, 80px) 24px;
  text-align: center;
}

.article-hero h1 {
  font-size: clamp(24px, 4vw, 40px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.02em;
  max-width: 800px;
  margin: 0 auto 12px;
}

.article-hero .article-meta {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
}

/* ===== SECTIONS ===== */
.section {
  padding: clamp(48px, 6vw, 80px) 24px;
}

.section--alt {
  background: var(--gray-100);
}

.section--navy {
  background: var(--navy);
  color: var(--white);
}

.section-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.section-title {
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 700;
  color: var(--gray-900);
  letter-spacing: -0.01em;
  margin-bottom: 12px;
}

.section--navy .section-title {
  color: var(--white);
}

.section-subtitle {
  font-size: 16px;
  color: var(--gray-500);
  max-width: 640px;
  margin-bottom: 40px;
}

.section--navy .section-subtitle {
  color: rgba(255,255,255,0.6);
}

/* ===== ARTICLE CONTENT ===== */
.article-content {
  max-width: var(--content-width);
  margin: 0 auto;
}

.article-content h2 {
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 700;
  color: var(--gray-900);
  margin-top: 48px;
  margin-bottom: 16px;
  letter-spacing: -0.01em;
}

.article-content h3 {
  font-size: 18px;
  font-weight: 600;
  color: var(--gray-800);
  margin-top: 32px;
  margin-bottom: 12px;
}

.article-content p {
  margin-bottom: 16px;
  color: var(--gray-700);
  line-height: 1.7;
}

.article-content ul, .article-content ol {
  margin-bottom: 16px;
  padding-left: 24px;
  color: var(--gray-700);
}

.article-content li {
  margin-bottom: 8px;
  line-height: 1.6;
}

.article-content strong {
  color: var(--gray-900);
  font-weight: 600;
}

/* ===== NUMBERED QUESTIONS LIST (Homepage) ===== */
.questions-list {
  counter-reset: question;
  list-style: none;
  padding: 0;
}

.question-item {
  counter-increment: question;
  margin-bottom: 48px;
  padding-left: 72px;
  position: relative;
}

.question-item::before {
  content: counter(question);
  position: absolute;
  left: 0;
  top: 0;
  width: 52px;
  height: 52px;
  background: var(--teal);
  color: var(--white);
  font-size: 22px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
}

.question-item h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 12px;
  line-height: 1.3;
}

.question-item p {
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 12px;
}

/* ===== NUMBERED ARTICLE ITEMS ===== */
.numbered-item {
  margin-bottom: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--gray-200);
}

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

.numbered-item h2 {
  display: flex;
  align-items: baseline;
  gap: 12px;
}

.item-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 36px;
  height: 36px;
  background: var(--teal);
  color: var(--white);
  font-size: 16px;
  font-weight: 700;
  border-radius: 50%;
  flex-shrink: 0;
}

/* ===== RED FLAG CARD ===== */
.red-flag-item {
  background: var(--white);
  border-left: 4px solid #ef4444;
  padding: 24px 28px;
  margin-bottom: 32px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  box-shadow: var(--shadow-sm);
}

.red-flag-item h2 {
  font-size: clamp(18px, 2.2vw, 22px);
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 12px;
  margin-top: 0;
}

.red-flag-item h3 {
  font-size: 15px;
  font-weight: 600;
  color: var(--teal-dark);
  margin-top: 16px;
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.red-flag-item p {
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 10px;
}

/* ===== RIGHTS CARDS ===== */
.rights-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 24px;
}

.right-card {
  background: var(--white);
  padding: 28px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
}

.right-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.right-card .card-icon {
  width: 36px;
  height: 36px;
  background: var(--teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.right-card .card-icon svg {
  width: 18px;
  height: 18px;
  color: var(--white);
}

.right-card p {
  color: var(--gray-600);
  line-height: 1.7;
  font-size: 15px;
}

/* ===== SCORE EXPLAINER ===== */
.score-explainer {
  max-width: var(--content-width);
  margin: 0 auto;
}

.score-bands {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 32px;
}

.score-band {
  padding: 24px;
  border-radius: var(--radius-md);
  text-align: center;
}

.score-band--green {
  background: var(--green-soft);
  border: 1px solid var(--green-border);
}

.score-band--yellow {
  background: var(--yellow-soft);
  border: 1px solid var(--yellow-border);
}

.score-band--red {
  background: var(--red-soft);
  border: 1px solid var(--red-border);
}

