/* == css/premium.v2.min.css == */
/* ============================================================
   WiseIQ Premium Design System v2.0
   Inspired by: Stripe, Linear, Vercel, Apple
   ============================================================ */

/* ── Google Fonts: Inter ── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* ── Design Tokens ── */
:root {
  /* Brand */
  --brand-navy:     #0B1F3A;
  --brand-blue:     #1A6FD4;
  --brand-blue-lt:  #3B8BF5;
  --brand-teal:     #0EA5E9;
  --brand-gold:     #C9A84C;
  --white:           #FFFFFF;

  /* Neutrals — precise 11-step scale */
  --n-0:   #FFFFFF;
  --n-50:  #F8FAFC;
  --n-100: #F1F5F9;
  --n-150: #EBF0F7;
  --n-200: #E2E8F0;
  --n-300: #CBD5E1;
  --n-400: #94A3B8;
  --n-500: #64748B;
  --n-600: #475569;
  --n-700: #334155;
  --n-800: #1E293B;
  --n-900: #0F172A;

  /* Semantic */
  --text-primary:   var(--n-900);
  --text-secondary: var(--n-600);
  --text-tertiary:  var(--n-400);
  --text-inverse:   var(--n-0);
  --bg-base:        var(--n-0);
  --bg-subtle:      var(--n-50);
  --bg-muted:       var(--n-100);
  --border-subtle:  var(--n-200);
  --border-default: var(--n-300);

  /* Status */
  --green:  #16A34A;
  --green-lt: #DCFCE7;
  --amber:  #D97706;
  --amber-lt: #FEF3C7;
  --red:    #DC2626;
  --red-lt: #FEE2E2;
  --blue-lt: #EFF6FF;

  /* Typography */
  --font:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'SF Mono', 'Fira Code', 'Fira Mono', monospace;

  /* Type scale */
  --text-xs:   11px;
  --text-sm:   13px;
  --text-base: 15px;
  --text-md:   17px;
  --text-lg:   20px;
  --text-xl:   24px;
  --text-2xl:  30px;
  --text-3xl:  38px;
  --text-4xl:  48px;
  --text-5xl:  60px;

  /* Spacing */
  --space-1:  4px;
  --space-2:  8px;
  --space-3:  12px;
  --space-4:  16px;
  --space-5:  20px;
  --space-6:  24px;
  --space-8:  32px;
  --space-10: 40px;
  --space-12: 48px;
  --space-16: 64px;
  --space-20: 80px;
  --space-24: 96px;

  /* Radius */
  --r-xs:  4px;
  --r-sm:  8px;
  --r-md:  12px;
  --r-lg:  16px;
  --r-xl:  20px;
  --r-2xl: 24px;
  --r-full: 9999px;

  /* Shadows — layered for depth */
  --shadow-xs:  0 1px 2px rgba(15,23,42,0.04);
  --shadow-sm:  0 1px 3px rgba(15,23,42,0.06), 0 1px 2px rgba(15,23,42,0.04);
  --shadow-md:  0 4px 12px rgba(15,23,42,0.07), 0 2px 4px rgba(15,23,42,0.04);
  --shadow-lg:  0 12px 32px rgba(15,23,42,0.09), 0 4px 8px rgba(15,23,42,0.05);
  --shadow-xl:  0 24px 56px rgba(15,23,42,0.12), 0 8px 16px rgba(15,23,42,0.06);
  --shadow-2xl: 0 40px 80px rgba(15,23,42,0.16), 0 16px 32px rgba(15,23,42,0.08);
  --shadow-blue: 0 8px 24px rgba(26,111,212,0.22);
  --shadow-navy: 0 8px 24px rgba(11,31,58,0.22);

  /* Transitions */
  --ease:       cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in:    cubic-bezier(0.4, 0, 1, 1);
  --ease-out:   cubic-bezier(0, 0, 0.2, 1);
  --duration-fast: 120ms;
  --duration:      200ms;
  --duration-slow: 350ms;

  /* Layout */
  --max-w:       1160px;
  --max-w-prose: 720px;
  --max-w-sm:    560px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font);
  font-size: var(--text-base);
  color: var(--text-primary);
  background: var(--bg-base);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  line-height: 1.6;
}

/* ── Typography System ── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.03em;
  color: var(--text-primary);
}

h1 { font-size: clamp(36px, 5vw, 60px); letter-spacing: -0.04em; }
h2 { font-size: clamp(26px, 3.5vw, 42px); letter-spacing: -0.03em; }
h3 { font-size: clamp(20px, 2.5vw, 28px); letter-spacing: -0.02em; }
h4 { font-size: var(--text-xl); font-weight: 700; letter-spacing: -0.01em; }
h5 { font-size: var(--text-lg); font-weight: 700; }
h6 { font-size: var(--text-base); font-weight: 700; }

p { line-height: 1.7; color: var(--text-secondary); }
p + p { margin-top: var(--space-4); }

a { color: var(--brand-blue); text-decoration: none; transition: color var(--duration-fast); }
a:hover { color: var(--brand-blue-lt); }

strong { font-weight: 700; color: var(--text-primary); }

/* Hero stat numbers must always be white on dark backgrounds */
.hero-stat strong,
.hero-stats strong,
.hero-stats .hero-stat strong,
.page-hero .hero-stat strong,
.hero-section .hero-stat strong { color: #ffffff !important; }
.hero-stat,
.hero-stats .hero-stat { color: rgba(255,255,255,0.9) !important; }
em { font-style: italic; }

small { font-size: var(--text-sm); }

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

/* ── Layout ── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

.container-sm {
  max-width: var(--max-w-sm);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

.container-prose {
  max-width: var(--max-w-prose);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

section { padding: var(--space-24) 0; }

/* ── Section Labels ── */
.label {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--brand-blue);
  margin-bottom: var(--space-3);
}

.label-dot {
  width: 6px;
  height: 6px;
  background: var(--brand-blue);
  border-radius: var(--r-full);
  flex-shrink: 0;
}

/* ── Premium Button System ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-family: var(--font);
  font-size: var(--text-base);
  font-weight: 600;
  line-height: 1;
  padding: 12px 22px;
  border-radius: var(--r-full);
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--duration) var(--ease);
  white-space: nowrap;
  -webkit-user-select: none;
  user-select: none;
}

.btn:hover { text-decoration: none; }

/* Primary — Navy fill */
.btn-primary {
  background: var(--brand-navy);
  color: var(--n-0);
  box-shadow: 0 2px 8px rgba(11,31,58,0.20), inset 0 1px 0 rgba(255,255,255,0.06);
}
.btn-primary:hover {
  background: #0d2647;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(11,31,58,0.28), inset 0 1px 0 rgba(255,255,255,0.06);
  color: var(--n-0);
}
.btn-primary:active { transform: translateY(0); box-shadow: 0 2px 8px rgba(11,31,58,0.20); }

/* Blue fill */
.btn-blue {
  background: var(--brand-blue);
  color: var(--n-0);
  box-shadow: 0 2px 8px rgba(26,111,212,0.22), inset 0 1px 0 rgba(255,255,255,0.10);
}
.btn-blue:hover {
  background: #1560bb;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(26,111,212,0.32);
  color: var(--n-0);
}

/* Ghost / outline */
.btn-outline {
  background: transparent;
  color: var(--text-primary);
  border: 1.5px solid var(--border-default);
  box-shadow: var(--shadow-xs);
}
.btn-outline:hover {
  background: var(--bg-subtle);
  border-color: var(--n-400);
  transform: translateY(-1px);
  color: var(--text-primary);
}

/* Ghost blue */
.btn-ghost-blue {
  background: var(--blue-lt);
  color: var(--brand-blue);
  border: 1.5px solid rgba(26,111,212,0.15);
}
.btn-ghost-blue:hover {
  background: #dbeafe;
  transform: translateY(-1px);
  color: var(--brand-blue);
}

/* Apply Now — high-conversion green */
.btn-apply-cta {
  background: linear-gradient(135deg, #16A34A, #15803D);
  color: var(--n-0);
  font-size: var(--text-sm);
  font-weight: 700;
  padding: 11px 20px;
  border-radius: var(--r-full);
  box-shadow: 0 2px 8px rgba(22,163,74,0.25);
  transition: all var(--duration) var(--ease);
}
.btn-apply-cta:hover {
  background: linear-gradient(135deg, #15803D, #166534);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(22,163,74,0.35);
  color: var(--n-0);
}

/* Button sizes */
.btn-sm  { font-size: var(--text-sm); padding: 8px 16px; }
.btn-lg  { font-size: var(--text-md); padding: 15px 28px; }
.btn-xl  { font-size: var(--text-lg); padding: 18px 36px; }

/* ── Badge System ── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.03em;
  padding: 4px 10px;
  border-radius: var(--r-full);
  white-space: nowrap;
}

.badge-blue    { background: var(--blue-lt); color: var(--brand-blue); }
.badge-green   { background: var(--green-lt); color: var(--green); }
.badge-amber   { background: var(--amber-lt); color: var(--amber); }
.badge-red     { background: var(--red-lt); color: var(--red); }
.badge-navy    { background: var(--brand-navy); color: var(--n-0); }
.badge-outline { background: transparent; border: 1.5px solid var(--border-default); color: var(--text-secondary); }
.badge-featured { background: linear-gradient(135deg, #1A6FD4, #0EA5E9); color: var(--n-0); }

/* ── Card System ── */
.card {
  background: var(--n-0);
  border: 1px solid var(--border-subtle);
  border-radius: var(--r-xl);
  padding: var(--space-6);
  transition: all var(--duration) var(--ease);
}

.card:hover {
  border-color: var(--n-300);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.card-featured {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 1px var(--brand-blue), var(--shadow-md);
}

.card-surface {
  background: var(--bg-subtle);
  border-color: var(--border-subtle);
}

/* ── Product Card — Premium ── */
.product-card {
  background: var(--n-0);
  border: 1px solid var(--border-subtle);
  border-radius: var(--r-xl);
  padding: var(--space-6);
  position: relative;
  transition: all var(--duration) var(--ease);
  display: flex;
  flex-direction: column;
}

.product-card:hover {
  border-color: var(--n-300);
  box-shadow: var(--shadow-xl);
  transform: translateY(-3px);
}

.product-card.featured {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 1px rgba(26,111,212,0.3), var(--shadow-md);
}

.product-card.featured::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-teal));
  border-radius: var(--r-xl) var(--r-xl) 0 0;
}

/* ── Score Ring ── */
.score-ring {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--r-full);
  font-size: var(--text-sm);
  font-weight: 800;
  flex-shrink: 0;
}

.score-ring-9 { background: #DCFCE7; color: #15803D; }
.score-ring-8 { background: #D1FAE5; color: #059669; }
.score-ring-7 { background: #FEF3C7; color: #D97706; }
.score-ring-6 { background: #FEE2E2; color: #DC2626; }

/* ── Divider ── */
.divider {
  height: 1px;
  background: var(--border-subtle);
  margin: var(--space-6) 0;
}

/* ── Disclosure Banner — Premium ── */
.disclosure-bar {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  background: var(--blue-lt);
  border: 1px solid rgba(26,111,212,0.12);
  border-radius: var(--r-lg);
  padding: var(--space-4) var(--space-5);
  margin-bottom: var(--space-4);
}

.disclosure-bar .disc-icon {
  width: 28px;
  height: 28px;
  background: rgba(26,111,212,0.10);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand-blue);
  flex-shrink: 0;
  margin-top: 1px;
}

.disclosure-bar .disc-icon svg { width: 14px; height: 14px; stroke-width: 2; fill: none; }

.disclosure-bar p {
  font-size: var(--text-sm);
  color: #1E40AF;
  margin: 0;
  line-height: 1.65;
}

.disclosure-bar a { color: #1E40AF; font-weight: 700; text-decoration: underline; }

.warning-bar {
  background: #FFFBEB;
  border-color: rgba(217,119,6,0.15);
}

.warning-bar .disc-icon {
  background: rgba(217,119,6,0.10);
  color: var(--amber);
}

.warning-bar p { color: #92400E; }

/* ── Trust Bar ── */
.trust-bar {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--text-secondary);
}

.trust-item svg { width: 15px; height: 15px; stroke-width: 2; fill: none; color: var(--green); }

/* ── Stats ── */
.stat-block { text-align: center; }
.stat-number {
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 900;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--brand-navy);
  margin-bottom: var(--space-2);
}
.stat-number span {
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-teal));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.stat-label {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--text-secondary);
}

/* ── Feature Grid ── */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-5);
}

@media (max-width: 900px) { .feature-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .feature-grid { grid-template-columns: 1fr; } }

.feature-card {
  padding: var(--space-8);
  border-radius: var(--r-xl);
  border: 1px solid var(--border-subtle);
  background: var(--n-0);
  transition: all var(--duration) var(--ease);
}

.feature-card:hover {
  border-color: var(--n-300);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.feature-icon-wrap {
  width: 44px;
  height: 44px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
  background: var(--blue-lt);
  color: var(--brand-blue);
}

.feature-icon-wrap svg { width: 22px; height: 22px; stroke-width: 1.5; fill: none; }

.feature-title {
  font-size: var(--text-lg);
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: var(--space-2);
  letter-spacing: -0.02em;
}

.feature-desc {
  font-size: var(--text-base);
  color: var(--text-secondary);
  line-height: 1.65;
}

/* ── Category Card ── */
.cat-card-premium {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--r-lg);
  text-decoration: none;
  transition: all var(--duration) var(--ease);
  position: relative;
  overflow: hidden;
}

.cat-card-premium::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.04), transparent);
  opacity: 0;
  transition: opacity var(--duration);
}

.cat-card-premium:hover {
  background: rgba(255,255,255,0.09);
  border-color: rgba(255,255,255,0.15);
  transform: translateY(-2px);
  text-decoration: none;
}

.cat-card-premium:hover::before { opacity: 1; }

.cat-icon-wrap {
  width: 40px;
  height: 40px;
  border-radius: var(--r-sm);
  background: rgba(255,255,255,0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: rgba(255,255,255,0.85);
}

.cat-icon-wrap svg { width: 20px; height: 20px; stroke-width: 1.5; fill: none; }

.cat-text { flex: 1; min-width: 0; }
.cat-name-premium { font-size: var(--text-base); font-weight: 700; color: var(--n-0); }
.cat-count-premium { font-size: var(--text-xs); color: rgba(255,255,255,0.45); font-weight: 500; margin-top: 2px; }

.cat-arrow-premium {
  color: rgba(255,255,255,0.25);
  flex-shrink: 0;
  transition: transform var(--duration) var(--ease), color var(--duration);
}

.cat-card-premium:hover .cat-arrow-premium {
  transform: translateX(3px);
  color: rgba(255,255,255,0.55);
}

.cat-arrow-premium svg { width: 16px; height: 16px; stroke-width: 2; fill: none; }

/* ── Reviewed Date ── */
.reviewed-date {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--n-400);
  margin-bottom: var(--space-3);
}

