:root {
  --blue-900: #034894;
  --blue-600: #206dc2;
  --ink: #1f2647;
  --ink-overlay: #1f2647e6;
  --white: #ffffff;
  --green: #33f078;
  --gray: #656a70;
  --gray-100: #f4f7fb;
  --gray-200: #e5ebf3;
  --blue-050: #eef6ff;
  --green-050: #ecfff5;
  --shadow: 0 16px 36px rgba(31, 38, 71, 0.11);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: Inter, "Source Sans 3", Arial, sans-serif;
  background: var(--white);
  line-height: 1.55;
}

a {
  color: inherit;
  text-decoration: none;
}

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

.container {
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--gray-200);
  backdrop-filter: blur(14px);
}

.nav {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  font-weight: 900;
  letter-spacing: 0;
  font-size: 1.35rem;
  color: var(--blue-900);
  white-space: nowrap;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  background: var(--blue-900);
  color: var(--green);
  font-weight: 900;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  font-size: 0.96rem;
  font-weight: 750;
}

.nav-links a:hover {
  color: var(--blue-600);
}

.mobile-nav {
  display: none;
  position: relative;
}

.mobile-nav summary {
  min-height: 44px;
  padding: 0 14px;
  border: 2px solid var(--blue-600);
  border-radius: 999px;
  display: flex;
  align-items: center;
  gap: 9px;
  color: var(--blue-900);
  font-size: 0.94rem;
  font-weight: 850;
  list-style: none;
  cursor: pointer;
  user-select: none;
}

.mobile-nav summary::-webkit-details-marker {
  display: none;
}

.mobile-nav summary:focus-visible,
.mobile-nav-panel a:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 3px;
}

.menu-icon,
.menu-icon::before,
.menu-icon::after {
  width: 18px;
  height: 2px;
  border-radius: 999px;
  background: currentColor;
}

.menu-icon {
  position: relative;
  display: block;
}

.menu-icon::before,
.menu-icon::after {
  position: absolute;
  left: 0;
  content: "";
}

.menu-icon::before {
  top: -6px;
}

.menu-icon::after {
  top: 6px;
}

.mobile-nav[open] summary {
  background: var(--blue-050);
}

.mobile-nav-panel {
  position: absolute;
  top: calc(100% + 10px);
  right: 0;
  width: min(320px, calc(100vw - 28px));
  padding: 10px;
  border: 1px solid var(--gray-200);
  border-radius: 18px;
  display: grid;
  gap: 4px;
  background: var(--white);
  box-shadow: 0 18px 42px rgba(31, 38, 71, 0.2);
}

.mobile-nav-panel > a:not(.button) {
  min-height: 46px;
  padding: 0 12px;
  border: 1px solid transparent;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  color: var(--ink);
  font-weight: 800;
}

.mobile-nav-panel > a:not(.button):hover {
  border-color: #c9dcf3;
  background: var(--blue-050);
  color: var(--blue-900);
}

.mobile-nav-panel .link-arrow {
  color: var(--blue-600);
  font-size: 1.4rem;
  line-height: 1;
}

.mobile-nav-panel .button {
  margin-top: 6px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 12px 19px;
  border-radius: 999px;
  border: 2px solid transparent;
  font-weight: 850;
  cursor: pointer;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}

.button:hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 24px rgba(3, 72, 148, 0.18);
}

.button-primary {
  background: var(--blue-600);
  color: var(--white);
}

.button-secondary {
  border-color: var(--blue-600);
  color: var(--blue-900);
  background: var(--white);
}

.button-dark {
  background: var(--ink);
  color: var(--white);
}

.hero .button-primary,
.page-hero .button-primary {
  background: var(--green);
  color: var(--ink);
}

.hero .button-primary:hover,
.page-hero .button-primary:hover {
  box-shadow: 0 12px 24px rgba(51, 240, 120, 0.26);
}

.hero .button-primary:focus-visible {
  outline: 3px solid var(--white);
  outline-offset: 3px;
}

