/* Property Money — specialist-lender canvas
   Light sage-tinted paper, slate type, sage green accent. Mobile-first. */

@font-face {
  font-family: "Plus Jakarta Sans";
  src: url("../fonts/plus-jakarta-sans/latin-400.woff2") format("woff2");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: "Plus Jakarta Sans";
  src: url("../fonts/plus-jakarta-sans/latin-500.woff2") format("woff2");
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: "Plus Jakarta Sans";
  src: url("../fonts/plus-jakarta-sans/latin-600.woff2") format("woff2");
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: "Plus Jakarta Sans";
  src: url("../fonts/plus-jakarta-sans/latin-700.woff2") format("woff2");
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

:root {
  /* Lighter sage + readable slate ink */
  --paper: #f7f9f6;
  --paper-deep: #eef3ee;
  --card: #ffffff;
  --navy: #1e2933;       /* dark slate — main headings */
  --navy-mid: #334155;
  --ink: #243040;        /* body text — easier to read */
  --muted: #4b5563;      /* secondary text, still WCAG-friendly on paper */
  --line: #d7e0d9;
  --brass: #9fbfae;      /* lighter sage accent */
  --brass-deep: #7ea392;
  --brass-soft: #eaf3ee;
  --white: #ffffff;
  --ok: #3d7a5c;
  --ok-soft: #e8f4ed;
  --warn: #8a6b3a;
  --warn-soft: #f5efe4;
  --danger: #8b2e2e;
  --danger-soft: #f7e8e8;
  --shadow: 0 10px 28px rgba(30, 41, 51, 0.07);
  --radius: 18px;
  --radius-sm: 12px;
  --header-h: 72px;
  --max: 1120px;
  --gap: 20px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

html,
body {
  margin: 0;
  padding: 0;
  max-width: 100%;
  overflow-x: hidden;
}

body {
  font-family: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  background: var(--paper);
  color: var(--ink);
  line-height: 1.55;
  font-size: 16px;
  min-height: 100vh;
}

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

a {
  color: var(--navy);
  text-underline-offset: 3px;
}

a:hover {
  color: var(--brass-deep);
}

h1,
h2,
h3,
h4 {
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: var(--navy);
  margin: 0 0 0.6em;
}

h1 { font-size: clamp(1.85rem, 5.2vw, 3.15rem); }
h2 { font-size: clamp(1.45rem, 3.4vw, 2rem); }
h3 { font-size: 1.15rem; }

p { margin: 0 0 1em; }

.skip {
  position: absolute;
  left: -999px;
  top: 8px;
  background: var(--navy);
  color: #fff;
  padding: 8px 12px;
  z-index: 100;
}

.skip:focus {
  left: 8px;
}

.wrap {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(244, 240, 230, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  gap: 12px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--navy);
  flex-shrink: 0;
}


.brand-logo {
  display: block;
  height: 32px;
  width: auto;
  max-width: min(220px, 70vw);
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--navy);
  color: var(--brass);
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: -0.04em;
}

.brand-name {
  font-weight: 700;
  letter-spacing: -0.03em;
  font-size: 1.02rem;
}

.brand-name span {
  display: block;
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
}

.nav {
  display: none;
  align-items: center;
  gap: 22px;
}

.nav a {
  text-decoration: none;
  font-weight: 550;
  font-size: 0.95rem;
  color: var(--navy-mid);
}

.nav a:hover,
.nav a[aria-current="page"] {
  color: var(--navy);
}

.nav-toggle {
  appearance: none;
  border: 1px solid var(--line);
  background: var(--card);
  border-radius: 10px;
  width: 44px;
  height: 44px;
  min-width: 44px;
  min-height: 44px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--navy);
}

.nav-toggle[aria-expanded="true"] {
  background: var(--navy);
}

.nav-toggle[aria-expanded="true"] span {
  background: #fff;
}

@media (max-width: 859px) {
  .nav.is-open {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--card);
    border-bottom: 1px solid var(--line);
    padding: 16px 16px 20px;
    box-shadow: var(--shadow);
  }

  .nav.is-open a,
  .nav.is-open .btn {
    width: 100%;
    text-align: center;
  }
}

@media (min-width: 860px) {
  .nav { display: flex; }
  .nav-toggle { display: none; }
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 12px 18px;
  font: inherit;
  font-weight: 650;
  letter-spacing: -0.02em;
  text-decoration: none;
  cursor: pointer;
  min-height: 46px;
}