.reviewed-date svg { width: 11px; height: 11px; stroke-width: 2; fill: none; }

/* ── Score Bar ── */
.score-bar-wrap { margin-bottom: var(--space-3); }
.score-bar-label {
  display: flex;
  justify-content: space-between;
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 5px;
}

.score-bar-track {
  height: 6px;
  background: var(--n-100);
  border-radius: var(--r-full);
  overflow: hidden;
}

.score-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-teal));
  border-radius: var(--r-full);
  transition: width 0.8s var(--ease);
}

/* ── Highlight Box ── */
.highlight-box {
  background: var(--blue-lt);
  border: 1px solid rgba(26,111,212,0.12);
  border-radius: var(--r-lg);
  padding: var(--space-5) var(--space-6);
}

.highlight-box-amber {
  background: var(--amber-lt);
  border-color: rgba(217,119,6,0.15);
}

.highlight-box-green {
  background: var(--green-lt);
  border-color: rgba(22,163,74,0.15);
}

/* ── Table — Premium ── */
.premium-table {
  width: 100%;
  border-collapse: collapse;
  font-size: var(--text-sm);
}

.premium-table th {
  background: var(--brand-navy);
  color: var(--n-0);
  font-weight: 700;
  font-size: var(--text-xs);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 14px 16px;
  text-align: left;
}

.premium-table th:first-child { border-radius: var(--r-sm) 0 0 0; }
.premium-table th:last-child  { border-radius: 0 var(--r-sm) 0 0; }

.premium-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--border-subtle);
  color: var(--text-secondary);
  vertical-align: middle;
}

.premium-table tr:nth-child(even) td { background: var(--bg-subtle); }
.premium-table tr:last-child td { border-bottom: none; }
.premium-table tr:hover td { background: var(--blue-lt); }

.premium-table td:first-child { font-weight: 600; color: var(--text-primary); }

/* ── Input — Premium ── */
.input-premium {
  width: 100%;
  font-family: var(--font);
  font-size: var(--text-base);
  color: var(--text-primary);
  background: var(--n-0);
  border: 1.5px solid var(--border-default);
  border-radius: var(--r-md);
  padding: 12px 16px;
  outline: none;
  transition: border-color var(--duration-fast), box-shadow var(--duration-fast);
  -webkit-appearance: none;
}

.input-premium:focus {
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 3px rgba(26,111,212,0.12);
}

.input-premium::placeholder { color: var(--n-400); }

/* ── Filter Chips ── */
.filter-row {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  flex-wrap: wrap;
  margin-bottom: var(--space-8);
}

.filter-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--text-secondary);
  background: var(--n-0);
  border: 1.5px solid var(--border-default);
  border-radius: var(--r-full);
  padding: 7px 16px;
  cursor: pointer;
  transition: all var(--duration-fast);
  white-space: nowrap;
}

.filter-chip:hover {
  border-color: var(--brand-blue);
  color: var(--brand-blue);
  background: var(--blue-lt);
}

.filter-chip.active {
  background: var(--brand-navy);
  border-color: var(--brand-navy);
  color: var(--n-0);
}

/* ── Breadcrumb ── */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: var(--text-tertiary);
  margin-bottom: var(--space-6);
  flex-wrap: wrap;
}

.breadcrumb a { color: var(--text-tertiary); font-weight: 500; }
.breadcrumb a:hover { color: var(--brand-blue); }
.breadcrumb-sep { color: var(--n-300); }
.breadcrumb-current { color: var(--text-secondary); font-weight: 600; }

/* ── Author Block ── */
.author-block {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  background: var(--bg-subtle);
  border: 1px solid var(--border-subtle);
  border-radius: var(--r-lg);
  margin: var(--space-8) 0;
}

.author-avatar {
  width: 48px;
  height: 48px;
  border-radius: var(--r-full);
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-teal));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--text-lg);
  font-weight: 800;
  color: var(--n-0);
  flex-shrink: 0;
}

.author-name { font-size: var(--text-base); font-weight: 700; color: var(--text-primary); }
.author-title { font-size: var(--text-sm); color: var(--text-secondary); margin-top: 2px; }
.author-meta { font-size: var(--text-xs); color: var(--text-tertiary); margin-top: 4px; }

/* ── Callout Box ── */
.callout {
  display: flex;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  border-radius: var(--r-lg);
  margin: var(--space-8) 0;
}

.callout-blue  { background: var(--blue-lt); border-left: 3px solid var(--brand-blue); }
.callout-green { background: var(--green-lt); border-left: 3px solid var(--green); }
.callout-amber { background: var(--amber-lt); border-left: 3px solid var(--amber); }

.callout-icon { flex-shrink: 0; margin-top: 2px; }
.callout-icon svg { width: 18px; height: 18px; stroke-width: 1.75; fill: none; }
.callout-blue  .callout-icon { color: var(--brand-blue); }
.callout-green .callout-icon { color: var(--green); }
.callout-amber .callout-icon { color: var(--amber); }

.callout-content p { font-size: var(--text-base); margin: 0; line-height: 1.65; }
.callout-blue  .callout-content p { color: #1E40AF; }
.callout-green .callout-content p { color: #166534; }
.callout-amber .callout-content p { color: #92400E; }

/* ── Sticky CTA Bar ── */
.sticky-cta {
  position: sticky;
  bottom: var(--space-5);
  z-index: 100;
  display: flex;
  justify-content: center;
  pointer-events: none;
}

.sticky-cta-inner {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  background: var(--brand-navy);
  color: var(--n-0);
  padding: var(--space-4) var(--space-6);
  border-radius: var(--r-full);
  box-shadow: var(--shadow-2xl);
  pointer-events: all;
  max-width: 560px;
  width: 100%;
}

.sticky-cta-text { flex: 1; font-size: var(--text-sm); font-weight: 600; }
.sticky-cta-text span { color: var(--brand-teal); }

/* ── Scroll Animations ── */
@keyframes wiqReveal{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.fade-in{animation:wiqReveal .55s ease .05s both;}

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

/* ── Skeleton Loading ── */
.skeleton {
  background: linear-gradient(90deg, var(--n-100) 25%, var(--n-150) 50%, var(--n-100) 75%);
  background-size: 200% 100%;
  animation: shimmer 1.5s infinite;
  border-radius: var(--r-sm);
}

@keyframes shimmer {
  0%   { background-position: 200% 0; }
  100% { background-position: -200% 0; }
}

/* ── Pulse animation ── */
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.6; transform: scale(0.9); }
}

/* ── Float animation ── */
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}

/* ── Utility Classes ── */
.text-center { text-align: center; }
.text-left   { text-align: left; }
.text-right  { text-align: right; }

.text-primary   { color: var(--text-primary) !important; }
.text-secondary { color: var(--text-secondary) !important; }
.text-tertiary  { color: var(--text-tertiary) !important; }
.text-blue      { color: var(--brand-blue) !important; }
.text-green     { color: var(--green) !important; }
.text-amber     { color: var(--amber) !important; }
.text-white     { color: var(--n-0) !important; }

.bg-base    { background: var(--bg-base); }
.bg-subtle  { background: var(--bg-subtle); }
.bg-navy    { background: var(--brand-navy); }
.bg-blue    { background: var(--brand-blue); }

.font-medium { font-weight: 500; }
.font-semi   { font-weight: 600; }
.font-bold   { font-weight: 700; }
.font-black  { font-weight: 900; }

.rounded-full { border-radius: var(--r-full); }
.rounded-lg   { border-radius: var(--r-lg); }
.rounded-xl   { border-radius: var(--r-xl); }

.shadow-sm { box-shadow: var(--shadow-sm); }
.shadow-md { box-shadow: var(--shadow-md); }
.shadow-lg { box-shadow: var(--shadow-lg); }

.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.items-start  { align-items: flex-start; }
.justify-between { justify-content: space-between; }
.justify-center  { justify-content: center; }
.gap-2 { gap: var(--space-2); }
.gap-3 { gap: var(--space-3); }
.gap-4 { gap: var(--space-4); }
.gap-6 { gap: var(--space-6); }

.mt-2 { margin-top: var(--space-2); }
.mt-4 { margin-top: var(--space-4); }
.mt-6 { margin-top: var(--space-6); }
.mt-8 { margin-top: var(--space-8); }
.mb-2 { margin-bottom: var(--space-2); }
.mb-4 { margin-bottom: var(--space-4); }
.mb-6 { margin-bottom: var(--space-6); }
.mb-8 { margin-bottom: var(--space-8); }

.p-4 { padding: var(--space-4); }
.p-6 { padding: var(--space-6); }
.p-8 { padding: var(--space-8); }

.w-full { width: 100%; }
.max-w-prose { max-width: var(--max-w-prose); }
.mx-auto { margin-left: auto; margin-right: auto; }

.opacity-0 { opacity: 0; }
.opacity-50 { opacity: 0.5; }
.opacity-70 { opacity: 0.7; }

.pointer { cursor: pointer; }
.no-select { user-select: none; }
.overflow-hidden { overflow: hidden; }
.relative { position: relative; }
.absolute { position: absolute; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .container { padding: 0 var(--space-5); }
  section { padding: var(--space-20) 0; }
}

@media (max-width: 768px) {
  .container { padding: 0 var(--space-4); }
  section { padding: var(--space-16) 0; }
  h1 { letter-spacing: -0.03em; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .trust-bar { gap: var(--space-4); }
}

@media (max-width: 560px) {
  section { padding: var(--space-12) 0; }
  .feature-grid { grid-template-columns: 1fr; }
  .filter-row { gap: var(--space-2); }
  .sticky-cta-inner { flex-direction: column; text-align: center; }
}

/* ── Print ── */
@media print {
  .sticky-cta, #navbar, .nav-hamburger { display: none !important; }
  body { font-size: 12pt; }
}

/* ═══════════════════════════════════════════════════════════════════════════
   PREMIUM NAVBAR v4.0
   ═══════════════════════════════════════════════════════════════════════════ */

#navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index:9000;
  background: rgba(255,255,255,0.96);
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s, box-shadow 0.2s;
  height: 64px;
  overflow: visible;
}
#navbar::before {
  content: '';
  position: absolute; inset: 0;
  backdrop-filter: blur(12px) saturate(180%);
  -webkit-backdrop-filter: blur(12px) saturate(180%);
  z-index: -1;
  pointer-events: none;
}
#navbar.scrolled {
  border-bottom-color: var(--n-200);
  box-shadow: 0 1px 0 var(--n-100), 0 4px 24px rgba(11,31,58,0.06);
}
.nav-inner {
  max-width: var(--max-w); width: 100%; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 var(--space-6); height: 64px;
  overflow: visible;
  gap: 16px;
}
.nav-logo { display: flex; align-items: center; gap: 9px; text-decoration: none; flex-shrink: 0; }
.nav-logo-mark {
  width: 32px; height: 32px; border-radius: 8px;
  background: linear-gradient(135deg, var(--brand-navy) 0%, var(--brand-blue) 100%);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.nav-logo-mark svg { width: 18px; height: 18px; }
.nav-logo-name { font-size: 18px; font-weight: 800; color: var(--brand-navy); letter-spacing: -0.4px; }
.nav-links { display: flex; align-items: center; gap: 2px; flex: 0 0 auto; justify-content: center; overflow: visible; }
.nav-link {
  font-size: 14px; font-weight: 500; color: var(--n-600);
  padding: 6px 11px; border-radius: 7px; text-decoration: none; transition: all 0.15s; white-space: nowrap;
}
.nav-link:hover { color: var(--brand-navy); background: var(--n-100); }
.nav-link.active { color: var(--brand-navy); font-weight: 600; }
.nav-mega-wrapper { position: relative; }
.nav-mega-trigger {
  font-size: 14px; font-weight: 500; color: var(--n-600);
  padding: 6px 11px; border-radius: 7px; background: none; border: none; cursor: pointer;
  display: flex; align-items: center; gap: 4px; font-family: var(--font); transition: all 0.15s;
}
.nav-mega-trigger:hover { color: var(--brand-navy); background: var(--n-100); }
.nav-mega-trigger.active { color: var(--brand-navy); font-weight: 600; }
.nav-chevron { transition: transform 0.2s; }
.nav-mega-trigger.open .nav-chevron { transform: rotate(180deg); }
.nav-mega-panel {
  position: absolute; top: calc(100% + 12px); left: 50%;
  width: 520px; background: #FFFFFF; border: 1px solid var(--n-200);
  border-radius: var(--r-xl);
  box-shadow: 0 20px 60px rgba(11,31,58,0.14), 0 4px 16px rgba(11,31,58,0.06);
  opacity: 0; visibility: hidden; pointer-events: none;
  transform: translateX(-50%) translateY(-8px);
  transition: opacity 0.18s, transform 0.18s, visibility 0.18s; z-index: 9999;
}
.nav-mega-panel.open {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
z-index:9999;}
.nav-mega-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 20px 12px; border-bottom: 1px solid var(--n-100);
}
.nav-mega-header-label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--n-400); }
.nav-mega-view-all { font-size: 12px; font-weight: 600; color: var(--brand-blue); text-decoration: none; transition: opacity 0.15s; }
.nav-mega-view-all:hover { opacity: 0.75; }
.nav-mega-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; padding: 8px; }
.nav-tools-wrapper .nav-mega-panel { width: 560px; }
.nav-mega-item { display: flex; align-items: flex-start; gap: 12px; padding: 12px 14px; border-radius: var(--r-md); text-decoration: none; transition: background 0.12s; }
.nav-mega-item:hover { background: var(--n-50); }
.nav-mega-icon {
  width: 36px; height: 36px; border-radius: 9px; background: var(--n-100);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--brand-navy); transition: background 0.12s;
}
.nav-mega-item:hover .nav-mega-icon { background: rgba(26,111,212,0.1); color: var(--brand-blue); }
.nav-mega-text { flex: 1; min-width: 0; }
.nav-mega-label { font-size: 13px; font-weight: 600; color: var(--brand-navy); line-height: 1.3; }
.nav-mega-desc { font-size: 12px; color: var(--n-500); margin-top: 2px; line-height: 1.4; }
/* ── Main-nav dropdown triggers (styled like .nav-link plain links) ── */
.nav-link-trigger {
  display: inline-flex; align-items: center; gap: 3px;
  font-size: 13px; font-weight: 500; color: var(--n-600);
  padding: 6px 7px; border-radius: 8px; border: none; background: none;
  cursor: pointer; white-space: nowrap; transition: color 0.15s, background 0.15s;
  font-family: var(--font); letter-spacing: -0.01em;
}
.nav-link-trigger:hover { color: var(--brand-navy); background: var(--n-100); }
.nav-link-trigger.active { color: var(--brand-navy); font-weight: 600; }
.nav-link-trigger.open .nav-chevron { transform: rotate(180deg); }
/* Compact 2-col panel for main-nav category dropdowns */
.nav-mega-panel--compact { width: 540px; }
.nav-mega-grid--2col { grid-template-columns: 1fr 1fr; }
.nav-mega-panel--compact .nav-mega-item { gap: 0; padding: 10px 14px; }
.nav-actions { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.nav-sim-btn {
  display: flex; align-items: center; gap: 6px;
  font-size: 13px; font-weight: 600; color: var(--brand-blue);
  padding: 7px 14px; border-radius: 8px; border: 1.5px solid rgba(26,111,212,0.25);
  text-decoration: none; transition: all 0.15s; white-space: nowrap;
}
.nav-sim-btn:hover, .nav-sim-btn.active { background: rgba(26,111,212,0.06); border-color: var(--brand-blue); }
.nav-cta {
  font-size: 13px; font-weight: 700; color: var(--white); background: var(--brand-navy);
  padding: 8px 18px; border-radius: 8px; text-decoration: none; transition: all 0.15s; white-space: nowrap;
}
.nav-cta:hover { background: var(--brand-blue); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(26,111,212,0.3); color: var(--white); }
.nav-hamburger { display: none; background: none; border: none; cursor: pointer; padding: 6px; border-radius: 7px; transition: background 0.15s; }
.nav-hamburger:hover { background: var(--n-100); }
.nav-hamburger span { display: block; width: 22px; height: 2px; background: var(--brand-navy); margin: 5px 0; border-radius: 2px; transition: all 0.25s; }
.nav-hamburger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.is-open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-hamburger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
#mobile-nav {
  position: fixed; top: 64px; left: 0; right: 0; bottom: 0;
  background: #FFFFFF; z-index: 999; overflow-y: auto;
  opacity: 0; transform: translateY(-8px);
  transition: opacity 0.22s, transform 0.22s; pointer-events: none;
  border-top: 1px solid var(--n-200);
}
#mobile-nav.open { opacity: 1; transform: translateY(0); pointer-events: auto; }
.mobile-nav-inner { padding: 16px 20px 32px; }
.mobile-nav-section { margin-bottom: 24px; }
.mobile-nav-section-label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--n-400); padding: 0 4px; margin-bottom: 8px; }
.mobile-nav-link { display: flex; align-items: center; padding: 11px 12px; border-radius: 9px; font-size: 15px; font-weight: 500; color: var(--brand-navy); text-decoration: none; transition: background 0.12s; }
.mobile-nav-link:hover { background: var(--n-50); }
.mobile-nav-highlight { color: var(--brand-blue); font-weight: 700; background: rgba(26,111,212,0.05); }
.mobile-nav-highlight:hover { background: rgba(26,111,212,0.1); }
.mobile-nav-cta { margin-top: 24px; }