.page-hero .button-primary:focus-visible {
  outline: 3px solid var(--blue-900);
  outline-offset: 3px;
}

.hero {
  background:
    radial-gradient(circle at 85% 22%, rgba(51, 240, 120, 0.18), transparent 24%),
    linear-gradient(135deg, var(--blue-900), var(--ink-overlay));
  color: var(--white);
  padding: 78px 0 56px;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.9fr);
  gap: 48px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.08;
  letter-spacing: 0;
}

h1,
h2 {
  font-family: Merriweather, Georgia, serif;
}

h1 {
  max-width: 790px;
  font-size: clamp(2.55rem, 6vw, 5.35rem);
}

h2 {
  font-size: clamp(2rem, 3.6vw, 3.25rem);
}

h3 {
  font-size: 1.14rem;
}

.hero-copy {
  max-width: 660px;
  margin: 20px 0 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.2rem;
}

.hero-actions,
.section-actions {
  margin-top: 30px;
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.hero-note {
  margin-top: 18px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
}

.hero-panel {
  background: var(--white);
  color: var(--ink);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 22px;
}

.loan-switcher {
  display: grid;
  gap: 12px;
}

.mini-card {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 14px;
  align-items: center;
  padding: 17px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
  transition: border-color 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease;
}

.mini-card:hover {
  border-color: var(--blue-600);
  box-shadow: 0 8px 20px rgba(31, 38, 71, 0.08);
  transform: translateY(-1px);
}

.mini-card:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 3px;
}

.icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--green-050);
  color: var(--blue-900);
  display: grid;
  place-items: center;
  flex: 0 0 44px;
  box-shadow: inset 0 0 0 1px rgba(51, 240, 120, 0.24);
}

.icon svg {
  width: 23px;
  height: 23px;
  display: block;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.arrow {
  color: var(--blue-600);
  font-weight: 900;
  font-size: 1.3rem;
}

.trust-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  padding: 22px 0;
}

.trust-item {
  padding: 16px 18px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
}

.trust-item strong {
  display: block;
  color: var(--blue-900);
  font-size: 1.5rem;
  margin-bottom: 4px;
  text-align: center;
}

.section {
  padding: 78px 0;
}

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

.section-blue {
  background: var(--blue-050);
}

.section-head {
  max-width: 760px;
  margin-bottom: 34px;
}

.section-head p {
  margin: 14px 0 0;
  color: var(--gray);
  font-size: 1.08rem;
}

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

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 8px 20px rgba(31, 38, 71, 0.05);
}

.card p {
  color: var(--gray);
}

.card-link {
  margin-top: 16px;
  display: inline-flex;
  color: var(--blue-600);
  font-weight: 900;
}

.steps {
  display: grid;
  gap: 18px;
}

.step {
  display: grid;
  grid-template-columns: 50px 1fr;
  gap: 18px;
}

.step-number {
  width: 50px;
  height: 50px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: var(--green);
  color: var(--ink);
  font-weight: 950;
}

.callout {
  background: var(--ink);
  color: var(--white);
  border-radius: var(--radius);
  padding: 34px;
}

.callout p {
  color: rgba(255, 255, 255, 0.82);
}

.list-check {
  list-style: none;
  padding: 0;
  margin: 18px 0 0;
  display: grid;
  gap: 10px;
}

.list-check li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

.list-check li::before {
  content: "";
  width: 11px;
  height: 11px;
  margin-top: 8px;
  border-radius: 999px;
  background: var(--green);
  flex: 0 0 auto;
}

.article-card {
  padding: 0;
  overflow: hidden;
  cursor: pointer;
  min-height: 100%;
  display: flex;
  flex-direction: column;
  border-top: 4px solid var(--blue-600);
}

.article-card[data-topic-card="credit"] {
  border-top-color: #8f7ee7;
}

.article-card[data-topic-card="business-loan"] {
  border-top-color: var(--green);
}

