/* ==========================================================================
   DebtSolution.net — "Calm Authority" Design System
   Optimized for PageSpeed 100/100
   ========================================================================== */

/* ---------- CSS Custom Properties ---------- */
:root {
  --navy: #0B1D3A;
  --navy-light: #122B52;
  --teal: #0A8F6C;
  --teal-dark: #077A5B;
  --teal-light: #EBF7F3;
  --amber: #E8A838;
  --amber-light: #FDF2E9;
  --red: #C0392B;
  --red-light: #FDEDEB;
  --purple: #6C3483;
  --purple-light: #F5EEF8;
  --blue-light: #EEF2F7;

  --text: #1A1A2E;
  --text-secondary: #4A5568;
  --text-muted: #718096;
  --border: #E2E8F0;
  --bg: #FAFBFC;
  --white: #FFFFFF;

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --container: 1140px;
  --radius: 10px;
  --radius-sm: 6px;
  --shadow-sm: 0 1px 3px rgba(11,29,58,0.06);
  --shadow-md: 0 4px 16px rgba(11,29,58,0.08);
  --shadow-lg: 0 8px 32px rgba(11,29,58,0.1);
  --shadow-xl: 0 16px 48px rgba(11,29,58,0.12);

  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.7;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

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

a {
  color: var(--teal);
  text-decoration: none;
  transition: color var(--transition);
}
a:hover { color: var(--teal-dark); }
a:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 2px;
  border-radius: 3px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.25;
  font-weight: 700;
}

h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); letter-spacing: -0.015em; }
h3 { font-size: clamp(1.15rem, 2vw, 1.35rem); }
h4 { font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-muted); font-family: var(--font-body); font-weight: 700; }

p { margin-top: 0.6em; }

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

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 700;
  padding: 12px 28px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--teal);
  color: var(--white);
  box-shadow: 0 2px 8px rgba(10,143,108,0.25);
}
.btn-primary:hover {
  background: var(--teal-dark);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(10,143,108,0.35);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--border);
}
.btn-outline:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: var(--white);
}

.btn-emergency {
  background: var(--red);
  color: var(--white);
  font-weight: 700;
}
.btn-emergency:hover {
  background: #A93226;
  color: var(--white);
}

.btn-lg { padding: 16px 36px; font-size: 1.05rem; }

/* ---------- Section Utilities ---------- */
.section-eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--teal);
  margin-bottom: 8px;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 48px;
}

.section-desc {
  color: var(--text-secondary);
  font-size: 1.05rem;
}

/* ==========================================================================
   HEADER
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250,251,252,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  height: 72px;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}

/* Logo */
.logo, .footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-text {
  font-family: var(--font-body);
  font-size: 1.2rem;
  color: var(--navy);
  font-weight: 400;
}
.logo-text strong { font-weight: 700; }
.logo-dot { color: var(--teal); font-weight: 700; }

/* Desktop Nav */
.main-nav { flex: 1; }

.nav-list {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  justify-content: center;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-secondary);
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-body);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  text-decoration: none;
}
.nav-link:hover { color: var(--navy); background: rgba(11,29,58,0.04); }

.chevron { transition: transform var(--transition); }

/* Dropdown */
.nav-item { position: relative; }

.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  list-style: none;
  min-width: 280px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.2s ease;
}

.nav-item.open .dropdown {
  opacity: 1;
  visibility: visible;
}
.nav-item.open .chevron { transform: rotate(180deg); }

.dropdown a {
  display: block;
  padding: 10px 14px;
  font-size: 0.88rem;
  color: var(--text);
  border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.dropdown a:hover { background: var(--teal-light); color: var(--teal-dark); }

.header-cta { flex-shrink: 0; }

/* Burger */
.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

/* Mobile overlay */
.mobile-overlay {
  position: fixed;
  inset: 0;
  z-index: 99;
  background: rgba(11,29,58,0.5);
  backdrop-filter: blur(4px);
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
}
.mobile-overlay.active { opacity: 1; visibility: visible; }

.mobile-nav {
  position: absolute;
  top: 0;
  right: 0;
  width: min(360px, 85vw);
  height: 100%;
  background: var(--white);
  padding: 88px 24px 24px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}
.mobile-overlay.active .mobile-nav { transform: translateX(0); }

.mobile-nav ul { list-style: none; }
.mobile-nav li + li { margin-top: 2px; }
.mobile-nav a {
  display: block;
  padding: 12px 16px;
  font-size: 1rem;
  color: var(--text);
  border-radius: var(--radius-sm);
}
.mobile-nav a:hover { background: var(--teal-light); }