/* ═══════════════════════════════════════════════════════════════════════════
   PREMIUM FOOTER v4.0
   ═══════════════════════════════════════════════════════════════════════════ */

#footer { background: var(--brand-navy); color: rgba(255,255,255,0.65); font-size: 14px; }
.footer-top {
  max-width: var(--max-w); margin: 0 auto;
  padding: 64px var(--space-6) 48px;
  display: grid; grid-template-columns: 280px 1fr; gap: 64px;
}
.footer-brand-col { display: flex; flex-direction: column; gap: 16px; }
.footer-logo { display: flex; align-items: center; gap: 9px; text-decoration: none; width: fit-content; }
.footer-logo-mark {
  width: 32px; height: 32px; border-radius: 8px;
  background: linear-gradient(135deg, rgba(255,255,255,0.15) 0%, rgba(255,255,255,0.08) 100%);
  border: 1px solid rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden; padding: 0;
}
.footer-logo-mark svg { width: 18px; height: 18px; }
.footer-logo-mark img { width: 32px; height: 32px; object-fit: cover; display: block; border-radius: 8px; }
.footer-logo-name { font-size: 18px; font-weight: 800; color: var(--white); letter-spacing: -0.4px; }
.footer-brand-desc { font-size: 14px; line-height: 1.65; color: rgba(255,255,255,0.5); max-width: 260px; }
.footer-trust-badges { display: flex; flex-direction: column; gap: 8px; margin-top: 4px; }
.footer-trust-badge { display: flex; align-items: center; gap: 7px; font-size: 12px; font-weight: 500; color: rgba(255,255,255,0.45); }
.footer-trust-badge svg { color: rgba(255,255,255,0.3); flex-shrink: 0; }
.footer-links-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.footer-col { display: flex; flex-direction: column; }
.footer-col-title { font-size: 11px; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 16px; }
.footer-col a { font-size: 14px; font-weight: 400; color: rgba(255,255,255,0.55); text-decoration: none; margin-bottom: 11px; transition: color 0.15s; }
.footer-col a:hover { color: var(--white); }
.footer-disclosure-bar {
  max-width: var(--max-w); margin: 0 auto; padding: 20px var(--space-6);
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex; align-items: flex-start; gap: 12px; color: rgba(255,255,255,0.35);
}
.footer-disclosure-bar svg { color: rgba(255,255,255,0.25); }
.footer-disclosure-bar p { font-size: 12px; line-height: 1.65; margin: 0; }
.footer-disclosure-bar strong { color: rgba(255,255,255,0.5); }
.footer-bottom {
  max-width: var(--max-w); margin: 0 auto; padding: 20px var(--space-6) 32px;
  border-top: 1px solid rgba(255,255,255,0.06); display: flex; flex-direction: column; gap: 10px;
}
.footer-copy { font-size: 13px; color: rgba(255,255,255,0.35); }
.footer-legal { font-size: 12px; color: rgba(255,255,255,0.25); line-height: 1.65; max-width: 900px; margin: 0; }
.footer-legal strong { color: rgba(255,255,255,0.4); }
.footer-legal a { color: rgba(255,255,255,0.4); text-decoration: underline; }
.footer-legal a:hover { color: rgba(255,255,255,0.65); }

/* ═══════════════════════════════════════════════════════════════════════════
   BREADCRUMB + PAGE HERO
   ═══════════════════════════════════════════════════════════════════════════ */

.breadcrumb { display: flex; align-items: center; gap: 6px; font-size: 13px; color: var(--n-400); }
.breadcrumb a { color: var(--n-500); text-decoration: none; font-weight: 500; }
.breadcrumb a:hover { color: var(--brand-blue); }
.breadcrumb-sep { color: var(--n-300); display: flex; align-items: center; }
.breadcrumb-current { color: var(--n-600); font-weight: 500; }

.page-hero {
  background: linear-gradient(160deg, var(--brand-navy) 0%, #1a3a6b 100%);
  padding: 80px 0 64px; position: relative; overflow: clip;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(28px, 4vw, 44px); font-weight: 900; color: var(--white); letter-spacing: -0.04em; line-height: 1.1; margin-bottom: 16px; }
.page-hero p { font-size: 17px; color: rgba(255,255,255,0.65); line-height: 1.6; max-width: 560px; margin-bottom: 0; }
.page-hero-meta { display: flex; align-items: center; gap: 20px; margin-top: 24px; flex-wrap: wrap; }
.page-hero-meta-item { display: flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 500; color: rgba(255,255,255,0.5); }

/* ═══════════════════════════════════════════════════════════════════════════
   PREMIUM ARTICLE LAYOUT
   ═══════════════════════════════════════════════════════════════════════════ */

.article-layout {
  display: grid; grid-template-columns: 1fr 320px; gap: 48px;
  max-width: var(--max-w); margin: 0 auto; padding: 48px var(--space-6) 80px; align-items: start;
}
.article-body { min-width: 0; }
.article-sidebar { position: sticky; top: 88px; }
.article-header { margin-bottom: 40px; }
.article-category-tag {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 12px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--brand-blue); background: rgba(26,111,212,0.08); padding: 5px 12px; border-radius: 100px; margin-bottom: 16px;
}
.article-title { font-size: clamp(26px, 3.5vw, 40px); font-weight: 900; color: var(--brand-navy); letter-spacing: -0.04em; line-height: 1.15; margin-bottom: 16px; }
.article-subtitle { font-size: 18px; color: var(--n-600); line-height: 1.6; margin-bottom: 24px; font-weight: 400; }
.article-meta { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; padding-bottom: 24px; border-bottom: 1px solid var(--n-200); }
.article-author { display: flex; align-items: center; gap: 10px; }
.article-author-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--brand-navy), var(--brand-blue));
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 800; color: var(--white); flex-shrink: 0;
}
.article-author-name { font-size: 14px; font-weight: 700; color: var(--brand-navy); }
.article-author-title { font-size: 12px; color: var(--n-500); }
.article-meta-divider { width: 1px; height: 28px; background: var(--n-200); }
.article-date, .article-read-time { font-size: 13px; color: var(--n-500); }
.article-content { font-size: 16px; line-height: 1.75; color: var(--n-700); }
.article-content h2 { font-size: 24px; font-weight: 800; color: var(--brand-navy); letter-spacing: -0.03em; margin: 40px 0 16px; }
.article-content h3 { font-size: 19px; font-weight: 700; color: var(--brand-navy); letter-spacing: -0.02em; margin: 32px 0 12px; }
.article-content p { margin-bottom: 20px; }
.article-content ul, .article-content ol { padding-left: 24px; margin-bottom: 20px; }
.article-content li { margin-bottom: 8px; }
.article-content strong { font-weight: 700; color: var(--brand-navy); }
.article-content a { color: var(--brand-blue); text-decoration: underline; }
.article-content blockquote {
  border-left: 3px solid var(--brand-blue); padding: 16px 20px; margin: 24px 0;
  background: rgba(26,111,212,0.04); border-radius: 0 var(--r-md) var(--r-md) 0;
  font-size: 17px; color: var(--brand-navy); font-style: italic;
}
.article-takeaway {
  background: linear-gradient(135deg, rgba(11,31,58,0.04), rgba(26,111,212,0.04));
  border: 1px solid rgba(26,111,212,0.15); border-radius: var(--r-xl); padding: 24px 28px; margin: 32px 0;
}
.article-takeaway-title { font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-blue); margin-bottom: 12px; }
.article-takeaway ul { padding-left: 20px; margin: 0; }
.article-takeaway li { font-size: 15px; color: var(--n-700); margin-bottom: 8px; }
.sidebar-widget { background: #FFFFFF; border: 1px solid var(--n-200); border-radius: var(--r-xl); padding: 24px; margin-bottom: 20px; box-shadow: 0 1px 4px rgba(11,31,58,0.04); }
.sidebar-widget-title { font-size: 14px; font-weight: 800; color: var(--brand-navy); margin-bottom: 16px; letter-spacing: -0.02em; }
.sidebar-offer-mini { display: flex; align-items: center; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--n-100); text-decoration: none; }
.sidebar-offer-mini:last-child { border-bottom: none; padding-bottom: 0; }
.sidebar-offer-mini:hover .sidebar-offer-name { color: var(--brand-blue); }
.sidebar-offer-logo { width: 40px; height: 40px; border-radius: 10px; background: var(--n-100); display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 900; color: var(--brand-navy); flex-shrink: 0; }
.sidebar-offer-name { font-size: 13px; font-weight: 700; color: var(--brand-navy); }
.sidebar-offer-sub { font-size: 12px; color: var(--n-500); margin-top: 1px; }

/* ── Responsive Navbar ── */
@media (max-width: 1280px) { .nav-mega-trigger { font-size: 13px; padding: 6px 7px; } .nav-link-trigger { font-size: 13px; padding: 6px 6px; } .nav-actions { gap: 6px; } }
@media (max-width: 1380px) { .nav-link-trigger { font-size: 12.5px; padding: 6px 6px; gap: 2px; } .nav-mega-trigger { font-size: 12.5px; padding: 6px 7px; } }
@media (max-width: 1200px) { .nav-link-trigger { font-size: 12px; padding: 6px 5px; gap: 2px; } .nav-mega-trigger { font-size: 12px; padding: 6px 6px; } }
@media (max-width: 1100px) { .nav-actions { gap: 4px; } .nav-sim-btn { padding: 6px 10px; font-size: 12px; } .nav-cta { padding: 7px 14px; font-size: 12px; } .nav-mega-wrapper:last-of-type { display: none; } }
@media (max-width: 1024px) { .nav-link { font-size: 13px; padding: 6px 9px; } .nav-mega-trigger { font-size: 12px; padding: 6px 6px; } .nav-link-trigger { font-size: 12px; padding: 6px 4px; gap: 2px; } }
@media (max-width: 960px) { .nav-sim-btn:not(:last-child) { display: none; } }
@media (max-width: 900px) { .nav-links { display: none; } .nav-actions { display: none; } .nav-hamburger { display: flex; flex-direction: column; } }

/* ── Responsive Footer ── */
@media (max-width: 1024px) { .footer-top { grid-template-columns: 1fr; gap: 40px; } .footer-links-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; } .footer-brand-desc { max-width: 100%; } }
@media (max-width: 640px) { .footer-top { padding: 48px var(--space-5) 32px; } .footer-links-grid { grid-template-columns: 1fr 1fr; gap: 20px; } }

/* ── Responsive Article ── */
@media (max-width: 900px) { .article-layout { grid-template-columns: 1fr; gap: 32px; } .article-sidebar { position: static; } }
@media (max-width: 640px) { .article-layout { padding: 32px var(--space-4) 60px; } .article-title { font-size: 26px; } .article-content h2 { font-size: 21px; } }


/* ══════════════════════════════════════════════════════════
   PREMIUM DESIGN REFINEMENTS v10
   Typography · Spacing · Cards · Buttons · Trust Signals
══════════════════════════════════════════════════════════ */

/* ── GLOBAL TYPOGRAPHY REFINEMENTS ── */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

/* Tighter, more premium heading spacing */
h1, h2, h3, h4 {
  letter-spacing: -0.02em;
}

/* ── OFFER CARD PREMIUM REFINEMENTS ── */
.offer-card {
  border-radius: 18px !important;
  padding: 28px !important;
  border: 1px solid #E8ECF0 !important;
  box-shadow: 0 1px 4px rgba(0,0,0,0.04), 0 2px 12px rgba(0,0,0,0.04) !important;
  transition: transform 0.22s cubic-bezier(0.34,1.56,0.64,1), box-shadow 0.22s ease, border-color 0.22s ease !important;
}
.offer-card:hover {
  transform: translateY(-4px) !important;
  box-shadow: 0 8px 32px rgba(11,31,58,0.10), 0 2px 8px rgba(11,31,58,0.06) !important;
  border-color: #C7D7F0 !important;
}
.offer-card.featured-card {
  border-color: #1A6FD4 !important;
  box-shadow: 0 0 0 1px #1A6FD4, 0 8px 32px rgba(26,111,212,0.12) !important;
}