.article-body {
  flex: 1;
  padding: 22px;
}

.article-body h3 {
  margin-top: 16px;
}

.article-body p {
  margin-bottom: 0;
}

.tag {
  display: inline-flex;
  align-items: center;
  min-height: 26px;
  padding: 4px 10px;
  border-radius: 999px;
  color: var(--blue-900);
  background: var(--green-050);
  box-shadow: inset 0 0 0 1px rgba(51, 240, 120, 0.2);
  font-size: 0.74rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.faq {
  display: grid;
  gap: 12px;
}

.faq details {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 18px 20px;
}

.faq details[open] {
  background: var(--green-050);
  border-color: rgba(51, 240, 120, 0.45);
  box-shadow: inset 4px 0 0 var(--green);
}

.faq summary {
  cursor: pointer;
  font-weight: 900;
  color: var(--ink);
}

.faq details[open] summary {
  color: var(--blue-900);
}

.faq details p {
  color: var(--gray);
  margin-bottom: 0;
}

.page-hero {
  background: linear-gradient(135deg, var(--blue-050), var(--white));
  padding: 72px 0 44px;
  border-bottom: 1px solid var(--gray-200);
}

.page-hero .eyebrow {
  color: var(--blue-600);
}

.page-hero h1 {
  color: var(--ink);
}

.page-hero p {
  max-width: 730px;
  color: var(--gray);
  font-size: 1.16rem;
}

.comparison {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 8px 20px rgba(31, 38, 71, 0.06);
}

.comparison th,
.comparison td {
  padding: 16px;
  border-bottom: 1px solid var(--gray-200);
  text-align: left;
}

.comparison th {
  color: var(--white);
  background: var(--blue-900);
}

.iframe-box {
  background:
    linear-gradient(135deg, rgba(3, 72, 148, 0.95), rgba(31, 38, 71, 0.96)),
    radial-gradient(circle at right, rgba(51, 240, 120, 0.18), transparent 36%);
  color: var(--white);
  padding: 38px;
  border-radius: var(--radius);
}

.iframe-placeholder {
  margin-top: 22px;
  min-height: 360px;
  display: grid;
  place-items: center;
  border: 2px dashed rgba(255,255,255,0.38);
  border-radius: var(--radius);
  background: rgba(255,255,255,0.08);
  text-align: center;
  padding: 24px;
}

.learn-layout {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 26px;
  align-items: start;
}

.feature-post {
  min-height: 430px;
  display: flex;
  align-items: flex-end;
  padding: 28px;
  color: var(--white);
  background:
    linear-gradient(to top, rgba(31, 38, 71, 0.94), rgba(31, 38, 71, 0.25)),
    linear-gradient(135deg, #034894, #206dc2);
  border-radius: var(--radius);
}

.post-list {
  display: grid;
  gap: 16px;
}

.post-row {
  padding: 20px;
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--gray-200);
}

.feature-post,
.post-row,
.guide-card,
.article-card {
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.feature-post:hover,
.post-row:hover,
.guide-card:hover,
.article-card:hover {
  transform: translateY(-2px);
  border-color: #c9dcf3;
  box-shadow: var(--shadow);
}

.feature-post:focus-visible,
.post-row:focus-visible,
.guide-card:focus-visible,
.article-card:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 3px;
}

.guide-grid {
  align-items: stretch;
}

.guide-card {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  cursor: pointer;
}

.guide-card h3 {
  margin-top: 16px;
}

.footer {
  background: #0f1f35;
  color: var(--white);
  border-top: 2px solid var(--green);
  padding: 52px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr repeat(3, 1fr);
  gap: 30px;
}

.footer a {
  display: block;
  color: rgba(255,255,255,0.78);
  margin: 9px 0;
  font-size: 0.94rem;
}

.footer small {
  display: block;
  margin-top: 32px;
  color: rgba(255,255,255,0.62);
  max-width: 940px;
}

@media (max-width: 920px) {
  .hero-grid,
  .grid-3,
  .grid-2,
  .learn-layout,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .trust-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .nav {
    align-items: flex-start;
    padding: 16px 0;
  }

  .nav-links {
    justify-content: flex-end;
    flex-wrap: wrap;
    gap: 12px 18px;
  }
}