.mobile-section-label {
  display: block;
  padding: 12px 16px 4px;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
}
.mobile-divider { height: 1px; background: var(--border); margin: 12px 0; }
.mobile-cta { width: 100%; margin-top: 24px; text-align: center; }

/* ==========================================================================
   HERO
   ========================================================================== */
.hero {
  padding: 64px 0 72px;
  background: linear-gradient(180deg, var(--white) 0%, var(--bg) 100%);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 56px;
  align-items: center;
}

.hero-eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--teal);
  margin-bottom: 12px;
}

.hero h1 { margin-bottom: 16px; }

.hero-sub {
  font-size: 1.1rem;
  color: var(--text-secondary);
  line-height: 1.75;
  max-width: 560px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  margin-top: 32px;
  flex-wrap: wrap;
}

.hero-trust-row {
  display: flex;
  gap: 20px;
  margin-top: 32px;
  flex-wrap: wrap;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-secondary);
}

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

.hero-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: 380px;
  animation: cardFloat 4s ease-in-out infinite;
}

@keyframes cardFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}

.hero-card-header {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.hero-card-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
}
.hero-card-dot.green { background: var(--teal); }

.hero-card-amount {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--navy);
  margin: 8px 0 20px;
  letter-spacing: -0.02em;
}

.hero-card-bar-group { display: flex; flex-direction: column; gap: 10px; }
.hero-card-bar-row { display: flex; align-items: center; gap: 12px; }
.bar-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-muted);
  min-width: 72px;
}
.bar-track {
  flex: 1;
  height: 10px;
  background: var(--bg);
  border-radius: 6px;
  overflow: hidden;
}
.bar-fill {
  height: 100%;
  border-radius: 6px;
  transition: width 1.2s cubic-bezier(0.25, 1, 0.5, 1);
}
.bar-total { background: var(--navy); }
.bar-repay { background: var(--amber); }
.bar-written { background: var(--teal); }

.hero-card-footer {
  margin-top: 16px;
  font-size: 0.72rem;
  color: var(--text-muted);
  text-align: center;
}

/* ==========================================================================
   EMERGENCY BANNER
   ========================================================================== */
.emergency-banner {
  background: var(--red-light);
  border-top: 3px solid var(--red);
  padding: 16px 0;
}

.emergency-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.emergency-text {
  flex: 1;
  font-size: 0.95rem;
  color: var(--text);
  min-width: 200px;
}
.emergency-text strong { color: var(--red); }

/* ==========================================================================
   SOLUTIONS GRID
   ========================================================================== */
.solutions {
  padding: 80px 0;
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.solution-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.solution-card:hover {
  box-shadow: var(--shadow-md);
  border-color: transparent;
  transform: translateY(-3px);
}

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

.solution-card h3 {
  font-size: 1.1rem;
  margin-bottom: 8px;
}
.solution-card h3 a { color: var(--navy); text-decoration: none; }
.solution-card h3 a:hover { color: var(--teal); }

.solution-card p {
  font-size: 0.92rem;
  color: var(--text-secondary);
  flex: 1;
}

.solution-meta {
  display: flex;
  gap: 6px;
  margin-top: 16px;
  flex-wrap: wrap;
}

.meta-tag {
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.tag-green { background: var(--teal-light); color: var(--teal-dark); }
.tag-amber { background: var(--amber-light); color: #B7791F; }
.tag-blue { background: var(--blue-light); color: var(--navy-light); }
.tag-red { background: var(--red-light); color: var(--red); }

.card-link {
  display: inline-block;
  margin-top: 16px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--teal);
}
.card-link:hover { color: var(--teal-dark); }

/* ==========================================================================
   COMPARISON TABLE
   ========================================================================== */
.comparison {
  padding: 64px 0 80px;
  background: var(--white);
}

.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  min-width: 640px;
}

.comparison-table th,
.comparison-table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--border);
}

.comparison-table thead th {
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  position: sticky;
  top: 72px;
  z-index: 5;
}
.comparison-table thead th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.comparison-table thead th:last-child { border-radius: 0 var(--radius-sm) 0 0; }
.comparison-table thead th a { color: var(--white); text-decoration: underline; text-underline-offset: 2px; }

.comparison-table tbody tr:hover { background: rgba(10,143,108,0.03); }

.comparison-table td:first-child { font-weight: 600; color: var(--navy); }

.table-yes { color: var(--teal); font-weight: 700; }
.table-no { color: var(--text-muted); }
.table-warn { color: var(--red); font-weight: 700; }