.score-band .band-score {
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 4px;
}

.score-band--green .band-score { color: var(--green-text); }
.score-band--yellow .band-score { color: var(--yellow-text); }
.score-band--red .band-score { color: var(--red-text); }

.score-band .band-label {
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}

.score-band--green .band-label { color: var(--green-text); }
.score-band--yellow .band-label { color: var(--yellow-text); }
.score-band--red .band-label { color: var(--red-text); }

.score-band .band-desc {
  font-size: 13px;
  color: var(--gray-600);
  line-height: 1.5;
}

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal) 100%);
  color: var(--white);
  padding: clamp(40px, 5vw, 64px) 24px;
  text-align: center;
}

.cta-banner h2 {
  font-size: clamp(22px, 3.5vw, 34px);
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.cta-banner p {
  font-size: 16px;
  opacity: 0.9;
  margin-bottom: 28px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

.cta-banner .cta-button {
  display: inline-block;
  background: var(--white);
  color: var(--teal-aa);
  font-size: 16px;
  font-weight: 700;
  padding: 14px 36px;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.2s ease;
  box-shadow: 0 4px 14px rgba(0,0,0,0.15);
}

.cta-banner .cta-button:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
  color: var(--teal-aa);
}

/* ===== INLINE CTA (within articles) ===== */
.inline-cta {
  background: var(--gray-50);
  border: 2px solid var(--teal);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  margin: 48px 0;
}

.inline-cta h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.inline-cta p {
  font-size: 15px;
  color: var(--gray-600);
  margin-bottom: 20px;
}

.inline-cta .cta-button {
  display: inline-block;
  background: var(--teal-aa);
  color: var(--white);
  font-size: 15px;
  font-weight: 600;
  padding: 12px 28px;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: background 0.2s ease;
}

.inline-cta .cta-button:hover {
  background: #0b6b54;
  color: var(--white);
}

/* ===== CALLOUT BOX ===== */
.callout {
  background: var(--yellow-soft);
  border-left: 4px solid var(--yellow-border);
  padding: 20px 24px;
  margin: 24px 0;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 15px;
  color: var(--yellow-text);
  line-height: 1.6;
}

.callout--info {
  background: #eff6ff;
  border-left-color: #60a5fa;
  color: #1e40af;
}

/* ===== COMPARISON TABLE ===== */
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin: 32px 0;
  font-size: 15px;
}

.comparison-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 20px;
  text-align: left;
  font-weight: 600;
  font-size: 14px;
}

.comparison-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--gray-200);
  color: var(--gray-700);
  line-height: 1.5;
}

.comparison-table tr:nth-child(even) td {
  background: var(--gray-50);
}

/* ===== FOOTER ===== */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.6);
  padding: 40px 24px;
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
}

.footer-brand {
  max-width: 360px;
}

.footer-brand .footer-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
  margin-bottom: 12px;
  text-decoration: none;
}

.footer-brand .footer-logo:hover {
  color: var(--teal);
}

.footer-brand .footer-logo svg {
  width: 24px;
  height: 24px;
}

.footer-brand p {
  font-size: 13px;
  line-height: 1.6;
}

.footer-brand p a {
  text-decoration: underline;
  text-decoration-color: rgba(22, 160, 133, 0.5);
}

.footer-links {
  display: flex;
  gap: 40px;
}

.footer-links-group .footer-links-heading {
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
}

.footer-links-group ul {
  list-style: none;
  padding: 0;
}

.footer-links-group li {
  margin-bottom: 8px;
}

.footer-links-group a {
  color: rgba(255,255,255,0.6);
  font-size: 14px;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-links-group a:hover {
  color: var(--teal);
}

.footer-bottom {
  width: 100%;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  margin-top: 8px;
}

.footer-disclaimer {
  font-size: 12px;
  line-height: 1.6;
  color: rgba(255,255,255,0.55);
  max-width: 640px;
}

/* ===== ABOUT PAGE ===== */
.about-content {
  max-width: var(--content-width);
  margin: 0 auto;
}

.about-content h2 {
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 700;
  color: var(--gray-900);
  margin-top: 40px;
  margin-bottom: 14px;
}

.about-content p {
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 16px;
}

.about-content a {
  font-weight: 500;
}

/* ===== BREADCRUMB ===== */
.breadcrumb {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}