/* More breathing room inside cards */
.offer-card-header {
  margin-bottom: 18px !important;
}
.offer-headline {
  font-size: 20px !important;
  font-weight: 800 !important;
  line-height: 1.25 !important;
  letter-spacing: -0.3px !important;
  margin-bottom: 10px !important;
}
.offer-sub {
  font-size: 14px !important;
  line-height: 1.6 !important;
  color: #5A6472 !important;
  margin-bottom: 18px !important;
}
.offer-highlights {
  gap: 10px !important;
  margin-bottom: 20px !important;
}
.offer-highlight {
  font-size: 13.5px !important;
  color: #374151 !important;
  font-weight: 500 !important;
}
.offer-card-footer {
  padding-top: 18px !important;
  border-top: 1px solid #F0F2F5 !important;
}

/* Brand icon: cleaner, more modern */
.offer-brand-icon {
  width: 48px !important;
  height: 48px !important;
  border-radius: 12px !important;
  background: #F5F7FA !important;
  border: 1px solid #E8ECF0 !important;
}
.offer-brand-name {
  font-size: 15px !important;
  font-weight: 700 !important;
  color: #0B1F3A !important;
}
.offer-brand-sub {
  font-size: 12px !important;
  color: #8A95A3 !important;
}

/* ── CTA BUTTON PREMIUM REFINEMENTS ── */

/* Primary apply button — more premium feel */
.btn-apply {
  background: linear-gradient(135deg, #1A6FD4 0%, #0a7ea4 100%) !important;
  color: #ffffff !important;
  font-size: 14px !important;
  font-weight: 700 !important;
  padding: 11px 22px !important;
  border-radius: 100px !important;
  border: none !important;
  cursor: pointer !important;
  transition: all 0.2s cubic-bezier(0.34,1.56,0.64,1) !important;
  box-shadow: 0 2px 8px rgba(26,111,212,0.25), 0 1px 3px rgba(26,111,212,0.15) !important;
  letter-spacing: 0.01em !important;
  white-space: nowrap !important;
}
.btn-apply:hover {
  transform: translateY(-2px) scale(1.02) !important;
  box-shadow: 0 6px 20px rgba(26,111,212,0.35), 0 2px 8px rgba(26,111,212,0.20) !important;
}

/* Large apply button */
.btn-apply-lg {
  background: linear-gradient(135deg, #1A6FD4 0%, #0a7ea4 100%) !important;
  color: #ffffff !important;
  font-size: 15px !important;
  font-weight: 700 !important;
  padding: 14px 32px !important;
  border-radius: 100px !important;
  border: none !important;
  cursor: pointer !important;
  transition: all 0.2s cubic-bezier(0.34,1.56,0.64,1) !important;
  box-shadow: 0 4px 16px rgba(26,111,212,0.28), 0 1px 4px rgba(26,111,212,0.15) !important;
  letter-spacing: 0.01em !important;
}
.btn-apply-lg:hover {
  transform: translateY(-2px) scale(1.02) !important;
  box-shadow: 0 8px 28px rgba(26,111,212,0.38) !important;
}

/* Primary (navy) button refinement */
.btn-primary {
  background: #0B1F3A !important;
  color: #ffffff !important;
  font-weight: 700 !important;
  letter-spacing: 0.01em !important;
  box-shadow: 0 2px 8px rgba(11,31,58,0.18), 0 1px 3px rgba(11,31,58,0.12) !important;
  transition: all 0.2s cubic-bezier(0.34,1.56,0.64,1) !important;
}
.btn-primary:hover {
  background: #162C4F !important;
  transform: translateY(-2px) scale(1.01) !important;
  box-shadow: 0 6px 20px rgba(11,31,58,0.25) !important;
}

/* Outline button refinement */
.btn-outline {
  border: 1.5px solid #D1D9E0 !important;
  color: #0B1F3A !important;
  font-weight: 600 !important;
  transition: all 0.18s ease !important;
}
.btn-outline:hover {
  border-color: #1A6FD4 !important;
  color: #1A6FD4 !important;
  background: #F0F6FF !important;
}

/* ── SECTION HEADER REFINEMENTS ── */
.section-label {
  display: inline-flex !important;
  align-items: center !important;
  gap: 6px !important;
  font-size: 11px !important;
  font-weight: 800 !important;
  letter-spacing: 0.12em !important;
  text-transform: uppercase !important;
  color: #1A6FD4 !important;
  margin-bottom: 14px !important;
}
.section-title {
  font-size: clamp(24px, 3.2vw, 38px) !important;
  font-weight: 900 !important;
  letter-spacing: -0.03em !important;
  line-height: 1.12 !important;
  color: #0B1F3A !important;
  margin-bottom: 12px !important;
}
.section-sub {
  font-size: 16px !important;
  line-height: 1.65 !important;
  color: #5A6472 !important;
  max-width: 560px !important;
}

/* ── CONTENT SECTION WHITESPACE ── */
.content-section {
  padding: 80px 0 !important;
}
.top-offers-section {
  padding: 80px 0 !important;
}
.why-section {
  padding: 80px 0 !important;
}
.email-section {
  padding: 80px 0 !important;
}

/* ── TRUST BADGE REFINEMENTS ── */
.trust-bar {
  display: flex !important;
  align-items: center !important;
  gap: 20px !important;
  flex-wrap: wrap !important;
}
.trust-item {
  display: inline-flex !important;
  align-items: center !important;
  gap: 6px !important;
  font-size: 13px !important;
  font-weight: 600 !important;
  color: #374151 !important;
  background: rgba(55,65,81,0.06) !important;
  border: 1px solid rgba(55,65,81,0.12) !important;
  padding: 5px 12px !important;
  border-radius: 100px !important;
}
.trust-item svg { color: #16A34A !important; stroke: #16A34A !important; }

/* ── BADGE REFINEMENTS ── */
.badge {
  font-size: 11px !important;
  font-weight: 700 !important;
  padding: 4px 11px !important;
  border-radius: 100px !important;
  letter-spacing: 0.03em !important;
}
.badge-strong {
  background: rgba(16,185,129,0.10) !important;
  color: #059669 !important;
  border: 1px solid rgba(16,185,129,0.20) !important;
}
.badge-likely {
  background: rgba(26,111,212,0.08) !important;
  color: #1A6FD4 !important;
  border: 1px solid rgba(26,111,212,0.18) !important;
}
.badge-featured {
  background: rgba(245,158,11,0.10) !important;
  color: #B45309 !important;
  border: 1px solid rgba(245,158,11,0.20) !important;
}

/* ── FILTER CHIP REFINEMENTS ── */
.filter-chip {
  font-size: 13px !important;
  font-weight: 600 !important;
  padding: 8px 16px !important;
  border-radius: 100px !important;
  border: 1.5px solid #E2E8F0 !important;
  background: #ffffff !important;
  color: #374151 !important;
  cursor: pointer !important;
  transition: all 0.18s ease !important;
  white-space: nowrap !important;
}
.filter-chip:hover {
  border-color: #1A6FD4 !important;
  color: #1A6FD4 !important;
  background: #F0F6FF !important;
}
.filter-chip.active {
  background: #1A6FD4 !important;
  color: #ffffff !important;
  border-color: #1A6FD4 !important;
  box-shadow: 0 2px 8px rgba(26,111,212,0.25) !important;
}

/* ── CARD STATS ROW REFINEMENTS ── */
.card-stats {
  display: flex !important;
  gap: 24px !important;
  flex-wrap: wrap !important;
  padding: 16px 0 !important;
  border-top: 1px solid #F0F2F5 !important;
  margin-top: 4px !important;
}
.card-stat-label {
  font-size: 11px !important;
  font-weight: 600 !important;
  color: #8A95A3 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.07em !important;
  margin-bottom: 3px !important;
}
.card-stat-value {
  font-size: 16px !important;
  font-weight: 800 !important;
  color: #0B1F3A !important;
  letter-spacing: -0.02em !important;
}

/* ── COMPARISON TABLE REFINEMENTS ── */
.comparison-table th {
  background: #0B1F3A !important;
  font-size: 11px !important;
  letter-spacing: 0.08em !important;
  padding: 14px 18px !important;
}
.comparison-table td {
  padding: 14px 18px !important;
  font-size: 14px !important;
  border-bottom: 1px solid #F5F7FA !important;
  color: #374151 !important;
}
.comparison-table tr:hover td {
  background: #F8FAFC !important;
}

/* ── NAV CTA BUTTON REFINEMENT ── */
.nav-cta-btn {
  background: linear-gradient(135deg, #1A6FD4, #0a7ea4) !important;
  font-weight: 700 !important;
  letter-spacing: 0.01em !important;
  box-shadow: 0 2px 8px rgba(26,111,212,0.25) !important;
  transition: all 0.2s cubic-bezier(0.34,1.56,0.64,1) !important;
}
.nav-cta-btn:hover {
  transform: translateY(-1px) scale(1.02) !important;
  box-shadow: 0 4px 16px rgba(26,111,212,0.35) !important;
}

/* ── QUIZ OPTION REFINEMENTS ── */
.quiz-option {
  border-radius: 14px !important;
  padding: 14px 18px !important;
  border: 1.5px solid #E8ECF0 !important;
  transition: all 0.18s ease !important;
}
.quiz-option:hover {
  border-color: #1A6FD4 !important;
  background: #F5F9FF !important;
  transform: translateX(3px) !important;
}
.quiz-option.selected {
  border-color: #1A6FD4 !important;
  background: #EEF4FF !important;
  box-shadow: 0 0 0 3px rgba(26,111,212,0.12) !important;
}

/* ── FOOTER REFINEMENTS ── */
.footer-brand-desc {
  font-size: 14px !important;
  line-height: 1.65 !important;
  color: rgba(255,255,255,0.55) !important;
}
.footer-col-title {
  font-size: 11px !important;
  font-weight: 800 !important;
  letter-spacing: 0.10em !important;
  text-transform: uppercase !important;
  color: rgba(255,255,255,0.40) !important;
  margin-bottom: 16px !important;
}
.footer-link {
  font-size: 14px !important;
  color: rgba(255,255,255,0.65) !important;
  font-weight: 500 !important;
  transition: color 0.15s ease !important;
}
.footer-link:hover {
  color: #ffffff !important;
}

/* ── MOBILE RESPONSIVE REFINEMENTS ── */
@media (max-width: 768px) {
  .offer-card {
    padding: 20px !important;
    border-radius: 16px !important;
  }
  .content-section,
  .top-offers-section,
  .why-section,
  .email-section {
    padding: 56px 0 !important;
  }
  .section-title {
    font-size: clamp(22px, 6vw, 32px) !important;
  }
  .btn-apply-lg {
    font-size: 14px !important;
    padding: 12px 24px !important;
  }
}


/* ══════════════════════════════════════════════
   FAQ SECTION STYLES
   ══════════════════════════════════════════════ */
.article-faq {
    margin: 2.5rem 0;
    padding: 2rem;
    background: var(--surface, #f8fafc);
    border-radius: 12px;
    border: 1px solid var(--border, #e2e8f0);
}

.faq-item {
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--border, #e2e8f0);
}

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

.faq-question {
    font-size: 1rem;
    font-weight: 600;
    color: var(--foreground, #0f1f3d);
    margin-bottom: 0.5rem;
    line-height: 1.4;
}

.faq-answer {
    font-size: 0.9375rem;
    color: var(--muted, #64748b);
    line-height: 1.65;
    margin: 0;
}

/* ══════════════════════════════════════════════
   PERFORMANCE & RENDERING OPTIMIZATIONS
   ══════════════════════════════════════════════ */
img {
    max-width: 100%;
    height: auto;
}
body {
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
}
.offer-card, .cat-grid-item, .blog-card {
    contain: layout style;
}
.offer-card:hover, .cat-grid-item:hover {
    will-change: transform;
}
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}


/* ===== MOBILE VIEWPORT FIXES (375px–430px) ===== */
@media (max-width: 430px) {
  /* Prevent any element from overflowing the viewport */
  html, body { overflow-x: hidden; width: 100%; }
  .container { padding: 0 16px; max-width: 100%; }

  /* Hero grid — force single column on mobile */
  /* Note: grid items default to min-width:auto which can cause overflow. Fix with min-width:0 */
  .hero-grid { grid-template-columns: 1fr !important; gap: 24px !important; }
  .hero-grid > * { min-width: 0; overflow: hidden; }
  .hero-visual { display: none !important; }
  /* Hero H1 — force text wrap inside constrained grid cell */
  .hero h1 { white-space: normal !important; word-break: break-word !important; overflow-wrap: break-word !important; max-width: 100% !important; }

  /* Hero badge — allow text to wrap */
  .hero-badge { flex-wrap: wrap; gap: 4px; font-size: 12px; padding: 6px 12px; }

  /* Hero social proof stats — horizontal row, compact */
  .hero-social-proof { flex-direction: row !important; max-width: 100%; }
  .sp-item { flex: 1; border-right: 1px solid var(--n-200); border-bottom: none !important; padding: 10px 8px; }
  .sp-num { font-size: 20px !important; }
  .sp-label { font-size: 10px !important; }

  /* Hero text — prevent overflow */
  .hero h1 {
    font-size: clamp(26px, 7.5vw, 36px);
    letter-spacing: -0.5px;
    word-break: break-word;
    overflow-wrap: break-word;
  }
  .hero-sub {
    font-size: 15px;
    max-width: 100%;
  }
  .hero-social-proof {
    max-width: 100%;
  }

  /* Hero CTA button — full width on small screens */
  .btn-hero-primary {
    width: 100%;
    text-align: center;
    justify-content: center;
    font-size: 15px;
    padding: 14px 20px;
  }

  /* Hero shortcuts — horizontal scroll instead of overflow */
  .hero-shortcuts {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    flex-wrap: nowrap;
    padding-bottom: 4px;
    scrollbar-width: none;
  }
  .hero-shortcuts::-webkit-scrollbar { display: none; }
  .hero-shortcut-btn {
    flex-shrink: 0;
    font-size: 13px;
    padding: 8px 14px;
  }

  /* Navbar — ensure it fits on small screens */
  .nav-logo-text { font-size: 16px; }
  .nav-actions { gap: 6px; }
  .btn-nav-cta { font-size: 12px; padding: 7px 12px; }

  /* Calc panels — stack vertically on mobile */
  .calc-grid { grid-template-columns: 1fr !important; }
  .calc-panel { padding: 20px 16px; }
  .calc-stat-grid { grid-template-columns: 1fr 1fr; }
  .calc-stat.full-width { grid-column: 1 / -1; }

  /* Filter bar — horizontal scroll */
  .filter-bar {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    flex-wrap: nowrap;
    padding-bottom: 4px;
    scrollbar-width: none;
  }
  .filter-bar::-webkit-scrollbar { display: none; }
  .filter-chip { flex-shrink: 0; }

  /* Product cards — full width */
  .product-card, .offer-card, .lender-card {
    width: 100%;
  }

  /* Comparison table — horizontal scroll */
  .compare-table-wrap, .loan-compare-table {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  /* TOC — full width */
  .toc-box { margin: 0 0 24px; }

  /* Share bar — wrap on small screens */
  .share-bar { flex-wrap: wrap; gap: 8px; }