/* ==========================================================================
   CALCULATOR CTA
   ========================================================================== */
.calculator-cta {
  padding: 80px 0;
  background: var(--navy);
  color: var(--white);
}

.calculator-inner {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 56px;
  align-items: center;
}

.calc-content .section-eyebrow { color: var(--amber); }
.calc-content h2 { color: var(--white); }
.calc-content p { color: rgba(255,255,255,0.75); font-size: 1.05rem; }

.calc-mockup {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 28px;
  backdrop-filter: blur(8px);
}

.calc-mockup-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
}
.calc-mockup-val { color: var(--white); font-weight: 700; }

.calc-mockup-divider { height: 1px; background: rgba(255,255,255,0.12); margin: 12px 0; }

.calc-mockup-result {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
}
.calc-mockup-result span:first-child {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
}
.calc-mockup-big {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--teal);
}

.calc-mockup-tag {
  display: inline-block;
  margin-top: 12px;
  background: var(--teal);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
}

/* ==========================================================================
   PROBLEMS GRID
   ========================================================================== */
.problems {
  padding: 80px 0;
}

.problems-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.problem-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  transition: all var(--transition);
}
.problem-link:hover {
  border-color: var(--teal);
  color: var(--teal);
  box-shadow: var(--shadow-sm);
}
.problem-link svg {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
}

/* ==========================================================================
   HOW IT WORKS
   ========================================================================== */
.how-it-works {
  padding: 80px 0;
  background: var(--white);
}

.steps-grid {
  display: flex;
  align-items: flex-start;
  gap: 24px;
  justify-content: center;
}

.step {
  flex: 1;
  max-width: 300px;
  text-align: center;
}

.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--teal-light);
  color: var(--teal);
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  border-radius: 50%;
  margin-bottom: 16px;
}

.step h3 { margin-bottom: 8px; }
.step p { font-size: 0.92rem; color: var(--text-secondary); }

.step-arrow {
  display: flex;
  align-items: center;
  padding-top: 24px;
  color: var(--border);
}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq {
  padding: 80px 0;
}

.faq-list { max-width: 720px; margin: 0 auto; }

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  font-size: 1.05rem;
  font-weight: 700;
  font-family: var(--font-display);
  color: var(--navy);
  cursor: pointer;
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--teal);
  transition: transform var(--transition);
  flex-shrink: 0;
  margin-left: 16px;
}
.faq-item[open] summary::after {
  content: '−';
}

.faq-answer {
  padding: 0 0 20px;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.8;
}
.faq-answer p { margin-top: 0; }

/* ==========================================================================
   ASSESSMENT FORM
   ========================================================================== */
.assessment {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
}

.assessment-inner { max-width: 720px; margin: 0 auto; text-align: center; }
.assessment-inner h2 { color: var(--white); margin-bottom: 12px; }
.assessment-inner > p { color: rgba(255,255,255,0.75); margin-bottom: 36px; }

.assessment-form { text-align: left; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 6px;
  color: rgba(255,255,255,0.8);
}

.form-group select,
.form-group input {
  width: 100%;
  padding: 12px 14px;
  font-size: 0.95rem;
  font-family: var(--font-body);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  color: var(--white);
  transition: border-color var(--transition);
}
.form-group select:focus,
.form-group input:focus {
  outline: none;
  border-color: var(--teal);
}
.form-group select option { color: var(--text); background: var(--white); }
.form-group input::placeholder { color: rgba(255,255,255,0.4); }

.form-submit { width: 100%; margin-top: 8px; }

.form-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-top: 16px;
  text-align: center;
}
.form-disclaimer a { color: rgba(255,255,255,0.7); text-decoration: underline; }

/* ==========================================================================
   TRUST SECTION
   ========================================================================== */
.trust-section {
  padding: 80px 0;
  background: var(--white);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.trust-item { text-align: center; }
.trust-item svg { margin: 0 auto 16px; }
.trust-item h3 { font-size: 1.05rem; margin-bottom: 6px; }
.trust-item p { font-size: 0.88rem; color: var(--text-secondary); }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand p { font-size: 0.88rem; margin-top: 12px; line-height: 1.7; }
.footer-brand .logo-text { color: var(--white); }

.footer-col h4 { color: rgba(255,255,255,0.5); margin-bottom: 16px; }
.footer-col ul { list-style: none; }
.footer-col li + li { margin-top: 8px; }
.footer-col a {
  color: rgba(255,255,255,0.7);
  font-size: 0.88rem;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--white); }