.btn-primary {
  background: var(--navy);
  color: #fff;
}

.btn-primary:hover {
  background: #1c2d48;
  color: #fff;
}

.btn-brass {
  background: var(--brass);
  color: var(--navy);
}

.btn-brass:hover {
  background: #d0b36c;
  color: var(--navy);
}

.btn-ghost {
  background: transparent;
  border-color: var(--line);
  color: var(--navy);
}

.btn-ghost:hover {
  border-color: var(--navy);
  color: var(--navy);
}

.btn-block { width: 100%; }

.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 650;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--brass-deep);
  margin-bottom: 10px;
}

.lede {
  font-size: 1.08rem;
  color: var(--muted);
  max-width: 42rem;
}

.hero {
  padding: 40px 0 20px;
}

.hero-grid {
  display: grid;
  gap: 28px;
}

.hero h1 span {
  color: var(--brass-deep);
}

.hero-panel {
  background: var(--navy);
  color: #e8e2d4;
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
}

.hero-panel h2 {
  color: #fff;
  font-size: 1.2rem;
}

.hero-panel p {
  color: #c9c3b6;
}

.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 8px;
}

.hero-stats div {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(196, 163, 90, 0.25);
  border-radius: 12px;
  padding: 12px;
}

.hero-stats strong {
  display: block;
  color: var(--brass);
  font-size: 1.05rem;
}

.hero-stats span {
  font-size: 0.82rem;
  color: #b9b3a6;
}

.section {
  padding: 36px 0;
}

.section-tight { padding: 20px 0 36px; }

.cards-2 {
  display: grid;
  gap: 16px;
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
}

.card h2,
.card h3 {
  margin-bottom: 0.4em;
}

.card-tool .tag {
  display: inline-block;
  background: var(--brass-soft);
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 650;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 4px 8px;
  border-radius: 999px;
  margin-bottom: 12px;
}

.trust {
  display: grid;
  gap: 10px;
}

.trust-item {
  background: var(--paper-deep);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  font-size: 0.95rem;
}

.trust-item strong {
  display: block;
  color: var(--navy);
  margin-bottom: 2px;
}

.notice {
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  font-size: 0.92rem;
  border: 1px solid var(--line);
  background: var(--warn-soft);
  color: var(--navy);
}

.notice strong { color: var(--warn); }

.notice-navy {
  background: #eef2f6;
  border-color: #d5dde6;
}

.calc-layout {
  display: grid;
  gap: 18px;
  align-items: start;
}

.results {
  background: var(--navy);
  color: #e7e1d4;
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow);
}

.results h2 {
  color: #fff;
}

.results .notice {
  background: rgba(196, 163, 90, 0.12);
  border-color: rgba(196, 163, 90, 0.28);
  color: #f0e6cf;
}

.results .notice strong {
  color: var(--brass);
}

.result-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.result-row:last-of-type { border-bottom: 0; }

.result-row span {
  color: #b8b2a5;
  font-size: 0.92rem;
}

.result-row strong {
  color: #fff;
  font-size: 1.05rem;
  text-align: right;
  letter-spacing: -0.02em;
}

.result-row.hero-figure {
  background: rgba(255, 255, 255, 0.04);
  margin: 8px -8px;
  padding: 14px 8px;
  border-radius: 10px;
  border: 0;
}

.result-row.hero-figure strong {
  color: var(--brass);
  font-size: 1.45rem;
}

.ltv-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--brass-soft);
  color: var(--navy);
  font-weight: 700;
  border-radius: 999px;
  padding: 6px 10px;
  font-size: 0.92rem;
}

.field {
  margin-bottom: 16px;
}

.field label,
.field .label {
  display: block;
  font-weight: 650;
  color: var(--navy);
  margin-bottom: 6px;
  font-size: 0.95rem;
}

.field .hint {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 400;
  margin-top: 2px;
}

.input,
select,
textarea {
  width: 100%;
  max-width: 100%;
  appearance: none;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--navy);
  border-radius: 12px;
  padding: 12px 14px;
  font: inherit;
  min-height: 48px;
}

textarea { min-height: 120px; resize: vertical; }

.input:focus,
select:focus,
textarea:focus {
  outline: 2px solid var(--brass);
  outline-offset: 1px;
  border-color: var(--brass);
}

.input-affix {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
}

.input-affix:focus-within {
  outline: 2px solid var(--brass);
  outline-offset: 1px;
  border-color: var(--brass);
}

.input-affix .prefix,
.input-affix .suffix {
  padding: 0 12px;
  color: var(--muted);
  font-weight: 650;
  background: #faf7f0;
  align-self: stretch;
  display: grid;
  place-items: center;
}