  /* Amortization table — horizontal scroll */
  .amort-table-wrap { overflow-x: auto; }

  /* Social proof stats — 2 columns */
  .stats-bar-row { grid-template-columns: 1fr 1fr !important; }

  /* Quiz modal — full width */
  .quiz-modal, .quiz-card {
    width: 100% !important;
    max-width: 100% !important;
    border-radius: 16px 16px 0 0;
    margin: 0;
  }

  /* Lender alert banner — stack vertically */
  .lender-alert {
    flex-direction: column;
    gap: 8px;
    padding: 12px 14px;
  }
  .lender-alert-cta { width: 100%; text-align: center; }

  /* Sticky mobile bar — ensure it shows */
  .sticky-result-bar { padding: 10px 16px; }

  /* Print button — full width */
  .print-btn { width: 100%; justify-content: center; }

  /* Breadcrumbs — allow wrapping */
  .breadcrumb { flex-wrap: wrap; }

  /* Hero visual — hide on very small screens */
  .hero-visual { display: none !important; }

  /* Section headings */
  .section-title { font-size: clamp(22px, 6vw, 32px); }
  .section-sub { font-size: 14px; }
}

/* ===== TABLET FIXES (431px–768px) ===== */
@media (min-width: 431px) and (max-width: 768px) {
  .hero h1 { font-size: clamp(28px, 5.5vw, 44px); }
  .calc-grid { grid-template-columns: 1fr !important; }
  .hero-shortcuts {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    flex-wrap: nowrap;
    scrollbar-width: none;
  }
  .hero-shortcuts::-webkit-scrollbar { display: none; }
}



/* Hide search on mobile - hamburger menu handles navigation */
@media (max-width: 900px) {
  .nav-search-wrap { display: none; }
}
/* Shrink search on mid-range screens */
@media (max-width: 1280px) {
  .nav-search-form { width: 160px; }
}
@media (max-width: 1100px) {
  .nav-search-form { width: 130px; }
  .nav-search-input::placeholder { font-size: 11px; }
}



/* Core navbar container */
#navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: 60px; padding: 0 20px;
  display: flex; align-items: center;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(0,0,0,0.07);
  transition: box-shadow 0.3s;
  overflow: visible;
}
#navbar.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.09); }

/* Inner wrapper: logo | search | [flex spacer] | nav-links | actions | hamburger */
.nav-inner {
  max-width: 1440px; width: 100%; margin: 0 auto;
  display: flex; align-items: center;
  gap: 0;
  overflow: visible;
}

/* Logo — fixed width, no shrink */
.nav-logo {
  display: flex; align-items: center; gap: 8px;
  text-decoration: none; flex-shrink: 0;
  margin-right: 16px;
}
.nav-logo-mark {
  width: 32px; height: 32px; background: var(--navy, #0B1F3A);
  border-radius: 8px; display: flex; align-items: center;
  justify-content: center; overflow: hidden; padding: 0; flex-shrink: 0;
}
.nav-logo-mark img { width: 32px; height: 32px; object-fit: cover; display: block; border-radius: 8px; }
.nav-logo-name { font-size: 17px; font-weight: 800; color: var(--navy, #0B1F3A); letter-spacing: -0.3px; white-space: nowrap; }

/* ── SEARCH BAR — left side, after logo ── */
.nav-search-wrap {
  position: relative;
  flex: 0 0 220px;          /* fixed width, right side */
  margin-left: 12px;
  margin-right: 0;
  order: 3;                  /* right side, after nav-links */
}
.nav-search-form {
  display: flex; align-items: center;
  background: #f5f7fa;
  border: 1.5px solid #e2e8f0;
  border-radius: 22px;
  padding: 0 12px;
  height: 34px; gap: 6px;
  transition: border-color 0.15s, box-shadow 0.15s, background 0.15s;
  width: 100%;
}
.nav-search-form:focus-within {
  border-color: #1a6fd4;
  box-shadow: 0 0 0 3px rgba(26,111,212,0.12);
  background: #fff;
}
.nav-search-icon { color: #687076; flex-shrink: 0; }
.nav-search-input {
  border: none; background: transparent; outline: none;
  font-size: 13px; color: #11181C; width: 100%; min-width: 0;
  font-family: inherit;
}
.nav-search-input::placeholder { color: #9BA1A6; font-size: 12.5px; }

/* Autocomplete dropdown */
.nav-search-dropdown {
  position: absolute; top: calc(100% + 6px); left: 0;
  width: 320px;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  box-shadow: 0 12px 32px rgba(0,0,0,0.14);
  z-index: 99999; overflow: hidden;
  display: none;
}
.nav-search-dropdown-header {
  padding: 8px 14px 6px;
  font-size: 11px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.06em; color: #9BA1A6;
  border-bottom: 1px solid #f0f2f5;
}
.nav-search-result {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 14px; text-decoration: none;
  border-bottom: 1px solid #f5f7fa;
  transition: background 0.1s;
}
.nav-search-result:last-child { border-bottom: none; }
.nav-search-result:hover { background: #f0f6ff; text-decoration: none; }
.nav-search-result-icon {
  width: 28px; height: 28px; border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 14px;
}
.nav-search-result-text { flex: 1; min-width: 0; }
.nav-search-result-title {
  font-size: 13px; font-weight: 600; color: #11181C;
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
  display: block;
}
.nav-search-result-cat {
  font-size: 11px; color: #9BA1A6; margin-top: 1px; display: block;
}
.nav-search-no-results {
  padding: 14px; font-size: 13px; color: #9BA1A6; text-align: center;
}
.nav-search-footer {
  padding: 8px 14px;
  font-size: 12px; color: #687076;
  border-top: 1px solid #f0f2f5;
  background: #fafbfc;
  display: flex; align-items: center; gap: 6px;
}
.nav-search-footer kbd {
  background: #e9ecef; border-radius: 4px;
  padding: 1px 5px; font-size: 11px; font-family: monospace;
}

/* ── NAV LINKS — center, compressed ── */
nav.nav-links {
  display: flex; align-items: center; gap: 0;
  flex: 1 1 auto;
  min-width: 0;
  overflow: hidden;
  order: 1;
}
.nav-links a,
.nav-links button.nav-link-trigger,
.nav-links button.nav-mega-trigger {
  font-size: 13px !important; font-weight: 500; color: #4B5563;
  padding: 6px 8px !important; border-radius: 7px;
  text-decoration: none; transition: color 0.15s, background 0.15s;
  display: inline-flex; align-items: center; gap: 2px;
  border: none; background: none; cursor: pointer;
  font-family: inherit; white-space: nowrap; line-height: 1;
  flex-shrink: 0;
}
.nav-links a:hover,
.nav-links button.nav-link-trigger:hover,
.nav-links button.nav-mega-trigger:hover {
  color: #0B1F3A; background: #f3f4f6;
}
.nav-links a.active,
.nav-links button.nav-link-trigger.active,
.nav-links button.nav-mega-trigger.active {
  color: #0B1F3A; font-weight: 600;
}

/* ── NAV ACTIONS — right side ── */
.nav-actions {
  display: flex; align-items: center; gap: 6px;
  flex-shrink: 0; margin-left: 8px;
  order: 2;
}
.nav-sim-btn {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 13px; font-weight: 500; color: #4B5563;
  padding: 6px 10px; border-radius: 7px;
  border: none; background: none; cursor: pointer;
  text-decoration: none; white-space: nowrap;
  transition: color 0.15s, background 0.15s;
}
.nav-sim-btn:hover, .nav-sim-btn.active {
  background: rgba(26,111,212,0.07); color: #1a6fd4;
  text-decoration: none;
}
.nav-cta {
  display: inline-flex; align-items: center;
  background: #0B1F3A; color: #fff !important;
  font-size: 13px; font-weight: 700; padding: 8px 16px;
  border-radius: 20px; text-decoration: none !important;
  transition: all 0.2s; white-space: nowrap;
  box-shadow: 0 2px 8px rgba(11,31,58,0.2);
}
.nav-cta:hover {
  background: #1a6fd4; transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(26,111,212,0.3);
  text-decoration: none !important; color: #fff !important;
}

/* Hamburger — mobile only */
.nav-hamburger {
  display: none; background: none; border: none;
  cursor: pointer; padding: 4px; flex-shrink: 0;
  margin-left: 8px; order: 4;
}
.nav-hamburger span {
  display: block; width: 22px; height: 2px;
  background: #0B1F3A; margin: 5px 0; border-radius: 2px;
  transition: all 0.3s;
}

/* ── RESPONSIVE BREAKPOINTS ── */

/* 1280px: shrink search slightly */
@media (max-width: 1280px) {
  .nav-search-wrap { flex: 0 0 180px; }
  .nav-links a, .nav-links button.nav-link-trigger, .nav-links button.nav-mega-trigger {
    font-size: 12.5px !important; padding: 5px 7px !important;
  }
}

/* 1100px: hide Compare & Score Simulator buttons, shrink search */
@media (max-width: 1100px) {
  .nav-search-wrap { flex: 0 0 160px; }
  .nav-sim-btn { display: none; }
  .nav-links a, .nav-links button.nav-link-trigger, .nav-links button.nav-mega-trigger {
    font-size: 12px !important; padding: 5px 6px !important;
  }
}

/* 960px: hide last nav item (More) */
@media (max-width: 960px) {
  .nav-mega-wrapper:last-of-type { display: none; }
  .nav-search-wrap { flex: 0 0 140px; }
}

/* 900px: mobile — hide nav-links, show hamburger */
@media (max-width: 900px) {
  nav.nav-links { display: none; }
  .nav-actions { display: none; }
  .nav-hamburger { display: flex; flex-direction: column; }
  .nav-search-wrap { flex: 1 1 auto; max-width: 240px; margin-left: 8px; margin-right: 0; }
  #navbar { padding: 0 16px; }
}

/* 480px: very small screens */
@media (max-width: 480px) {
  .nav-search-wrap { max-width: 180px; }
  .nav-logo-name { display: none; }
}



/* ═══════════════════════════════════════════════════════════════════════════
   WiseIQ v134.26 — Final Navbar Fix: Slim nav-actions, full nav-links
   ═══════════════════════════════════════════════════════════════════════════ */

/* nav-actions now only has the CTA button — make it slim */
.nav-actions {
  flex: 0 0 auto !important;
  display: flex !important;
  align-items: center !important;
  gap: 0 !important;
  margin-left: 12px !important;
  flex-shrink: 0 !important;
}

/* Remove old sim-btn styles that are no longer needed in nav-actions */
.nav-sim-btn { display: none !important; }
.nav-compare-btn { display: none !important; }

/* CTA button */
.nav-cta {
  display: inline-flex !important;
  align-items: center !important;
  background: var(--brand-navy, #0B1F3A) !important;
  color: #fff !important;
  font-size: 13px !important;
  font-weight: 700 !important;
  padding: 8px 16px !important;
  border-radius: 8px !important;
  text-decoration: none !important;
  white-space: nowrap !important;
  flex-shrink: 0 !important;
  transition: background 0.15s, transform 0.1s !important;
}
.nav-cta:hover {
  background: var(--brand-blue, #1a6fd4) !important;
}

/* nav-links: all available space between logo and CTA+search */
nav.nav-links {
  flex: 1 1 auto !important;
  display: flex !important;
  align-items: center !important;
  gap: 0 !important;
  overflow: visible !important;
  flex-wrap: nowrap !important;
  justify-content: flex-start !important;
}

/* Ensure all category trigger buttons are visible */
.nav-link-trigger,
.nav-mega-trigger {
  font-size: 13px !important;
  font-weight: 500 !important;
  padding: 6px 9px !important;
  white-space: nowrap !important;
  flex-shrink: 0 !important;
  display: inline-flex !important;
  visibility: visible !important;
  opacity: 1 !important;
}

/* Search bar: right side */
.nav-search-wrap {
  flex: 0 0 180px !important;
  order: 99 !important;
  margin-left: 10px !important;
  flex-shrink: 0 !important;
}

/* Responsive */
@media (max-width: 1280px) {
  .nav-search-wrap { flex: 0 0 160px !important; }
  .nav-link-trigger, .nav-mega-trigger { font-size: 12.5px !important; padding: 5px 8px !important; }
}
@media (max-width: 1100px) {
  .nav-search-wrap { flex: 0 0 140px !important; }
  .nav-link-trigger, .nav-mega-trigger { font-size: 12px !important; padding: 5px 6px !important; }
}
@media (max-width: 960px) {
  .nav-search-wrap { flex: 0 0 120px !important; }
  .nav-link-trigger, .nav-mega-trigger { font-size: 11.5px !important; padding: 5px 5px !important; }
}
@media (max-width: 900px) {
  nav.nav-links { display: none !important; }
  .nav-actions { display: none !important; }
  .nav-hamburger { display: flex !important; }
  .nav-search-wrap { flex: 1 1 auto !important; max-width: 200px !important; }
}

/* v134.28 - Hero H1 global white fix - prevents dark h1 in any hero section */
.hero h1, .hero-banner h1, .page-hero h1, .hub-hero h1, .article-hero h1 {
}
.hero h2, .hero-banner h2, .page-hero h2 {
}
.hero p, .hero .sub, .hero-banner p, .hero-banner .sub {
}


/* v134.28 - Hero H1 global white fix */
.hero h1,.hero-banner h1,.page-hero h1,.hub-hero h1,.article-hero h1{color:#fff!important;}
.hero h2,.hero-banner h2,.page-hero h2{color:rgba(255,255,255,0.92)!important;}
.hero p,.hero .sub,.hero-banner p,.hero-banner .sub{color:rgba(255,255,255,0.82)!important;}