.footer-bottom {
  padding: 24px 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  text-align: center;
}
.footer-links-bottom { margin-top: 8px; }
.footer-links-bottom a { color: rgba(255,255,255,0.5); }
.footer-links-bottom a:hover { color: var(--white); }

/* ==========================================================================
   MOBILE STICKY BAR
   ========================================================================== */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 90;
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 12px 24px;
  box-shadow: 0 -4px 16px rgba(0,0,0,0.08);
}
.mobile-sticky-bar .btn { width: 100%; }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1024px) {
  .solutions-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .problems-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { justify-content: center; }
  .calculator-inner { grid-template-columns: 1fr; gap: 40px; }
  .calc-mockup { max-width: 400px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .main-nav, .header-cta { display: none; }
  .burger { display: flex; }

  .hero { padding: 40px 0 56px; }
  .hero-card { max-width: 100%; }

  .solutions-grid { grid-template-columns: 1fr; }
  .problems-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; gap: 24px; }

  .steps-grid { flex-direction: column; align-items: center; }
  .step-arrow { transform: rotate(90deg); padding-top: 0; }

  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }

  .mobile-sticky-bar { display: block; }
  body { padding-bottom: 72px; }

  .emergency-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  body { font-size: 16px; }
  .container { padding: 0 16px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-trust-row { flex-direction: column; gap: 10px; }
}

/* ---------- Reduced Motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
}

/* ==========================================================================
   ARTICLE PAGES
   ========================================================================== */
.article-main { background: var(--white); }

/* Article Header */
.article-header {
  background: linear-gradient(180deg, var(--bg) 0%, var(--white) 100%);
  padding: 40px 0 48px;
  border-bottom: 1px solid var(--border);
}

.breadcrumb {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}
.breadcrumb a { color: var(--text-secondary); }
.breadcrumb a:hover { color: var(--teal); }

.article-header h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  margin-bottom: 16px;
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  margin-bottom: 24px;
}
.article-meta .separator { color: var(--border); }
.article-meta strong { color: var(--navy); }

.article-intro .lead {
  font-size: 1.15rem;
  line-height: 1.75;
  color: var(--text);
}

/* At a Glance Section */
.at-a-glance {
  padding: 48px 0;
  background: var(--bg);
}

.glance-table table {
  width: 100%;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
.glance-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  font-size: 0.92rem;
}
.glance-table tr:last-child td { border-bottom: none; }
.glance-table td:nth-child(odd) { background: var(--bg); font-weight: 600; }

.pros-cons-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 32px;
}

.pros, .cons {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
}
.pros { border-left: 4px solid var(--teal); }
.cons { border-left: 4px solid var(--red); }

.pros h3, .cons h3 {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
}

.pros ul, .cons ul {
  list-style: none;
}
.pros li, .cons li {
  padding: 8px 0;
  padding-left: 20px;
  position: relative;
  font-size: 0.92rem;
}
.pros li:before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
}
.cons li:before {
  content: '✗';
  position: absolute;
  left: 0;
  color: var(--red);
  font-weight: 700;
}

/* Article Content */
.article-content { padding: 64px 0 80px; }

/* Table of Contents */
.toc {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-bottom: 48px;
}
.toc h2 {
  font-size: 1.2rem;
  margin-bottom: 16px;
}
.toc ol {
  list-style: none;
  counter-reset: toc;
}
.toc li {
  counter-increment: toc;
  padding: 8px 0;
  font-size: 0.95rem;
}
.toc li:before {
  content: counter(toc) '.';
  display: inline-block;
  width: 24px;
  font-weight: 700;
  color: var(--teal);
}
.toc a {
  color: var(--text);
  text-decoration: none;
}
.toc a:hover {
  color: var(--teal);
  text-decoration: underline;
}

/* Content Sections */
.content-section {
  margin-bottom: 56px;
  scroll-margin-top: 100px;
}
.content-section h2 {
  margin-bottom: 24px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--teal);
}
.content-section h3 {
  margin: 32px 0 16px;
}
.content-section p {
  margin-bottom: 16px;
  line-height: 1.8;
}

/* Process List */
.process-list {
  counter-reset: process;
  list-style: none;
  margin: 24px 0;
}
.process-list li {
  counter-increment: process;
  margin-bottom: 24px;
  padding-left: 48px;
  position: relative;
}
.process-list li:before {
  content: counter(process);
  position: absolute;
  left: 0;
  top: 0;
  width: 32px;
  height: 32px;
  background: var(--teal);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
}
.process-list h3 {
  margin-top: 0;
  margin-bottom: 8px;
}