.input-affix .input {
  border: 0;
  border-radius: 0;
  min-height: 46px;
}

.input-affix .input:focus { outline: none; }

.seg {
  display: flex;
  flex-wrap: wrap;
  width: 100%;
  max-width: 100%;
  background: var(--paper-deep);
  border-radius: 999px;
  padding: 4px;
  gap: 4px;
}

.seg label {
  flex: 1 1 8.5rem;
  min-width: 0;
  margin: 0;
}

.seg input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.seg span {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 40px;
  height: auto;
  border-radius: 999px;
  font-weight: 650;
  font-size: 0.9rem;
  color: var(--navy-mid);
  cursor: pointer;
  text-align: center;
  padding: 8px 10px;
  white-space: normal;
  line-height: 1.25;
  overflow-wrap: break-word;
  hyphens: auto;
}

.seg input:checked + span {
  background: var(--navy);
  color: #fff;
}

.seg input:focus-visible + span {
  outline: 2px solid var(--brass);
}

.check {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 10px;
  align-items: start;
  font-size: 0.92rem;
  color: var(--navy-mid);
  max-width: 100%;
  overflow-wrap: break-word;
}

.check input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--navy);
  flex-shrink: 0;
}

.form-grid {
  display: grid;
  gap: 0;
}

.hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-status {
  margin-top: 10px;
  font-size: 0.92rem;
}

.form-status.error { color: var(--danger); }
.form-status.ok { color: var(--ok); }

.faq details {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  margin-bottom: 10px;
}

.faq summary {
  cursor: pointer;
  font-weight: 650;
  color: var(--navy);
  list-style: none;
}

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

.faq summary::after {
  content: "+";
  float: right;
  color: var(--brass-deep);
  font-weight: 700;
}

.faq details[open] summary::after { content: "–"; }

.faq details p {
  margin: 10px 0 0;
  color: var(--muted);
}

.site-footer {
  margin-top: 24px;
  background: var(--navy);
  color: #c8c2b5;
  padding: 36px 0 28px;
}

.site-footer a { color: #f0e6cf; }

.footer-grid {
  display: grid;
  gap: 22px;
}

.site-footer h2,
.site-footer .brand-name {
  color: #fff;
}

.legal {
  font-size: 0.86rem;
  line-height: 1.55;
}

.legal p { margin-bottom: 0.7em; }

.page-head {
  padding: 28px 0 8px;
}

.cta-band {
  margin-top: 18px;
  background: var(--paper-deep);
  border-radius: var(--radius);
  padding: 20px;
}

.split-actions {
  display: grid;
  gap: 10px;
}

.gap-good { color: #8ee0b8 !important; }
.gap-bad { color: #f0c27a !important; }

.summary-box {
  background: rgba(255, 255, 255, 0.05);
  border-radius: 12px;
  padding: 14px;
  margin: 12px 0;
  color: #ddd6c7;
  font-size: 0.95rem;
}

.kicker-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
  margin-bottom: 10px;
}

.fine {
  font-size: 0.82rem;
  color: var(--muted);
}

.results .fine { color: #b8b2a5; }

@media (min-width: 860px) {
  .hero { padding: 56px 0 28px; }
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    align-items: center;
  }
  .cards-2 { grid-template-columns: 1fr 1fr; }
  .trust { grid-template-columns: repeat(3, 1fr); }
  .calc-layout { grid-template-columns: 1.1fr 0.9fr; }
  .results { position: sticky; top: 88px; }
  .form-grid.two { grid-template-columns: 1fr 1fr; gap: 0 16px; }
  .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .split-actions { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 390px) {
  .wrap { width: min(var(--max), calc(100% - 24px)); }
  .btn { padding: 11px 14px; }
  .result-row { flex-wrap: wrap; }
  .card { padding: 18px; }
  .calc-layout { grid-template-columns: 1fr; gap: 14px; }

  /* Segmented controls: labels wrap cleanly on narrow phones */
  .seg {
    flex-wrap: wrap;
    border-radius: 16px;
  }
  .seg label {
    flex: 1 1 calc(50% - 4px);
    min-width: 0;
  }
  .seg span {
    font-size: 0.84rem;
    padding: 8px 6px;
    border-radius: 12px;
    white-space: normal;
    overflow-wrap: anywhere;
  }
  .seg-control {
    display: flex;
    max-width: 100%;
    flex-wrap: wrap;
  }
  .seg-option {
    min-width: 0;
    flex: 1 1 auto;
  }
  .seg-option span {
    padding: 8px 12px;
    white-space: normal;
    text-align: center;
  }