@media (max-width: 999px) {
  .nav {
    min-height: 68px;
    align-items: center;
    gap: 16px;
    padding: 10px 0;
  }

  .desktop-nav {
    display: none;
  }

  .mobile-nav {
    display: block;
    margin-left: auto;
  }
}

@media (max-width: 380px) {
  .nav {
    gap: 12px;
  }

  .brand {
    gap: 8px;
    font-size: 1.15rem;
  }

  .brand-mark {
    width: 32px;
    height: 32px;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 28px, var(--max));
  }

  .hero {
    padding: 52px 0 36px;
  }

  .trust-row {
    grid-template-columns: 1fr;
  }

  .button {
    width: 100%;
  }

  .hero-actions,
  .section-actions {
    display: grid;
  }
}

/* WordPress integration */
body.admin-bar .site-header {
  top: 32px;
}

.generic-page h1 {
  color: var(--ink);
  margin-bottom: 30px;
}

.generic-page .entry-content {
  max-width: 100%;
}

.generic-page iframe,
.generic-page table,
.generic-page img {
  max-width: 100%;
}

.generic-page .wp-block-group.alignfull {
  width: 100%;
}

.guide-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 52px;
  align-items: start;
}

.guide-body {
  max-width: 780px;
  font-size: 1.04rem;
}

.guide-body h2 {
  margin: 38px 0 12px;
  color: var(--ink);
  font-size: clamp(1.45rem, 3vw, 2rem);
}

.guide-body h2:first-child {
  margin-top: 0;
}

.guide-body p,
.guide-body li {
  color: var(--gray);
  line-height: 1.75;
}

.guide-body ul {
  padding-left: 24px;
}

.guide-body a,
.guide-back-link {
  color: var(--blue-900);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--blue-600);
  text-underline-offset: 3px;
}

.guide-aside {
  position: sticky;
  top: 112px;
}

.guide-aside h2 {
  margin-top: 18px;
  font-size: 1.45rem;
}

.guide-aside .button {
  width: 100%;
}

.guide-back-link {
  display: block;
  margin-top: 18px;
  text-align: center;
  font-size: 0.94rem;
}

.legal-page {
  padding-top: 72px;
  padding-bottom: 88px;
}

.legal-content {
  max-width: 800px;
}

.legal-content h1 {
  margin-bottom: 10px;
}

.legal-updated {
  color: var(--muted);
  margin-bottom: 36px;
}

.legal-content h2 {
  color: var(--ink);
  font-size: clamp(1.25rem, 2vw, 1.55rem);
  margin: 34px 0 12px;
}

.legal-content p,
.legal-content li {
  color: var(--body);
  line-height: 1.75;
}

.legal-content ul {
  padding-left: 24px;
}

.legal-content a {
  color: var(--accent);
}

@media (max-width: 782px) {
  body.admin-bar .site-header {
    top: 46px;
  }
}

@media (max-width: 920px) {
  .guide-layout {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .guide-aside {
    position: static;
  }
}

/* Learning Center 2.0 */
.learning-center-hero {
  padding: 88px 0 64px;
  background:
    radial-gradient(circle at 82% 18%, rgba(51, 240, 120, 0.18), transparent 28%),
    linear-gradient(135deg, #eaf4ff 0%, #ffffff 58%, #effff5 100%);
}

.learning-center-hero h1 {
  max-width: 880px;
}

.learning-center-hero .hero-actions {
  margin-top: 28px;
}

.learning-clusters {
  padding-bottom: 84px;
}

.cluster-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.cluster-card {
  min-height: 330px;
  padding: 34px;
  border: 1px solid rgba(3, 72, 148, 0.12);
  border-radius: 18px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  box-shadow: var(--shadow);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}

.cluster-card-personal {
  background:
    radial-gradient(circle at 92% 8%, rgba(51, 240, 120, 0.24), transparent 28%),
    linear-gradient(145deg, #ffffff, #eaf4ff);
}