.breadcrumb a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
}

.breadcrumb a:hover {
  color: var(--teal);
}

/* ===== INTERNAL LINK BOX ===== */
.related-articles {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid var(--gray-200);
}

.related-articles h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 16px;
}

.related-articles ul {
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 12px;
}

.related-articles a {
  display: block;
  padding: 16px 20px;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 500;
  color: var(--gray-800);
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease;
  border: 1px solid var(--gray-200);
}

.related-articles a:hover {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
}

/* ===== MOBILE RESPONSIVE ===== */
@media (max-width: 768px) {
  .nav-toggle {
    display: block;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 12px 24px 24px;
    gap: 4px;
    border-top: 1px solid rgba(255,255,255,0.1);
    box-shadow: var(--shadow-lg);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 10px 12px;
    font-size: 15px;
    width: 100%;
  }

  .question-item {
    padding-left: 0;
    padding-top: 64px;
  }

  .question-item::before {
    left: 0;
    top: 0;
  }

  .score-bands {
    grid-template-columns: 1fr;
  }

  .footer-inner {
    flex-direction: column;
  }

  .footer-links {
    flex-direction: column;
    gap: 24px;
  }

  .comparison-table {
    font-size: 13px;
  }

  .comparison-table th,
  .comparison-table td {
    padding: 10px 12px;
  }

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

@media (max-width: 480px) {
  .hero h1 {
    font-size: 26px;
  }

  .hero .subtitle {
    font-size: 15px;
  }

  .nav-logo {
    font-size: 13px;
  }

  .cta-banner h2 {
    font-size: 22px;
  }
}

/* ===== DROPDOWN NAV ===== */
.has-dropdown {
  position: relative;
}

.nav-parent {
  display: flex;
  align-items: center;
  gap: 4px;
  cursor: pointer;
}

.nav-arrow {
  font-size: 10px;
  line-height: 1;
  opacity: 0.7;
  transition: transform 0.2s ease;
  display: inline-block;
}

.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  z-index: 999;
  display: none;
  background: #0f1923;
  border-top: 2px solid #16a085;
  min-width: 200px;
  padding: 0.5rem 0;
  list-style: none;
  box-shadow: 0 4px 12px rgba(0,0,0,0.3);
}

.has-dropdown:hover .nav-dropdown {
  display: block;
}

.has-dropdown:hover .nav-arrow {
  transform: rotate(180deg);
}

.nav-dropdown li a {
  display: block;
  padding: 0.6rem 1.25rem;
  color: rgba(255,255,255,0.85);
  white-space: nowrap;
  font-size: 14px;
  transition: color 0.15s ease;
}

.nav-dropdown li a:hover {
  color: #16a085;
}

/* ===== CALCULATOR STYLES ===== */
.calculator-widget {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.calculator-inputs {
  padding: 28px 32px;
  border-bottom: 1px solid var(--gray-200);
}

.calculator-inputs h2 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 20px;
  margin-top: 0;
}

.calc-field {
  margin-bottom: 18px;
}

.calc-field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-700);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 6px;
}

.inp-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.inp-prefix {
  position: absolute;
  left: 12px;
  color: var(--gray-500);
  font-size: 15px;
  font-weight: 500;
  pointer-events: none;
}

.inp-suffix {
  position: absolute;
  right: 12px;
  color: var(--gray-500);
  font-size: 13px;
  pointer-events: none;
}

.calc-field input,
.calc-field select {
  width: 100%;
  padding: 10px 14px;
  font-size: 15px;
  font-family: var(--font-sans);
  color: var(--gray-900);
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  -webkit-appearance: none;
  appearance: none;
}

.inp-wrap .inp-prefix ~ input {
  padding-left: 28px;
}

.inp-wrap input.has-suffix {
  padding-right: 60px;
}

.calc-field input:focus,
.calc-field select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(22,160,133,0.15);
  background: var(--white);
}

.calc-field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
  cursor: pointer;
}

.calculator-results {
  padding: 28px 32px;
  background: var(--navy);
}

.calculator-results h2 {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  margin-top: 0;
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 20px;
}

.result-item {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 14px 16px;
}

.result-label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.5);
  margin-bottom: 6px;
}

.result-value {
  font-size: 22px;
  font-weight: 800;
  color: var(--teal-hover);
  letter-spacing: -0.02em;
  line-height: 1.2;
}