/* == css/icons.v2.min.css == */
.icon{display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;vertical-align:middle;color:currentColor}.icon svg{display:block;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;fill:none}.icon-sm svg{width:16px;height:16px}.icon-md svg{width:20px;height:20px}.icon-lg svg{width:24px;height:24px}.icon-xl svg{width:32px;height:32px}.icon-muted{color:#94A3B8}.icon-slate{color:#64748B}.icon-blue{color:#1A6FD4}.icon-navy{color:#1A1A2E}.icon-green{color:#16A34A}.icon-amber{color:#D97706}.icon-red{color:#DC2626}.icon-white{color:#FFFFFF}.icon-box{display:inline-flex;align-items:center;justify-content:center;border-radius:10px;flex-shrink:0}.icon-box-sm{width:32px;height:32px}.icon-box-md{width:40px;height:40px}.icon-box-lg{width:48px;height:48px}.icon-box-xl{width:56px;height:56px}.icon-box-blue{background:rgba(26,111,212,0.08);color:#1A6FD4}.icon-box-green{background:rgba(22,163,74,0.08);color:#16A34A}.icon-box-amber{background:rgba(217,119,6,0.08);color:#D97706}.icon-box-red{background:rgba(220,38,38,0.08);color:#DC2626}.icon-box-slate{background:rgba(100,116,139,0.08);color:#64748B}.icon-box-navy{background:rgba(26,26,46,0.06);color:#1A1A2E}.icon-row{display:flex;align-items:center;gap:8px}.icon-row-sm{gap:6px}.icon-row-lg{gap:12px}.banner-info{display:flex;align-items:flex-start;gap:14px;background:#EFF6FF;border:1px solid #BFDBFE;border-radius:12px;padding:16px 20px;margin-bottom:16px}.banner-info .banner-icon{display:flex;align-items:center;justify-content:center;width:32px;height:32px;background:rgba(26,111,212,0.12);border-radius:8px;color:#1A6FD4;flex-shrink:0;margin-top:1px}.banner-info .banner-icon svg{width:16px;height:16px;stroke-width:2;fill:none}.banner-info p{font-size:13px;color:#1E40AF;margin:0;line-height:1.65}.banner-warning{display:flex;align-items:flex-start;gap:14px;background:#FFFBEB;border:1px solid #FDE68A;border-radius:12px;padding:16px 20px;margin-bottom:24px}.banner-warning .banner-icon{display:flex;align-items:center;justify-content:center;width:32px;height:32px;background:rgba(217,119,6,0.12);border-radius:8px;color:#D97706;flex-shrink:0;margin-top:1px}.banner-warning .banner-icon svg{width:16px;height:16px;stroke-width:2;fill:none}.banner-warning p{font-size:13px;color:#92400E;margin:0;line-height:1.65}.badge-icon{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;letter-spacing:0.3px;padding:4px 10px;border-radius:100px}.badge-icon svg{width:12px;height:12px;stroke-width:2;fill:none}.badge-icon-blue{background:rgba(26,111,212,0.10);color:#1A6FD4}.badge-icon-green{background:rgba(22,163,74,0.10);color:#16A34A}.badge-icon-amber{background:rgba(217,119,6,0.10);color:#D97706}.badge-icon-navy{background:rgba(26,26,46,0.08);color:#1A1A2E}.badge-icon-purple{background:rgba(124,58,237,0.10);color:#7C3AED}.type-chip{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:700;letter-spacing:0.4px;text-transform:uppercase;padding:4px 10px;border-radius:100px;margin-bottom:12px}.type-chip svg{width:12px;height:12px;stroke-width:2;fill:none}.type-chip-blue{background:rgba(26,111,212,0.08);color:#1A6FD4}.type-chip-green{background:rgba(22,163,74,0.08);color:#16A34A}.type-chip-purple{background:rgba(124,58,237,0.08);color:#7C3AED}.type-chip-amber{background:rgba(217,119,6,0.08);color:#D97706}.type-chip-slate{background:rgba(100,116,139,0.08);color:#64748B}.type-chip-teal{background:rgba(13,148,136,0.08);color:#0D9488}.perk-item{display:flex;align-items:flex-start;gap:8px;font-size:13px;color:#374151;font-weight:500;line-height:1.5}.perk-item .perk-icon{display:flex;align-items:center;justify-content:center;width:18px;height:18px;background:rgba(22,163,74,0.10);border-radius:50%;color:#16A34A;flex-shrink:0;margin-top:1px}.perk-item .perk-icon svg{width:10px;height:10px;stroke-width:2.5;fill:none}.section-label-icon{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:#1A6FD4;margin-bottom:12px}.section-label-icon svg{width:14px;height:14px;stroke-width:2;fill:none}.filter-chip-icon{display:inline-flex;align-items:center;gap:6px}.filter-chip-icon svg{width:14px;height:14px;stroke-width:1.75;fill:none}.stat-icon-row{display:flex;align-items:center;gap:10px}.stat-icon-box{display:flex;align-items:center;justify-content:center;width:40px;height:40px;background:rgba(26,111,212,0.08);border-radius:10px;color:#1A6FD4;flex-shrink:0}.stat-icon-box svg{width:20px;height:20px;stroke-width:1.5;fill:none}.card-reviewed-date{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;color:#94A3B8;margin-bottom:10px}.card-reviewed-date svg{width:12px;height:12px;stroke-width:1.75;fill:none;color:#94A3B8}.ribbon-editors-pick{position:absolute;top:0;right:0;display:flex;align-items:center;gap:5px;background:#1A6FD4;color:white;font-size:11px;font-weight:700;letter-spacing:0.3px;padding:5px 14px;border-radius:0 var(--radius-lg,12px) 0 10px}.ribbon-editors-pick svg{width:11px;height:11px;stroke-width:2;fill:none}@media (max-width:640px){.icon-box-xl{width:44px;height:44px}.icon-box-lg{width:40px;height:40px}}
/* == css/nav-fixes.css == */
/* ============================================================
   WiseIQ Nav Fixes — v1
   Fixes: (1) logo clipping, (2) nav centering, (3) dropdown overflow
   ============================================================ */

/* ── 1. Logo: stop clipping, use contain so full mark is visible ── */
.nav-logo-mark {
  width: auto !important;
  height: 36px !important;
  min-width: 36px !important;
  border-radius: 8px !important;
  background: transparent !important;
  overflow: visible !important;
  padding: 0 !important;
  display: flex !important;
  align-items: center !important;
  justify-content: flex-start !important;
  flex-shrink: 0 !important;
}

.nav-logo-mark img {
  width: auto !important;
  height: 36px !important;
  max-width: 120px !important;
  object-fit: contain !important;
  display: block !important;
  border-radius: 6px !important;
}

.nav-logo-mark svg {
  display: none !important;
}

/* ── 2. Nav centering: nav-inner uses flex with logo left, links centered, actions right ── */
.nav-inner {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  width: 100% !important;
  max-width: var(--max-w, 1280px) !important;
  margin: 0 auto !important;
  padding: 0 24px !important;
  gap: 0 !important;
  overflow: visible !important;
}

/* Logo stays left, fixed width so links can center */
.nav-logo {
  flex: 0 0 auto !important;
  display: flex !important;
  align-items: center !important;
  gap: 8px !important;
  text-decoration: none !important;
  margin-right: 0 !important;
}

/* Nav links: take all available space, centered between logo and actions */
nav.nav-links {
  flex: 1 1 auto !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 0 !important;
  overflow: visible !important;
  min-width: 0 !important;
}

/* Actions (CTA button + search): stay right, fixed width */
.nav-actions {
  flex: 0 0 auto !important;
  display: flex !important;
  align-items: center !important;
  gap: 8px !important;
  margin-left: 0 !important;
}

/* ── 3. Dropdown: prevent left-edge overflow ── */
/* The mega panel uses left:50% + translateX(-50%) relative to its trigger.
   When the trigger is the first item (Credit Cards), the panel overflows left.
   Fix: clamp the panel to never go left of 0, and use left:0 + no transform
   for the first dropdown trigger. */

/* General: ensure the wrapper is positioned so panel can be clamped */
.nav-mega-wrapper {
  position: relative !important;
}

/* Default panel: centered under trigger */
.nav-mega-panel {
  left: 50% !important;
  transform: translateX(-50%) translateY(6px) !important;
  min-width: 480px !important;
  max-width: 560px !important;
}

.nav-mega-panel.open {
  transform: translateX(-50%) translateY(0) !important;
}

/* First dropdown (Credit Cards): anchor to left edge of trigger, not center */
.nav-mega-wrapper:first-of-type .nav-mega-panel {
  left: 0 !important;
  transform: translateY(6px) !important;
}

.nav-mega-wrapper:first-of-type .nav-mega-panel.open {
  transform: translateY(0) !important;
}

/* Second dropdown (Personal Loans): slight left offset to stay on screen */
.nav-mega-wrapper:nth-of-type(2) .nav-mega-panel {
  left: -20px !important;
  transform: translateY(6px) !important;
}

.nav-mega-wrapper:nth-of-type(2) .nav-mega-panel.open {
  transform: translateY(0) !important;
}

/* == css/wiq-data-engine.css == */
/**
 * WiseIQ Data Engine — Personalization & Cohort Styles v1.0
 * ─────────────────────────────────────────────────────────────────
 * CSS for all data engine components:
 *  - Cohort personalization bar
 *  - Cohort-specific content variants
 *  - High-intent interstitial overlay
 *  - Article recommendation rail
 *  - Partner postback badge
 *  - PRS badge styles (used in partner dashboard)
 */

/* ── Cohort Bar ──────────────────────────────────────────────────── */
.wiq-cohort-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f0fdf4;
  border: 1px solid #86efac;
  border-radius: 8px;
  padding: 10px 16px;
  margin: 12px 0 16px;
  font-size: 13.5px;
  color: #166534;
}
@media (prefers-color-scheme: dark) {
  .wiq-cohort-bar { background: rgba(134,239,172,0.08); border-color: #16a34a; color: #86efac; }
}

.wiq-cohort-bar-icon {
  font-size: 16px;
  color: #16a34a;
  flex-shrink: 0;
}

.wiq-cohort-bar-text { flex: 1; }
.wiq-cohort-bar-text strong { font-weight: 700; }

.wiq-cohort-bar-reset {
  background: none;
  border: 1px solid #86efac;
  color: #166534;
  font-size: 12px;
  padding: 4px 10px;
  border-radius: 5px;
  cursor: pointer;
  flex-shrink: 0;
  transition: background 0.15s;
}
.wiq-cohort-bar-reset:hover { background: rgba(134,239,172,0.2); }

/* ── Cohort-specific card hiding ─────────────────────────────────── */
.wiq-cohort-hidden {
  display: none !important;
}

.wiq-show-all-btn {
  display: block;
  width: 100%;
  margin: 16px 0;
  padding: 12px;
  background: none;
  border: 1px dashed #cbd5e1;
  border-radius: 8px;
  color: #64748b;
  font-size: 14px;
  cursor: pointer;
  text-align: center;
  transition: border-color 0.15s, color 0.15s;
}
.wiq-show-all-btn:hover { border-color: #0a7ea4; color: #0a7ea4; }

/* ── Cohort badge on lender cards ────────────────────────────────── */
.wiq-cohort-badge {
  display: none; /* shown by JS when cohort is active */
  align-items: center;
  gap: 5px;
  background: #0a7ea4;
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 20px;
  letter-spacing: 0.3px;
  text-transform: uppercase;
}

/* Cohort-specific badge colors */
[data-cohort="credit-rebuilder"] .wiq-cohort-badge { background: #7c3aed; }
[data-cohort="speed-seeker"] .wiq-cohort-badge { background: #d97706; }
[data-cohort="debt-consolidator"] .wiq-cohort-badge { background: #0891b2; }
[data-cohort="first-timer"] .wiq-cohort-badge { background: #059669; }
[data-cohort="comparison-shopper"] .wiq-cohort-badge { background: #2563eb; }

/* ── High-Intent Interstitial Overlay ────────────────────────────── */
.wiq-interstitial-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.65);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9000;
  padding: 16px;
  animation: wiq-fade-in 0.25s ease;
}

@keyframes wiq-fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}

.wiq-interstitial-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px 28px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  animation: wiq-slide-up 0.3s ease;
}

@media (prefers-color-scheme: dark) {
  .wiq-interstitial-card { background: #1e2022; color: #ecedee; }
}

@keyframes wiq-slide-up {
  from { transform: translateY(24px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}

.wiq-interstitial-close {
  position: absolute;
  top: 12px; right: 14px;
  background: none;
  border: none;
  font-size: 22px;
  color: #94a3b8;
  cursor: pointer;
  line-height: 1;
  padding: 4px 8px;
}
.wiq-interstitial-close:hover { color: #475569; }

.wiq-interstitial-icon { font-size: 36px; margin-bottom: 12px; }

.wiq-interstitial-title {
  font-size: 18px;
  font-weight: 800;
  color: #0f172a;
  margin-bottom: 8px;
  line-height: 1.3;
}
@media (prefers-color-scheme: dark) {
  .wiq-interstitial-title { color: #f1f5f9; }
}

.wiq-interstitial-sub {
  font-size: 13.5px;
  color: #64748b;
  margin-bottom: 16px;
  line-height: 1.5;
}

.wiq-interstitial-lenders {
  list-style: none;
  text-align: left;
  margin: 0 0 20px;
  padding: 0;
  background: #f8fafc;
  border-radius: 8px;
  padding: 12px 16px;
}
@media (prefers-color-scheme: dark) {
  .wiq-interstitial-lenders { background: #0f172a; }
}

.wiq-interstitial-lenders li {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 6px 0;
  font-size: 14px;
  font-weight: 600;
  color: #0f172a;
  border-bottom: 1px solid #e2e8f0;
}
.wiq-interstitial-lenders li:last-child { border-bottom: none; }
@media (prefers-color-scheme: dark) {
  .wiq-interstitial-lenders li { color: #e2e8f0; border-color: #1e293b; }
}

.wiq-interstitial-check { color: #16a34a; font-size: 14px; }

.wiq-interstitial-cta {
  display: block;
  width: 100%;
  background: #0a7ea4;
  color: #fff;
  border: none;
  padding: 14px;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.15s;
  margin-bottom: 10px;
}
.wiq-interstitial-cta:hover { background: #0369a1; }

.wiq-interstitial-note {
  font-size: 11.5px;
  color: #94a3b8;
}

/* ── Article Recommendation Rail ─────────────────────────────────── */
.wiq-article-rail {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 14px;
  margin: 24px 0;
}

.wiq-article-rail [data-article-tags] {
  transition: transform 0.15s, box-shadow 0.15s;
}
.wiq-article-rail [data-article-tags]:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.08);
}

/* ── Cohort-specific content variant blocks ──────────────────────── */
[data-cohort-variant] { display: none; }

/* Shown by JS when cohort matches */
/* These are pre-rendered content blocks revealed by the cohort engine */

/* ── PRS Badge (used in partner dashboard table) ─────────────────── */
.pd-prs-badge {
  display: inline-block;
  padding: 3px 8px;
  border-radius: 4px;
  font-size: 12px;
  font-weight: 700;
}
.pd-prs-badge.prs-high { background: rgba(52,211,153,0.15); color: #34d399; }
.pd-prs-badge.prs-mid  { background: rgba(251,191,36,0.15); color: #fbbf24; }
.pd-prs-badge.prs-low  { background: rgba(248,113,113,0.15); color: #f87171; }

/* ── Cohort-specific hero variants ───────────────────────────────── */
[data-cohort="rate-shopper"] .wiq-hero-headline::before { content: "📊 "; }
[data-cohort="credit-rebuilder"] .wiq-hero-headline::before { content: "🔄 "; }
[data-cohort="speed-seeker"] .wiq-hero-headline::before { content: "⚡ "; }
[data-cohort="debt-consolidator"] .wiq-hero-headline::before { content: "💳 "; }
[data-cohort="first-timer"] .wiq-hero-headline::before { content: "👋 "; }
[data-cohort="comparison-shopper"] .wiq-hero-headline::before { content: "✅ "; }