.cluster-card-business {
  color: var(--white);
  background:
    radial-gradient(circle at 88% 12%, rgba(51, 240, 120, 0.22), transparent 30%),
    linear-gradient(145deg, #034894, #1f2647);
}

.cluster-card-business .tag {
  color: var(--ink);
  background: var(--green);
}

.cluster-card h3 {
  max-width: 520px;
  margin: 28px 0 12px;
  font-family: Merriweather, Georgia, serif;
  font-size: clamp(1.65rem, 3vw, 2.35rem);
  line-height: 1.18;
}

.cluster-card p {
  max-width: 570px;
  margin: 0;
  color: inherit;
  opacity: 0.82;
}

.cluster-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 22px 48px rgba(31, 38, 71, 0.16);
}

.cluster-card:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 4px;
}

.cluster-link {
  margin-top: auto;
  padding-top: 30px;
  color: var(--blue-900);
  font-weight: 900;
}

.cluster-card-business .cluster-link {
  color: var(--green);
}

.guide-library {
  scroll-margin-top: 90px;
}

.guide-library-heading {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 24px;
}

.guide-count {
  flex: 0 0 auto;
  margin: 0 0 18px;
  padding: 8px 14px;
  border-radius: 999px;
  color: var(--blue-900);
  background: var(--white);
  border: 1px solid var(--gray-200);
  font-size: 0.9rem;
  font-weight: 900;
}

.topic-filters {
  margin: 12px 0 34px;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.topic-filter {
  min-height: 44px;
  padding: 10px 15px;
  border: 1px solid #c8d6e6;
  border-radius: 999px;
  color: var(--blue-900);
  background: var(--white);
  font: inherit;
  font-size: 0.92rem;
  font-weight: 850;
  cursor: pointer;
  transition: color 0.16s ease, background 0.16s ease, border-color 0.16s ease;
}

.topic-filter span {
  display: inline-grid;
  min-width: 24px;
  min-height: 24px;
  margin-left: 6px;
  padding: 1px 5px;
  border-radius: 999px;
  place-items: center;
  color: inherit;
  background: var(--blue-050);
  font-size: 0.76rem;
}

.topic-filter:hover {
  border-color: var(--blue-600);
}

.topic-filter[aria-pressed="true"] {
  color: var(--white);
  background: var(--blue-900);
  border-color: var(--blue-900);
}

.topic-filter[aria-pressed="true"] span {
  color: var(--ink);
  background: var(--green);
}

.topic-filter:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 3px;
}

.topic-guide-grid {
  align-items: stretch;
}

.topic-guide-card {
  min-height: 330px;
  border-top: 4px solid var(--blue-600);
}

.topic-guide-card[data-topic-card="business-loan"] {
  border-top-color: var(--green);
}

.topic-guide-card[data-topic-card="debt"] {
  border-top-color: #f0a443;
}

.topic-guide-card[data-topic-card="credit"] {
  border-top-color: #8f7ee7;
}

.topic-guide-card[data-topic-card="home-loans"] {
  border-top-color: #28a6a1;
}

.topic-guide-card[hidden] {
  display: none;
}

.guide-card-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}

.tool-badge {
  display: inline-flex;
  align-items: center;
  min-height: 26px;
  padding: 4px 10px;
  border-radius: 999px;
  color: #0b5931;
  background: var(--green-050);
  border: 1px solid rgba(51, 240, 120, 0.45);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.guide-card-meta {
  margin-top: auto;
  padding-top: 22px;
  color: var(--blue-900);
  font-size: 0.82rem;
  font-weight: 850;
}

.breadcrumbs {
  margin-bottom: 26px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  color: var(--blue-900);
  font-size: 0.88rem;
  font-weight: 800;
}

.breadcrumbs a {
  text-decoration: underline;
  text-underline-offset: 3px;
}

.guide-hero {
  padding: 64px 0 50px;
}

.guide-hero-inner {
  max-width: 960px;
  margin-left: max(20px, calc((100% - var(--max)) / 2));
  margin-right: auto;
}