.result-item.result-highlight {
  grid-column: 1 / -1;
  background: rgba(22,160,133,0.15);
  border-color: rgba(22,160,133,0.35);
}

.result-item.result-highlight .result-value {
  font-size: 32px;
  color: var(--white);
}

.result-item.result-highlight .result-label {
  color: rgba(255,255,255,0.7);
}

.results-disclaimer {
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  line-height: 1.5;
  margin-bottom: 16px;
  font-style: italic;
}

.results-cta {
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.results-cta p {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  margin-bottom: 10px;
}

.calculator-disclaimer {
  background: var(--yellow-soft);
  border: 1px solid var(--yellow-border);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  font-size: 13px;
  color: var(--yellow-text);
  line-height: 1.5;
  margin: 24px 0;
}

/* ===== MOBILE: dropdown nav ===== */
@media (max-width: 768px) {
  .has-dropdown:hover .nav-dropdown {
    display: none;
  }

  .has-dropdown.open .nav-dropdown {
    display: flex;
    flex-direction: column;
    position: static;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.08);
    border-top: 2px solid var(--teal);
    border-radius: var(--radius-sm);
    box-shadow: none;
    padding: 4px 0;
    margin: 4px 0 8px 0;
    min-width: 0;
  }

  .has-dropdown.open .nav-arrow {
    transform: rotate(180deg);
  }

  .nav-dropdown li a {
    padding: 8px 20px;
    font-size: 14px;
  }

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

  .calculator-inputs,
  .calculator-results {
    padding: 20px;
  }
}

/* ===== PAGE HERO (index pages) ===== */
.page-hero {
  background: var(--navy);
  padding: 48px 24px 40px;
}

.page-hero--index {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.page-hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.page-hero h1 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 12px;
}

.page-subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.7);
  max-width: 640px;
  line-height: 1.6;
}

/* ===== BREADCRUMB ===== */
.breadcrumb-bar {
  background: var(--gray-100);
  border-bottom: 1px solid var(--gray-200);
  padding: 0.875rem 0;
}

.breadcrumb-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
  font-size: 13px;
  color: var(--gray-500);
  flex-wrap: wrap;
}

.breadcrumb li + li::before {
  content: "/";
  color: var(--gray-300);
  margin-right: 6px;
}

.breadcrumb a {
  color: var(--teal);
  text-decoration: none;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

/* ===== INDEX CONTENT WRAPPER ===== */
.index-content {
  background: var(--gray-50);
  padding: 40px 24px 64px;
}

.index-content-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

/* ===== CLAUSE INDEX ===== */
.clause-category-section {
  margin-bottom: 40px;
}

.clause-category-section h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--teal);
  display: inline-block;
}

.clause-index-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 10px;
}

.clause-index-item a {
  display: flex;
  flex-direction: column;
  gap: 3px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  text-decoration: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.clause-index-item a:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}

.clause-name {
  font-weight: 600;
  color: var(--gray-800);
  font-size: 0.95rem;
}

.clause-short-desc {
  font-size: 0.82rem;
  color: var(--gray-500);
  line-height: 1.4;
}

/* ===== STATE INDEX ===== */
.state-index-grid {
  padding: 8px 0;
}

.state-index-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 10px;
}

.state-index-item a {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  text-decoration: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.state-index-item a:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}

.state-abbr-tag {
  background: var(--navy);
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  padding: 2px 6px;
  border-radius: 4px;
  flex-shrink: 0;
  letter-spacing: 0.03em;
}

.state-abbr-badge {
  display: none;
}

/* ===== MARKET STATS (city pages) ===== */
.market-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin: 1.5rem 0;
}

.market-stat {
  background: var(--gray-50, #f9fafb);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 1rem;
  text-align: center;
}

.stat-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gray-800);
  line-height: 1.3;
  margin-bottom: 0.25rem;
  word-break: break-word;
}

.stat-unit {
  font-size: 0.7rem;
  font-weight: 400;
  color: var(--gray-500);
}

.stat-label {
  font-size: 0.7rem;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

@media (max-width: 640px) {
  .market-stats {
    grid-template-columns: 1fr;
  }
}

/* ===== GLANCE CARD (state sidebar) ===== */
.glance-card {
  padding: 1.25rem;
}

.glance-title {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #16a085;
  margin-bottom: 1rem;
}