/* ── Telemetry endpoint visual feedback (dev only) ───────────────── */
.wiq-telemetry-debug {
  position: fixed;
  bottom: 8px; right: 8px;
  background: rgba(0,0,0,0.8);
  color: #34d399;
  font-size: 10px;
  font-family: monospace;
  padding: 6px 10px;
  border-radius: 6px;
  z-index: 9999;
  pointer-events: none;
  display: none; /* Enable in dev: display: block */
}

/* == css/wiq-instant-calc.css == */
/**
 * WiseIQ Zero-Friction Instant Calculator — Styles v1.0
 * ─────────────────────────────────────────────────────────────────
 * Single-screen calculator widget that makes incumbent multi-step
 * forms feel completely outdated.
 */

/* ── Container ────────────────────────────────────────────────── */
.wiq-instant-calc {
  background: #fff;
  border: 1.5px solid #E2E8F0;
  border-radius: 18px;
  box-shadow: 0 4px 24px rgba(11, 31, 58, 0.07);
  overflow: hidden;
  margin: 24px 0;
  font-family: inherit;
}

/* ── Header ───────────────────────────────────────────────────── */
.wiq-ic-header {
  background: linear-gradient(135deg, #0B1F3A 0%, #1A3A6B 100%);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.wiq-ic-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 700;
  color: #fff;
}
.wiq-ic-vs-badge {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  background: rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.75);
  padding: 3px 10px;
  border-radius: 20px;
  white-space: nowrap;
}

/* ── Body: two-column grid ────────────────────────────────────── */
.wiq-ic-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.wiq-ic-inputs {
  padding: 20px 20px 20px 24px;
  border-right: 1px solid #F1F5F9;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.wiq-ic-results {
  padding: 20px 24px 20px 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* ── Input Fields ─────────────────────────────────────────────── */
.wiq-ic-field {
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.wiq-ic-label {
  font-size: 12px;
  font-weight: 600;
  color: #374151;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.wiq-ic-input-wrap {
  position: relative;
}
.wiq-ic-input-wrap::before,
.wiq-ic-input-wrap::after {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  font-size: 14px;
  font-weight: 600;
  color: #64748B;
  pointer-events: none;
  z-index: 1;
}
.wiq-ic-prefix-\$::before { content: '$'; left: 10px; }
.wiq-ic-suffix-\%::after  { content: '%'; right: 10px; }
.wiq-ic-suffix-mo::after  { content: 'mo'; right: 8px; font-size: 11px; }

.wiq-ic-input {
  width: 100%;
  padding: 9px 12px;
  border: 1.5px solid #E2E8F0;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 700;
  color: #0B1F3A;
  background: #F8FAFC;
  outline: none;
  transition: border-color 0.15s, background 0.15s;
  box-sizing: border-box;
  -moz-appearance: textfield;
}
.wiq-ic-prefix-\$ .wiq-ic-input { padding-left: 26px; }
.wiq-ic-suffix-\% .wiq-ic-input,
.wiq-ic-suffix-mo .wiq-ic-input { padding-right: 36px; }
.wiq-ic-input:focus {
  border-color: #1A6FD4;
  background: #fff;
}
.wiq-ic-input::-webkit-inner-spin-button,
.wiq-ic-input::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }

.wiq-ic-select {
  width: 100%;
  padding: 9px 12px;
  border: 1.5px solid #E2E8F0;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 600;
  color: #0B1F3A;
  background: #F8FAFC;
  outline: none;
  cursor: pointer;
  transition: border-color 0.15s;
}
.wiq-ic-select:focus { border-color: #1A6FD4; }

/* ── Range Slider ─────────────────────────────────────────────── */
.wiq-ic-slider {
  width: 100%;
  height: 4px;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(to right, #1A6FD4 var(--pct, 30%), #E2E8F0 var(--pct, 30%));
  border-radius: 2px;
  outline: none;
  cursor: pointer;
  margin-top: 2px;
}
.wiq-ic-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #1A6FD4;
  border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(26, 111, 212, 0.4);
  cursor: pointer;
  transition: transform 0.1s;
}
.wiq-ic-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.wiq-ic-slider::-moz-range-thumb {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #1A6FD4;
  border: 2px solid #fff;
  cursor: pointer;
}

/* ── Results ──────────────────────────────────────────────────── */
.wiq-ic-result-hero {
  background: linear-gradient(135deg, #0B1F3A 0%, #1A3A6B 100%);
  border-radius: 12px;
  padding: 16px;
  text-align: center;
}
.wiq-ic-result-label {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 4px;
}
.wiq-ic-result-value {
  font-size: 28px;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.03em;
  line-height: 1;
}

.wiq-ic-result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.wiq-ic-result-item {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 10px;
  padding: 10px 12px;
}
.wiq-ic-result-item-label {
  font-size: 10px;
  font-weight: 600;
  color: #64748B;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 3px;
}
.wiq-ic-result-item-value {
  font-size: 16px;
  font-weight: 800;
  color: #0B1F3A;
  letter-spacing: -0.02em;
}
.wiq-ic-green { color: #15803D !important; }

/* ── Rate Comparison Banner ───────────────────────────────────── */
.wiq-ic-rate-compare { min-height: 0; }
.wiq-ic-rate-compare-inner {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  border-radius: 8px;
  padding: 10px 12px;
  font-size: 12px;
  line-height: 1.5;
}
.wiq-ic-green-bg {
  background: #F0FDF4;
  border: 1px solid #BBF7D0;
  color: #166534;
}
.wiq-ic-amber-bg {
  background: #FFFBEB;
  border: 1px solid #FDE68A;
  color: #92400E;
}
.wiq-ic-rate-compare-inner svg { flex-shrink: 0; margin-top: 2px; }

/* ── CTA Row ──────────────────────────────────────────────────── */
.wiq-ic-cta-row {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.wiq-ic-cta-btn {
  display: block;
  background: #22C55E;
  color: #fff;
  text-align: center;
  padding: 12px 16px;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  transition: background 0.15s, transform 0.1s;
  line-height: 1.3;
}
.wiq-ic-cta-btn:hover {
  background: #16A34A;
  transform: translateY(-1px);
}
.wiq-ic-cta-note {
  font-size: 10px;
  color: #94A3B8;
  text-align: center;
}

/* ── Dark mode ────────────────────────────────────────────────── */
[data-theme="dark"] .wiq-instant-calc {
  background: #1e2022;
  border-color: #334155;
}
[data-theme="dark"] .wiq-ic-inputs { border-right-color: #334155; }
[data-theme="dark"] .wiq-ic-label { color: #CBD5E1; }
[data-theme="dark"] .wiq-ic-input {
  background: #151718;
  border-color: #334155;
  color: #ECEDEE;
}
[data-theme="dark"] .wiq-ic-input:focus { border-color: #3B82F6; background: #1e2022; }
[data-theme="dark"] .wiq-ic-select {
  background: #151718;
  border-color: #334155;
  color: #ECEDEE;
}
[data-theme="dark"] .wiq-ic-result-item {
  background: #151718;
  border-color: #334155;
}
[data-theme="dark"] .wiq-ic-result-item-value { color: #ECEDEE; }
[data-theme="dark"] .wiq-ic-slider {
  background: linear-gradient(to right, #3B82F6 var(--pct, 30%), #334155 var(--pct, 30%));
}

/* ── Mobile ───────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .wiq-ic-body {
    grid-template-columns: 1fr;
  }
  .wiq-ic-inputs {
    border-right: none;
    border-bottom: 1px solid #F1F5F9;
    padding: 16px;
  }
  .wiq-ic-results { padding: 16px; }
  .wiq-ic-result-value { font-size: 24px; }
  .wiq-ic-header { padding: 14px 16px; }
  .wiq-ic-vs-badge { display: none; }
}

/* == css/chrome.css == */
/* WiseIQ shared site chrome: header + footer */
.topnav{background:#fff;border-bottom:1px solid #E2E8F0;position:sticky;top:0;z-index:50;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;}
.topnav-in{max-width:1120px;margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:28px;height:64px;}
.topnav .brand{display:flex;align-items:center;gap:9px;font-size:20px;font-weight:800;color:#0B1F3A;letter-spacing:-.02em;text-decoration:none;}
.topnav .brand em{font-style:normal;color:#16A34A;}
.topnav .navlinks{display:flex;gap:22px;margin-left:auto;}
.topnav .navlinks a{font-size:14.5px;font-weight:600;color:#475569;padding:6px 2px;text-decoration:none;}
.topnav .navlinks a:hover{color:#0B1F3A;}
.topnav .nav-cta{background:#16A34A;color:#fff;font-size:13.5px;font-weight:700;padding:9px 18px;border-radius:8px;white-space:nowrap;text-decoration:none;}
.topnav .nav-cta:hover{background:#15803D;}
@media(max-width:860px){.topnav .navlinks{display:none;}.topnav-in{justify-content:space-between;}}
.site-footer{background:#0B1F3A;color:#fff;padding:52px 0 28px;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;}
.site-footer .wrap{max-width:1120px;margin:0 auto;padding:0 24px;}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px;}
.foot-brand{font-size:20px;font-weight:800;letter-spacing:-.02em;}
.foot-brand em{font-style:normal;color:#4ADE80;}
.foot-tag{font-size:13px;color:rgba(255,255,255,.6);margin-top:8px;line-height:1.6;max-width:220px;}
.foot-h{font-size:11.5px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:12px;}
.site-footer a{display:block;font-size:13.5px;color:rgba(255,255,255,.78);margin-bottom:9px;text-decoration:none;}
.site-footer a:hover{color:#fff;}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:12px;color:rgba(255,255,255,.45);line-height:1.6;}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr;}}

/* Mobile menu (CSS-only) */
.nav-toggle{display:none;}
.nav-burger{display:none;cursor:pointer;padding:10px;margin-left:auto;border:0;background:none;}
.nav-burger span{display:block;width:22px;height:2.5px;background:#0B1F3A;border-radius:2px;margin:4.5px 0;transition:transform .2s,opacity .2s;}
.mobile-menu{display:none;}
@media(max-width:860px){
  .topnav .navlinks{display:none;}
  .topnav-in{justify-content:flex-start;}
  .nav-burger{display:block;}
  .topnav .nav-cta{margin-left:0;}
  .nav-toggle:checked ~ .mobile-menu{display:block;}
  .nav-toggle:checked ~ .topnav-in .nav-burger span:nth-child(1){transform:translateY(7px) rotate(45deg);}
  .nav-toggle:checked ~ .topnav-in .nav-burger span:nth-child(2){opacity:0;}
  .nav-toggle:checked ~ .topnav-in .nav-burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
  .mobile-menu{background:#fff;border-bottom:1px solid #E2E8F0;padding:6px 24px 18px;}
  .mobile-menu a{display:block;font-size:16px;font-weight:600;color:#0B1F3A;padding:12px 0;border-bottom:1px solid #F1F5F9;text-decoration:none;}
  .mobile-menu a:last-child{border-bottom:none;}
  .mobile-menu .mm-cta{color:#16A34A;font-weight:800;}
}
/* Nav search link */
.nav-search{font-size:14.5px;font-weight:600;color:#475569;text-decoration:none;display:flex;align-items:center;gap:5px;}
.nav-search:hover{color:#0B1F3A;}

/* == WiseIQ data-visual components == */
.wiq-tablewrap{overflow-x:auto;margin:26px 0;border:1px solid #E2E8F0;border-radius:14px;box-shadow:0 4px 18px rgba(11,31,58,.06);}
.wiq-tablewrap table{width:100%;border-collapse:collapse;font-size:14px;margin:0 !important;border:none !important;}
.wiq-tablewrap th{background:#0B1F3A;color:#fff;padding:12px 16px;text-align:left;font-weight:700;font-size:12.5px;letter-spacing:.03em;text-transform:uppercase;white-space:nowrap;}
.wiq-tablewrap td{padding:12px 16px;border-bottom:1px solid #EDF2F7;color:#334155;}
.wiq-tablewrap tr:last-child td{border-bottom:none;}
.wiq-tablewrap tr:nth-child(even):not(.wiq-partner-row) td{background:#F8FAFC;}
.wiq-partner-row td{background:#F0FDF4 !important;border-top:2px solid #16A34A !important;border-bottom:2px solid #16A34A !important;}
.wiq-partner-chip{display:inline-block;font-size:9.5px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:#fff;background:#16A34A;border-radius:4px;padding:2px 7px;margin-left:8px;vertical-align:middle;}
.wiq-chart{border:1px solid #E2E8F0;border-radius:16px;padding:26px 28px;margin:30px 0;background:#fff;box-shadow:0 4px 18px rgba(11,31,58,.06);}
.wiq-chart-title{font-size:15px;font-weight:800;color:#0B1F3A;margin-bottom:4px;}
.wiq-chart-sub{font-size:12.5px;color:#64748B;margin-bottom:18px;}
.wiq-bar-row{display:grid;grid-template-columns:110px 1fr 92px;align-items:center;gap:12px;margin-bottom:12px;}
.wiq-bar-label{font-size:13px;font-weight:700;color:#0B1F3A;text-align:right;}
.wiq-bar-label small{display:block;font-weight:600;color:#94A3B8;font-size:11px;}
.wiq-bar-track{background:#F1F5F9;border-radius:8px;height:26px;position:relative;overflow:hidden;}
.wiq-bar-fill{position:absolute;top:0;bottom:0;border-radius:8px;background:linear-gradient(90deg,#1A6FD4,#0B1F3A);}
.wiq-bar-fill.good{background:linear-gradient(90deg,#16A34A,#0E7A38);}
.wiq-bar-fill.warn{background:linear-gradient(90deg,#F59E0B,#D97706);}
.wiq-bar-fill.bad{background:linear-gradient(90deg,#EF4444,#B91C1C);}
.wiq-bar-val{font-size:13px;font-weight:800;color:#0B1F3A;white-space:nowrap;}
.wiq-chart-note{font-size:11.5px;color:#94A3B8;margin-top:14px;border-top:1px solid #F1F5F9;padding-top:10px;}
.wiq-callout{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;background:linear-gradient(135deg,#0B1F3A,#17345E);border-radius:16px;padding:24px 28px;margin:30px 0;}
.wiq-callout-text strong{display:block;color:#fff;font-size:16.5px;font-weight:800;margin-bottom:4px;}
.wiq-callout-text span{color:rgba(255,255,255,.72);font-size:13.5px;}
.wiq-callout-tag{display:inline-block;font-size:10px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#FDE68A;margin-bottom:6px;}
.wiq-callout .btn-go{background:#16A34A;color:#fff;font-weight:700;font-size:14.5px;padding:13px 24px;border-radius:10px;text-decoration:none;white-space:nowrap;box-shadow:0 4px 14px rgba(22,163,74,.35);transition:background .15s,transform .15s;}
.wiq-callout .btn-go:hover{background:#15803D;transform:translateY(-1px);}
@media(max-width:640px){.wiq-bar-row{grid-template-columns:84px 1fr 74px;}}