.guide-hero h1 {
  max-width: 930px;
}

.guide-hero .guide-dek {
  max-width: 880px;
  color: #424b5b;
  font-size: clamp(1.08rem, 2vw, 1.28rem);
  line-height: 1.7;
}

.guide-byline {
  margin-top: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 10px;
  align-items: center;
  color: var(--gray);
  font-size: 0.88rem;
  font-weight: 700;
}

.guide-author-link {
  color: inherit;
  text-decoration: underline;
  text-decoration-color: var(--blue-600);
  text-underline-offset: 3px;
}

.guide-author-link:hover {
  color: var(--blue-900);
}

.guide-content-section {
  padding-top: 64px;
}

.guide-aside-wrap {
  min-width: 0;
}

.guide-takeaways {
  margin-bottom: 34px;
  padding: 28px;
  border: 1px solid #cce1f8;
  border-left: 5px solid var(--green);
  border-radius: 14px;
  background: linear-gradient(135deg, var(--blue-050), var(--white));
}

.guide-takeaways h2 {
  margin-top: 4px;
}

.guide-section {
  scroll-margin-top: 110px;
}

.guide-section + .guide-section {
  margin-top: 10px;
}

.guide-faq,
.guide-sources {
  margin-top: 46px;
  padding-top: 6px;
}

.guide-sources {
  padding: 26px;
  border-radius: 14px;
  background: var(--gray-100);
}

.guide-sources h2 {
  margin-top: 0;
}

.article-disclaimer {
  margin-top: 28px;
  padding: 20px 22px;
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  background: var(--white);
  font-size: 0.9rem;
}

.related-guides .guide-card {
  min-height: 250px;
}

.table-scroll {
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.content-table {
  min-width: 680px;
  margin: 20px 0 24px;
  font-size: 0.92rem;
}

.content-table td {
  color: #4c5564;
  vertical-align: top;
}

.checklist-list {
  padding: 0 !important;
  list-style: none;
}

.checklist-list li {
  margin: 10px 0;
  padding: 12px 14px;
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  background: var(--white);
}

.checklist-list label {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  cursor: pointer;
}

.checklist-list input {
  width: 18px;
  height: 18px;
  margin-top: 4px;
  accent-color: var(--blue-600);
}

/* Learning Center calculators */
.calculator-card {
  margin: 40px 0 48px;
  padding: 30px;
  border: 1px solid #c9dcf3;
  border-radius: 18px;
  color: var(--ink);
  background:
    radial-gradient(circle at 100% 0, rgba(51, 240, 120, 0.15), transparent 28%),
    linear-gradient(145deg, #f7fbff, #ffffff);
  box-shadow: 0 18px 42px rgba(31, 38, 71, 0.1);
}

.calculator-header {
  max-width: 680px;
  margin-bottom: 24px;
}

.calculator-header .eyebrow {
  color: var(--blue-600);
}

.calculator-header h2 {
  margin: 4px 0 10px;
}

.calculator-header p {
  margin: 0;
}

.calculator-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.calculator-field {
  min-width: 0;
  display: grid;
  gap: 7px;
  color: var(--ink);
  font-size: 0.9rem;
  font-weight: 850;
}

.calculator-field input,
.calculator-field select,
.debt-input-table input {
  width: 100%;
  min-height: 46px;
  padding: 10px 12px;
  border: 1px solid #b8c7d8;
  border-radius: 10px;
  color: var(--ink);
  background: var(--white);
  font: inherit;
  font-weight: 700;
}

.calculator-field input:focus,
.calculator-field select:focus,
.debt-input-table input:focus {
  outline: 3px solid rgba(51, 240, 120, 0.55);
  border-color: var(--blue-600);
}

.calculator-field small {
  color: var(--gray);
  font-size: 0.76rem;
  font-weight: 650;
}

.calculator-actions {
  margin: 24px 0 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.calculator-actions .button {
  border: 0;
  font: inherit;
  cursor: pointer;
}

.calculator-actions .button-secondary {
  border: 2px solid var(--blue-600);
  background: var(--white);
}