.glance-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 0.875rem;
}

.glance-row:last-child {
  border-bottom: none;
}

.glance-label {
  color: rgba(255,255,255,0.6);
}

.glance-value {
  font-weight: 600;
  color: #fff;
  text-align: right;
}

.glance-value--moderate { color: #f39c12 }
.glance-value--good     { color: #16a085 }
.glance-value--poor     { color: #e74c3c }
.glance-value--yes      { color: #16a085 }
.glance-value--no       { color: rgba(255,255,255,0.5) }

/* ===== HERO CTA SPACING ===== */
.page-hero .cta-button {
  display: inline-block;
  margin-top: 1.5rem;
}

.state-name {
  color: var(--gray-800);
  font-size: 0.9rem;
  font-weight: 500;
}

/* ===== CITY INDEX ===== */
.city-state-section {
  margin-bottom: 32px;
}

.city-state-section h2 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: 10px;
}

.city-state-section h2 a {
  color: var(--gray-700);
  text-decoration: none;
}

.city-state-section h2 a:hover {
  color: var(--teal);
}

.city-state-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.city-state-list a {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 6px 12px;
  font-size: 0.88rem;
  color: var(--gray-700);
  text-decoration: none;
  transition: border-color 0.15s, color 0.15s;
}

.city-state-list a:hover {
  border-color: var(--teal);
  color: var(--teal-dark);
}

/* ===== TOPIC INDEX ===== */
.topic-index-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 12px;
}

.topic-index-item a {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 16px 18px;
  text-decoration: none;
  transition: border-color 0.15s, box-shadow 0.15s;
  height: 100%;
}

.topic-index-item a:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}

.topic-title {
  font-weight: 600;
  color: var(--gray-800);
  font-size: 0.95rem;
}

.topic-desc {
  font-size: 0.83rem;
  color: var(--gray-500);
  line-height: 1.45;
}

/* ===== CALCULATOR INDEX ===== */
.calc-index-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.calc-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  transition: border-color 0.15s, box-shadow 0.15s;
  height: 100%;
}

.calc-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}

.calc-card-body {
  flex: 1;
  margin-bottom: 16px;
}

.calc-card-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.calc-card-desc {
  font-size: 0.875rem;
  color: var(--gray-500);
  line-height: 1.5;
}

.calc-card-link {
  display: inline-block;
  color: var(--teal);
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
  border-top: 1px solid var(--gray-100);
  padding-top: 12px;
  width: 100%;
  transition: color 0.15s;
}

.calc-card-link:hover {
  color: var(--teal-dark);
}

/* ===== CALCULATOR PAGE ===== */
.page-hero--calculator {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.calculator-icon {
  margin-bottom: 16px;
}

.calculator-icon svg {
  width: 44px;
  height: 44px;
  border-radius: 10px;
}

.content-layout--calculator {
  background: var(--gray-50);
}

.calculator-section {
  margin-bottom: 32px;
}

.calculator-methodology p {
  color: var(--gray-700);
  line-height: 1.7;
  font-size: 0.95rem;
}

/* ===== CONTENT LAYOUT (article pages with sidebar) ===== */
.content-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 40px 24px 64px;
  align-items: start;
}

.content-main {
  min-width: 0;
}

.content-sidebar {
  position: sticky;
  top: 80px;
}

.sidebar-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 20px;
}

.sidebar-card h3 {
  font-size: 0.9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray-500);
  margin-bottom: 12px;
}

.sidebar-card--highlight {
  background: var(--navy);
  border-color: transparent;
  color: var(--white);
}

.sidebar-card--cta {
  background: var(--navy);
  border-color: transparent;
  color: var(--white);
}

.sidebar-card--cta h3 {
  color: rgba(255,255,255,0.6);
}

.sidebar-card--cta p {
  font-size: 0.88rem;
  line-height: 1.55;
  color: rgba(255,255,255,0.8);
  margin-bottom: 14px;
}

.content-section {
  margin-bottom: 32px;
}

.content-section h2 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 12px;
  padding-top: 8px;
}

.content-section p {
  color: var(--gray-700);
  line-height: 1.7;
}

.related-links {
  list-style: none;
}

.related-links li {
  border-bottom: 1px solid var(--gray-100);
}

.related-links li:last-child {
  border-bottom: none;
}

.related-links a {
  display: block;
  padding: 7px 0;
  color: var(--teal-dark);
  text-decoration: none;
  font-size: 0.88rem;
}