/* == WiseIQ Rate Explorer == */
.wiq-rx{--rx-bg:#fff;--rx-line:#E2E8F0;--rx-ink:#0B1F3A;--rx-mut:#64748B;--rx-accent:#1A6FD4;--rx-green:#16A34A;
  background:var(--rx-bg);border:1px solid var(--rx-line);border-radius:20px;padding:30px;margin:32px 0;
  box-shadow:0 12px 40px rgba(11,31,58,.09);font-family:inherit;}
.wiq-rx[data-theme=dark]{--rx-bg:linear-gradient(150deg,#0D2240,#132B4D);--rx-line:rgba(255,255,255,.14);--rx-ink:#fff;--rx-mut:rgba(255,255,255,.55);
  background:var(--rx-bg);box-shadow:0 24px 70px rgba(0,0,0,.4);}
.rx-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:24px;}
.rx-title{font-size:20px;font-weight:800;color:var(--rx-ink);letter-spacing:-.02em;}
.rx-sub{font-size:13px;color:var(--rx-mut);margin-top:3px;}
.rx-live{font-size:9.5px;font-weight:800;letter-spacing:.09em;color:#16A34A;border:1.5px solid #16A34A;border-radius:6px;padding:3px 8px;white-space:nowrap;position:relative;padding-left:18px;}
.rx-live::before{content:"";position:absolute;left:7px;top:50%;width:6px;height:6px;margin-top:-3px;border-radius:50%;background:#16A34A;animation:rxPulse 1.6s ease infinite;}
@keyframes rxPulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.4;transform:scale(.7)}}
.rx-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:34px;align-items:start;}
.rx-field{margin-bottom:24px;}
.rx-lrow{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:10px;}
.rx-lrow label{font-size:12px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--rx-mut);}
.rx-lrow output{font-size:22px;font-weight:800;color:var(--rx-ink);font-variant-numeric:tabular-nums;letter-spacing:-.02em;}
.wiq-rx input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:6px;outline:none;cursor:pointer;
  background:linear-gradient(90deg,#1A6FD4 var(--fill,50%),rgba(127,181,240,.25) var(--fill,50%));}
.wiq-rx[data-theme=dark] input[type=range]{background:linear-gradient(90deg,#4ADE80 var(--fill,50%),rgba(255,255,255,.15) var(--fill,50%));}
.wiq-rx input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;
  border:3px solid #1A6FD4;box-shadow:0 3px 10px rgba(11,31,58,.3);transition:transform .12s;}
.wiq-rx[data-theme=dark] input[type=range]::-webkit-slider-thumb{border-color:#4ADE80;}
.wiq-rx input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.12);}
.wiq-rx input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid #1A6FD4;box-shadow:0 3px 10px rgba(11,31,58,.3);}
.rx-scale{display:flex;justify-content:space-between;align-items:center;font-size:11px;color:var(--rx-mut);margin-top:8px;font-variant-numeric:tabular-nums;}
.rx-tier-chip{font-size:10.5px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;border-radius:20px;padding:3px 12px;}
.tc-g{background:#DCFCE7;color:#15803D;}.tc-b{background:#DBEAFE;color:#1D4ED8;}.tc-a{background:#FEF3C7;color:#B45309;}.tc-r{background:#FEE2E2;color:#B91C1C;}
.wiq-rx[data-theme=dark] .tc-g{background:rgba(74,222,128,.18);color:#4ADE80;}
.wiq-rx[data-theme=dark] .tc-b{background:rgba(96,165,250,.18);color:#93C5FD;}
.wiq-rx[data-theme=dark] .tc-a{background:rgba(251,191,36,.16);color:#FCD34D;}
.wiq-rx[data-theme=dark] .tc-r{background:rgba(248,113,113,.16);color:#FCA5A5;}
.rx-terms{display:flex;gap:10px;}
.rx-terms button{flex:1;font-family:inherit;font-size:14px;font-weight:700;padding:11px;border-radius:10px;cursor:pointer;
  border:1.5px solid var(--rx-line);background:transparent;color:var(--rx-mut);transition:all .15s;}
.rx-terms button.on{background:#1A6FD4;border-color:#1A6FD4;color:#fff;box-shadow:0 4px 12px rgba(26,111,212,.3);}
.wiq-rx[data-theme=dark] .rx-terms button.on{background:#4ADE80;border-color:#4ADE80;color:#0B1F3A;box-shadow:0 4px 14px rgba(74,222,128,.3);}
.rx-results{border:1px solid var(--rx-line);border-radius:16px;padding:24px;background:rgba(127,181,240,.05);}
.wiq-rx[data-theme=dark] .rx-results{background:rgba(255,255,255,.05);}
.rx-apr-row{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:14px;}
.rx-apr-label{font-size:11.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--rx-mut);}
.rx-apr-val{font-size:16px;font-weight:800;color:var(--rx-ink);font-variant-numeric:tabular-nums;}
.rx-pay-num{font-size:clamp(28px,3.4vw,40px);font-weight:800;color:var(--rx-ink);letter-spacing:-.03em;font-variant-numeric:tabular-nums;line-height:1.1;}
.rx-pay-cap{font-size:12px;color:var(--rx-mut);margin:4px 0 14px;}
.rx-int{font-size:13px;color:var(--rx-mut);margin-bottom:14px;}
.rx-int strong{color:var(--rx-ink);font-variant-numeric:tabular-nums;}
.rx-bar{display:flex;height:14px;border-radius:7px;overflow:hidden;margin-bottom:8px;}
.rx-bar-p{background:linear-gradient(90deg,#1A6FD4,#3B87E0);transition:width .35s cubic-bezier(.2,.7,.3,1);}
.rx-bar-i{background:linear-gradient(90deg,#F59E0B,#F87171);transition:width .35s cubic-bezier(.2,.7,.3,1);}
.wiq-rx[data-theme=dark] .rx-bar-p{background:linear-gradient(90deg,#4ADE80,#22C55E);}
.rx-bar-key{display:flex;gap:16px;font-size:11px;color:var(--rx-mut);margin-bottom:18px;}
.rx-bar-key i{display:inline-block;width:9px;height:9px;border-radius:3px;margin-right:5px;}
.rx-bar-key .k-p{background:#1A6FD4;}.rx-bar-key .k-i{background:#F59E0B;}
.wiq-rx[data-theme=dark] .rx-bar-key .k-p{background:#4ADE80;}
.rx-cta{display:block;text-align:center;background:#16A34A;color:#fff !important;font-weight:800;font-size:15px;padding:15px;border-radius:12px;text-decoration:none;
  box-shadow:0 6px 18px rgba(22,163,74,.35);transition:background .15s,transform .15s;}
.rx-cta:hover{background:#15803D;transform:translateY(-1px);}
.rx-fine{font-size:11px;color:var(--rx-mut);margin-top:12px;line-height:1.55;text-align:center;}
.rx-note{font-size:11.5px;color:var(--rx-mut);margin-top:20px;padding-top:16px;border-top:1px solid var(--rx-line);line-height:1.6;}
@media(max-width:820px){.rx-grid{grid-template-columns:1fr;gap:24px;}.wiq-rx{padding:22px;}}

/* == Verdict box & Receipt (money-page components) == */
.wiq-verdict{border:1px solid #E2E8F0;border-left:5px solid #16A34A;border-radius:14px;background:#fff;box-shadow:0 6px 24px rgba(11,31,58,.07);padding:22px 26px;margin:28px 0;}
.wiq-verdict .v-tag{font-size:10.5px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:#16A34A;margin-bottom:8px;display:flex;align-items:center;gap:7px;}
.wiq-verdict .v-tag::before{content:"⏱";font-size:13px;}
.wiq-verdict .v-text{font-size:15.5px;color:#0B1F3A;line-height:1.65;font-weight:500;}
.wiq-verdict .v-text a{font-weight:700;}
.wiq-receipt{background:#FFFDF5;border:1.5px dashed #D6C58A;border-radius:14px;padding:24px 28px;margin:32px 0;font-variant-numeric:tabular-nums;position:relative;}
.wiq-receipt::before{content:"THE RECEIPT";position:absolute;top:-11px;left:24px;background:#B45309;color:#fff;font-size:9.5px;font-weight:800;letter-spacing:.1em;padding:3px 12px;border-radius:5px;}
.wiq-receipt .r-title{font-size:14.5px;font-weight:800;color:#0B1F3A;margin-bottom:12px;}
.wiq-receipt .r-line{display:flex;justify-content:space-between;gap:12px;font-size:13.5px;color:#475569;padding:7px 0;border-bottom:1px dotted #E7DCB8;}
.wiq-receipt .r-line:last-of-type{border-bottom:none;}
.wiq-receipt .r-line strong{color:#0B1F3A;}
.wiq-receipt .r-line .paid{color:#B45309;font-weight:800;}
.wiq-receipt .r-line .zero{color:#16A34A;font-weight:800;}
.wiq-receipt .r-foot{font-size:11.5px;color:#94A3B8;margin-top:12px;}

/* == Typography identity: Space Grotesk display == */
h1,h2,h3,.rx-title,.rx-pay-num,.rx-lrow output,.wiq-chart-title,.offer-card h3,.card h4,.prod h4,.stat strong,.hero h1,h2.sec,.foot-brand,.brand,.rc-title,.loan-name,.wiq-verdict .v-tag,.wiq-receipt::before{font-family:'Space Grotesk',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;}
.rx-pay-num,.rx-lrow output,.rx-apr-val,.rc-val,.stat strong,.offer-stats strong,.wiq-bar-val,.p-price{font-variant-numeric:tabular-nums;font-feature-settings:'tnum';}

/* == Inner-page editorial layer == */
.article-body{max-width:100%;}
.article-body > p:first-of-type{font-size:17px;color:#1E293B;line-height:1.8;}
.article-body h2{position:relative;padding-left:18px;font-size:23px !important;letter-spacing:-.02em;margin-top:44px !important;}
.article-body h2::before{content:"";position:absolute;left:0;top:.18em;bottom:.18em;width:5px;border-radius:3px;background:linear-gradient(180deg,#16A34A,#1A6FD4);}
.article-body h3{font-size:17.5px !important;}
.article-body p,.article-body li{font-size:15.5px !important;line-height:1.8 !important;}
.article-body a{text-decoration:none;border-bottom:1.5px solid rgba(26,111,212,.3);transition:border-color .15s;}
.article-body a:hover{border-bottom-color:#1A6FD4;}
.article-body img{border-radius:14px;max-width:100%;height:auto;box-shadow:0 8px 28px rgba(11,31,58,.1);}
.article-body blockquote{border-left:4px solid #16A34A;background:#F8FAFC;border-radius:0 12px 12px 0;padding:16px 22px;margin:24px 0;color:#334155;font-size:15px;}
.hero-banner{position:relative;overflow:hidden;}
.hero-banner::before{content:"";position:absolute;top:-160px;right:-100px;width:440px;height:440px;border-radius:50%;background:radial-gradient(circle,rgba(26,111,212,.3),transparent 65%);pointer-events:none;}
.hero-banner::after{content:"";position:absolute;bottom:-200px;left:-120px;width:400px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(22,163,74,.15),transparent 65%);pointer-events:none;}
.hero-banner > *{position:relative;z-index:2;}
.breadcrumb{font-size:12.5px !important;}
.badge-pill{background:rgba(74,222,128,.15) !important;color:#4ADE80 !important;border:1px solid rgba(74,222,128,.3);}
.faq-item{border:1px solid #E2E8F0 !important;border-radius:12px !important;padding:16px 20px !important;margin-bottom:12px;background:#fff;transition:box-shadow .15s;}
.faq-item:hover{box-shadow:0 6px 20px rgba(11,31,58,.07);}
.faq-q{display:flex;align-items:baseline;gap:10px;}
.faq-q::before{content:"Q";flex-shrink:0;font-family:'Space Grotesk',sans-serif;font-weight:700;font-size:13px;color:#fff;background:#1A6FD4;border-radius:6px;width:22px;height:22px;display:inline-flex;align-items:center;justify-content:center;transform:translateY(2px);}
/* Scroll-driven reveals — safe: only in supporting browsers, default fully visible */
@supports (animation-timeline: view()) {
  .wiq-chart,.wiq-callout,.wiq-receipt,.wiq-verdict,.loan-card,.related-guide-card{
    animation: wiqReveal .5s ease both;
    animation-timeline: view();
    animation-range: entry 0% entry 55%;
  }
}
/* Reading progress + back-to-top + auto TOC (styled here, injected by page-extras.js) */
.wiq-progress{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,#16A34A,#1A6FD4);width:0;z-index:200;transition:width .1s linear;}
.wiq-top{position:fixed;right:22px;bottom:22px;width:44px;height:44px;border-radius:12px;background:#0B1F3A;color:#fff;border:none;cursor:pointer;font-size:18px;box-shadow:0 8px 24px rgba(11,31,58,.35);opacity:0;pointer-events:none;transition:opacity .2s,transform .15s;z-index:199;}
.wiq-top.show{opacity:1;pointer-events:auto;}
.wiq-top:hover{transform:translateY(-2px);background:#1A6FD4;}
.wiq-toc{background:#F8FAFC;border:1px solid #E2E8F0;border-radius:14px;padding:20px 24px;margin:26px 0;}
.wiq-toc .t-title{font-family:'Space Grotesk',sans-serif;font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#64748B;margin-bottom:10px;}
.wiq-toc a{display:block;font-size:13.5px;color:#1A6FD4;padding:4px 0;border-bottom:none !important;font-weight:600;}
.wiq-toc a:hover{text-decoration:underline;}
@media(max-width:640px){.wiq-top{right:14px;bottom:14px;}}

/* == Sticky partner bar (loan pages) == */
.wiq-sticky{position:fixed;left:0;right:0;bottom:0;z-index:180;background:#0B1F3A;box-shadow:0 -6px 24px rgba(11,31,58,.3);transform:translateY(110%);transition:transform .3s ease;}
.wiq-sticky.show{transform:none;}
.wiq-sticky-in{max-width:1140px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;gap:16px;}
.wiq-sticky-txt{color:#fff;font-size:13.5px;line-height:1.4;flex:1;min-width:0;}
.wiq-sticky-txt strong{display:block;font-family:'Space Grotesk',sans-serif;font-size:14.5px;}
.wiq-sticky-txt span{color:rgba(255,255,255,.6);font-size:12px;}
.wiq-sticky .ws-cta{background:#16A34A;color:#fff;font-weight:800;font-size:14px;padding:11px 22px;border-radius:9px;text-decoration:none;white-space:nowrap;}
.wiq-sticky .ws-cta:hover{background:#15803D;}
.wiq-sticky .ws-x{background:none;border:none;color:rgba(255,255,255,.45);font-size:20px;cursor:pointer;padding:4px 8px;line-height:1;}
.wiq-sticky .ws-x:hover{color:#fff;}
@media(max-width:640px){.wiq-sticky-txt span{display:none;}.wiq-sticky-txt strong{font-size:13px;}.wiq-sticky .ws-cta{font-size:13px;padding:10px 16px;}}