.calculator-error {
  margin: 0 0 16px;
  padding: 12px 14px;
  border-left: 4px solid #bd2b2b;
  border-radius: 8px;
  color: #792020 !important;
  background: #fff0f0;
  font-weight: 800;
}

.calculator-status {
  margin: 0 0 16px;
  color: #0b5931 !important;
  font-size: 0.88rem;
  font-weight: 850;
}

.calculator-status:empty {
  display: none;
}

.calculator-results {
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.calculator-result {
  min-width: 0;
  padding: 15px;
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  background: var(--white);
}

.calculator-result dt {
  color: var(--gray);
  font-size: 0.78rem;
  font-weight: 800;
  line-height: 1.35;
}

.calculator-result dd {
  margin: 8px 0 0;
  color: var(--blue-900);
  font-size: clamp(1.05rem, 2.4vw, 1.38rem);
  font-weight: 950;
  line-height: 1.25;
  overflow-wrap: anywhere;
}

.calculator-note {
  margin: 20px 0 0 !important;
  padding-top: 18px;
  border-top: 1px solid var(--gray-200);
  color: #4f5967 !important;
  font-size: 0.82rem;
}

.offer-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.calculator-card fieldset {
  min-width: 0;
  margin: 0 0 20px;
  padding: 20px;
  border: 1px solid #c9d7e6;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.72);
}

.calculator-card legend {
  padding: 0 7px;
  color: var(--blue-900);
  font-weight: 950;
}

.offer-fields .calculator-field + .calculator-field {
  margin-top: 14px;
}

.calculator-comparison {
  min-width: 650px;
  margin-top: 6px;
  font-size: 0.9rem;
}

.calculator-summary {
  margin: 18px 0 0 !important;
  padding: 15px 17px;
  border-radius: 10px;
  color: var(--ink) !important;
  background: var(--green-050);
  font-weight: 900;
}

.debt-input-table {
  min-width: 720px;
  width: 100%;
  border-collapse: collapse;
}

.debt-input-table th,
.debt-input-table td {
  padding: 9px;
  border-bottom: 1px solid var(--gray-200);
  text-align: left;
}

.debt-input-table th {
  color: var(--ink);
  font-size: 0.82rem;
}

.debt-input-table input {
  min-width: 140px;
}

@media (max-width: 920px) {
  .cluster-grid {
    grid-template-columns: 1fr;
  }

  .cluster-card {
    min-height: 300px;
  }

  .guide-hero-inner {
    width: min(var(--max), calc(100% - 40px));
    margin: 0 auto;
  }
}

@media (max-width: 720px) {
  .guide-library-heading {
    display: block;
  }

  .guide-count {
    display: inline-flex;
    margin-top: -8px;
  }

  .topic-filters {
    flex-wrap: nowrap;
    margin-right: -14px;
    padding: 3px 14px 9px 0;
    overflow-x: auto;
    scrollbar-width: thin;
  }

  .topic-filter {
    flex: 0 0 auto;
  }

  .calculator-card {
    margin-left: -4px;
    margin-right: -4px;
    padding: 22px 18px;
  }

  .calculator-fields,
  .offer-fields,
  .calculator-results {
    grid-template-columns: 1fr;
  }

  .calculator-actions .button {
    width: 100%;
  }

  .guide-byline > span[aria-hidden="true"] {
    display: none;
  }
}

@media (max-width: 520px) {
  .learning-center-hero {
    padding: 62px 0 44px;
  }

  .cluster-card {
    min-height: 0;
    padding: 26px 22px;
  }

  .cluster-link {
    padding-top: 24px;
  }

  .topic-guide-card {
    min-height: 0;
  }

  .guide-hero {
    padding-top: 44px;
  }

  .guide-takeaways {
    padding: 22px 18px;
  }
}

@media print {
  .site-header,
  .footer,
  .guide-aside-wrap,
  .related-guides,
  .calculator-actions,
  .topic-filters {
    display: none !important;
  }

  .guide-layout {
    display: block;
  }

  .calculator-card,
  .guide-takeaways,
  .guide-sources {
    box-shadow: none;
    break-inside: avoid;
  }
}