  /* Checkbox rows: label text wraps beside the control */
  .check {
    max-width: 100%;
    overflow-wrap: anywhere;
  }
  .check span,
  .check label,
  .check {
    min-width: 0;
  }

  /* BMI metric/imperial fields: prevent horizontal overflow */
  #metric-hw,
  #imperial-hw,
  #metric-hw.form-grid.two,
  #imperial-hw.form-grid.two {
    grid-template-columns: minmax(0, 1fr);
    max-width: 100%;
  }
  #metric-hw .field,
  #imperial-hw .field,
  #metric-hw .input,
  #imperial-hw .input {
    max-width: 100%;
    min-width: 0;
  }
  .hw-imperial {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 6px;
    max-width: 100%;
  }
  .hw-imperial .input-affix,
  .hw-imperial .input-affix .input {
    min-width: 0;
    max-width: 100%;
  }
  .bmi-live {
    max-width: 100%;
  }
  .bmi-live .result-row {
    flex-wrap: wrap;
    gap: 4px 12px;
  }
  .bmi-live .result-row strong {
    text-align: left;
  }

  /* Guide prose stays within the viewport */
  .page-shell,
  .guide-hub,
  .guide-card,
  .guide-card p,
  .guide-card li,
  .guide-card ul,
  .guide-cta,
  .guide-related {
    max-width: 100%;
  }
  .guide-card {
    padding: 1.15rem 1rem 1.5rem;
  }
  .page-shell,
  .guide-hub {
    width: min(100% - 1.25rem, 44rem);
  }

  /* Comfortable tap target for mobile menu */
  .nav-toggle {
    width: 44px;
    height: 44px;
    min-width: 44px;
    min-height: 44px;
  }

  .prot-section {
    padding: 14px 12px 4px;
  }
}

/* Protection gap — progressive sections + calm stats panel */
.prot-section {
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px 16px 4px;
  margin: 0 0 18px;
  background: var(--paper-deep);
}

.prot-section legend {
  font-weight: 700;
  color: var(--navy);
  padding: 0 8px;
  font-size: 1.02rem;
}

.notice-calm {
  background: var(--brass-soft);
  border-color: #c9dccf;
  color: var(--ink);
}

.notice-calm strong { color: var(--navy-mid); }

.stats-panel { margin-bottom: 8px; }

.stats-heading {
  margin: 0 0 6px;
  font-size: 1.15rem;
  color: var(--navy);
}

.stats-list {
  margin: 10px 0 0;
  padding-left: 1.15rem;
}

.stats-list li { margin-bottom: 12px; }

.stat-source {
  display: block;
  margin-top: 4px;
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.4;
}

.results h3 {
  font-size: 0.98rem;
  font-weight: 600;
  letter-spacing: 0.01em;
}


/* Protection — policy explainers + FIB callout */
.explain-group-title {
  margin: 16px 0 8px;
  font-size: 0.95rem;
  color: var(--navy-mid);
}

.explain-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
  margin-bottom: 4px;
}

@media (min-width: 720px) {
  .explain-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.explain-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}

.explain-card p {
  margin: 6px 0 0;
  font-size: 0.9rem;
  color: var(--ink);
  line-height: 1.45;
}

.explain-card-highlight {
  border-color: #b7d0c2;
  background: var(--brass-soft);
  box-shadow: inset 0 0 0 1px rgba(126, 163, 146, 0.25);
}

.fib-callout {
  margin: 16px 0 12px;
  border: 1px solid #b7d0c2;
}

.fib-eyebrow {
  margin: 0 0 6px;
  color: var(--navy-mid);
}

.fib-results-block {
  margin: 10px 0 14px;
  padding: 10px 12px;
  border: 1px solid rgba(183, 208, 194, 0.55);
  border-radius: var(--radius-sm);
  background: rgba(234, 243, 238, 0.12);
}

.fib-results-title {
  margin: 0 0 4px;
  color: #e8f0ea;
  font-size: 0.95rem;
}

.result-protects {
  margin: 0 0 8px;
  font-size: 0.78rem;
  line-height: 1.4;
  color: #b8b2a5;
}

.fib-max-note {
  margin-top: 8px;
}


/* Illustrative cost factors — unit toggle + BMI */
.label-like {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--ink);
  font-size: 0.95rem;
}

.seg-control {
  display: inline-flex;
  border: 1px solid var(--line);
  border-radius: 999px;
  overflow: hidden;
  background: #fff;
}

.seg-option {
  position: relative;
  margin: 0;
  cursor: pointer;
}

.seg-option input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.seg-option span {
  display: block;
  padding: 8px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--muted);
  background: transparent;
  transition: background 0.15s, color 0.15s;
}