.related-links a:hover {
  color: var(--teal);
  text-decoration: underline;
}

/* ===== INLINE CTA ===== */
.cta-inline {
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  margin: 32px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.cta-inline p {
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  line-height: 1.5;
  margin: 0;
}

/* ===== DATA TABLE (state deposit/notice info) ===== */
.data-table {
  background: #f8f9fa;
  border-radius: 8px;
  overflow: hidden;
  margin: 1.5rem 0;
}

.data-row {
  display: flex;
  justify-content: space-between;
  padding: 0.75rem 1.25rem;
  border-bottom: 1px solid #e9ecef;
}

.data-row:last-child {
  border-bottom: none;
}

.data-label {
  font-weight: 600;
  color: #1a1a2e;
  font-size: 0.9rem;
}

.data-value {
  color: #444;
  font-size: 0.9rem;
  text-align: right;
}

/* ===== FAQ LIST ===== */
.faq-list {
  margin: 0;
  padding: 0;
}

.faq-list dt {
  font-weight: 600;
  color: var(--gray-800);
  font-size: 0.95rem;
  margin-top: 20px;
  margin-bottom: 6px;
}

.faq-list dt:first-child {
  margin-top: 0;
}

.faq-list dd {
  color: var(--gray-600);
  line-height: 1.65;
  font-size: 0.9rem;
  margin-left: 0;
}

/* ===== LAST UPDATED TEXT ===== */
.last-updated {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-top: 0.75rem;
}

/* ===== CALCULATOR REDESIGN ===== */
.calc-wrapper {
  background: var(--gray-50);
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--gray-200);
}

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 2rem;
  align-items: start;
}

.calc-inputs-panel {
  background: #fff;
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid #e9ecef;
}

.calc-results-panel {
  background: #0f1923;
  border-radius: 12px;
  padding: 2rem;
  border-top: 3px solid #16a085;
  position: sticky;
  top: 5rem;
}

.calc-section-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #16a085;
  margin-bottom: 1.25rem;
}

.calc-field {
  margin-bottom: 1.5rem;
}

.calc-field label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: #1a1a2e;
  margin-bottom: 0.4rem;
}

.field-hint {
  font-size: 0.8rem;
  color: #6b7280;
  margin-top: 0.3rem;
}

.calc-input-wrap {
  position: relative;
}

.calc-input-prefix {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  color: #6b7280;
  font-weight: 500;
  pointer-events: none;
}

.calc-input-suffix {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  color: #6b7280;
  font-size: 0.85rem;
  pointer-events: none;
}

.calc-input {
  width: 100%;
  padding: 12px 16px 12px 28px;
  border: 1.5px solid #e9ecef;
  border-radius: 8px;
  font-size: 1rem;
  transition: border-color 0.15s;
  font-family: inherit;
  background: #fff;
  box-sizing: border-box;
}

.calc-input:focus {
  outline: none;
  border-color: #16a085;
  box-shadow: 0 0 0 3px rgba(22,160,133,0.1);
}

.calc-input--no-prefix {
  padding-left: 16px;
}

.primary-result {
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.primary-result-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.5);
  margin-bottom: 0.5rem;
}

.primary-result-value {
  font-size: 2.5rem;
  font-weight: 800;
  color: #16a085;
  line-height: 1;
  transition: color 0.2s;
}

.secondary-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}

.result-card {
  background: rgba(255,255,255,0.05);
  border-radius: 8px;
  padding: 0.875rem;
}

.result-card-label {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.4);
  margin-bottom: 0.4rem;
}

.result-card-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: #fff;
}

.result-interpretation {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
  padding: 1rem;
  background: rgba(255,255,255,0.03);
  border-radius: 8px;
  margin-bottom: 1.5rem;
  min-height: 60px;
}

@media (max-width: 900px) {
  .calc-layout {
    grid-template-columns: 1fr;
  }
  .calc-results-panel {
    position: static;
  }
}

/* ===== MOBILE: index page adjustments ===== */
@media (max-width: 768px) {
  .clause-index-list,
  .state-index-list,
  .topic-index-list,
  .calc-index-list {
    grid-template-columns: 1fr;
  }

  .calc-index-list {
    grid-template-columns: 1fr;
  }

  .content-layout {
    grid-template-columns: 1fr;
    padding: 24px 16px 48px;
  }

  .content-sidebar {
    position: static;
  }

  .page-hero {
    padding: 32px 16px 28px;
  }

  .index-content {
    padding: 28px 16px 48px;
  }
}