/* Boxes */
.warning-box, .info-box, .example-box {
  padding: 20px 24px;
  border-radius: var(--radius);
  margin: 24px 0;
}
.warning-box {
  background: var(--red-light);
  border-left: 4px solid var(--red);
}
.info-box {
  background: var(--blue-light);
  border-left: 4px solid var(--navy);
}
.example-box {
  background: var(--teal-light);
  border-left: 4px solid var(--teal);
}

/* Checkmark List */
.checkmark-list {
  list-style: none;
}
.checkmark-list li {
  padding: 8px 0 8px 28px;
  position: relative;
}
.checkmark-list li:before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 700;
  font-size: 1.2rem;
}

/* Debt Columns */
.debt-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 24px 0;
}
.debt-columns .included,
.debt-columns .excluded {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 20px;
}
.debt-columns h3 {
  margin-top: 0;
}
.debt-columns ul {
  list-style-position: inside;
  font-size: 0.92rem;
}

/* Advantage Grid */
.advantage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 24px 0;
}
.advantage-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  transition: all var(--transition);
}
.advantage-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.advantage-card h3 {
  font-size: 1rem;
  margin: 0 0 8px;
}

/* Disadvantage List */
.disadvantage-list .dis-item {
  margin-bottom: 32px;
  padding: 20px;
  background: var(--red-light);
  border-radius: var(--radius);
  border-left: 4px solid var(--red);
}
.disadvantage-list h3 {
  margin-top: 0;
}

/* Comparison Table */
.comparison-table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 24px 0;
}
.comparison-full {
  width: 100%;
  min-width: 600px;
  border-collapse: collapse;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
.comparison-full th,
.comparison-full td {
  padding: 12px 16px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}
.comparison-full thead th {
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
}
.comparison-full .highlight {
  background: var(--teal-light);
}
.comparison-full tbody tr:hover {
  background: var(--bg);
}

/* Verdict Grid */
.verdict-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 24px 0;
}
.verdict-yes, .verdict-no {
  padding: 24px;
  border-radius: var(--radius);
}
.verdict-yes {
  background: var(--teal-light);
  border: 2px solid var(--teal);
}
.verdict-no {
  background: var(--red-light);
  border: 2px solid var(--red);
}
.verdict-yes h3, .verdict-no h3 {
  margin-top: 0;
}

/* CTA Box */
.cta-box {
  background: var(--navy);
  color: var(--white);
  padding: 40px;
  border-radius: var(--radius);
  text-align: center;
  margin: 40px 0;
}
.cta-box h3 {
  color: var(--white);
  margin-bottom: 12px;
}
.cta-box p {
  color: rgba(255,255,255,0.8);
  margin-bottom: 24px;
}
.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Author & Review Section */
.author-review-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 48px 0;
  padding-top: 48px;
  border-top: 2px solid var(--border);
}
.author-box, .review-box {
  background: var(--bg);
  padding: 24px;
  border-radius: var(--radius);
}
.author-box h3, .review-box h3 {
  margin-top: 0;
  font-size: 1rem;
}

/* Related Resources */
.related-resources {
  margin-top: 64px;
  padding-top: 48px;
  border-top: 2px solid var(--border);
}
.resource-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 24px;
}
.resource-card {
  display: block;
  padding: 20px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  text-decoration: none;
  transition: all var(--transition);
}
.resource-card:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-sm);
}
.resource-card h3 {
  color: var(--navy);
  font-size: 1rem;
  margin: 0 0 8px;
}
.resource-card p {
  color: var(--text-secondary);
  font-size: 0.88rem;
  margin: 0;
}

/* Responsive Article */
@media (max-width: 768px) {
  .pros-cons-grid { grid-template-columns: 1fr; }
  .debt-columns { grid-template-columns: 1fr; }
  .advantage-grid { grid-template-columns: 1fr; }
  .verdict-grid { grid-template-columns: 1fr; }
  .author-review-section { grid-template-columns: 1fr; }
  .resource-grid { grid-template-columns: 1fr; }
  .glance-table { overflow-x: auto; }
  .glance-table table { min-width: 500px; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .mobile-sticky-bar, .emergency-banner, .mobile-overlay { display: none; }
  body { font-size: 12pt; color: #000; background: #fff; }
  a { color: #000; text-decoration: underline; }
}