.seg-option input:checked + span {
  background: var(--navy);
  color: #fff;
}

.seg-option:focus-within span {
  outline: 2px solid var(--brass);
  outline-offset: -2px;
}

.hw-imperial {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 8px;
  max-width: 100%;
}

.hw-imperial .input-affix {
  min-width: 0;
}

.hw-imperial .input-affix .input {
  min-width: 0;
  padding-left: 10px;
  padding-right: 8px;
}

.hw-imperial .input-affix .suffix {
  padding: 0 8px;
  flex-shrink: 0;
}

.bmi-live {
  margin: 12px 0 16px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  background: #fff;
  border: 1px solid var(--line);
}

.bmi-live .result-row {
  color: var(--ink);
  border-color: var(--line);
}

.bmi-live .result-row strong {
  color: var(--navy);
}

.premium-results .premium-disclaimer {
  color: #f0e6d2;
  margin-bottom: 10px;
}

.notice-warn {
  background: rgba(240, 194, 122, 0.15);
  border: 1px solid rgba(240, 194, 122, 0.45);
  color: #f5e6c8;
  padding: 10px 12px;
  border-radius: 10px;
  margin: 10px 0;
  font-size: 0.9rem;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* —— Mortgage guides hub + articles —— */
.page-shell {
  width: min(100% - 2rem, 44rem);
  margin: 0 auto;
  padding: clamp(2rem, 6vw, 4rem) 0 4rem;
  max-width: 100%;
  overflow-wrap: break-word;
}

.legal-nav {
  margin-bottom: 1.5rem;
}

.legal-nav a {
  color: var(--muted);
  text-decoration: none;
  font-weight: 600;
}

.legal-nav a:hover {
  color: var(--navy);
}

.guide-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: clamp(1.4rem, 3vw, 2.1rem) clamp(1.2rem, 3vw, 2rem) 2.2rem;
  max-width: 100%;
  overflow-wrap: break-word;
  word-wrap: break-word;
}

.guide-card h1 {
  margin: 0 0 1rem;
  color: var(--navy);
  font-size: clamp(1.65rem, 4vw, 2.15rem);
  letter-spacing: -0.03em;
  line-height: 1.15;
}

.guide-card h2 {
  margin: 2rem 0 0.6rem;
  color: var(--navy);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.03em;
}

.guide-card h3 {
  margin: 1.25rem 0 0.4rem;
  color: var(--navy-mid);
  font-size: 1.05rem;
}

.guide-card p,
.guide-card li {
  color: var(--muted);
}

.guide-card > p:first-of-type,
.guide-card .lede-inline {
  color: var(--ink);
  font-size: 1.05rem;
}

.guide-card ul {
  padding-left: 1.15rem;
}

.guide-card a {
  color: var(--navy);
  font-weight: 600;
}

/* Guide CTAs: do not inherit navy link colour onto filled buttons */
.guide-card a.btn-primary,
.guide-cta a.btn-primary {
  color: #fff;
}
.guide-card a.btn-primary:hover,
.guide-cta a.btn-primary:hover {
  color: #fff;
}
.guide-card a.btn-brass,
.guide-cta a.btn-brass {
  color: var(--navy);
}
.guide-card a.btn-ghost,
.guide-cta a.btn-ghost {
  color: var(--navy);
}

.guide-cta {
  margin: 2rem 0 0;
  padding: 1.4rem 1.25rem 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--brass-soft);
}

.guide-cta p {
  margin: 0 0 1rem;
  color: var(--ink);
  font-weight: 600;
}

.guide-cta .split-actions {
  margin-top: 0;
}

.guide-related {
  margin: 2.25rem 0 0;
}

.guide-related h2 {
  margin-bottom: 0.75rem;
}

.guide-related ul {
  margin: 0;
  padding-left: 1.15rem;
}

.guide-related a {
  font-weight: 600;
}

.guide-hub {
  width: min(100% - 2rem, var(--max));
  margin: 0 auto;
  padding: clamp(2rem, 6vw, 4rem) 0 4rem;
}

.guide-hub h1 {
  margin: 0 0 0.85rem;
  color: var(--navy);
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 700;
  letter-spacing: -0.04em;
  line-height: 1.1;
}

.guide-hub > .lede {
  max-width: 40rem;
  margin-bottom: 1.75rem;
}

.guide-grid {
  display: grid;
  gap: 1.15rem;
}

@media (min-width: 800px) {
  .guide-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.product-card {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  padding: 1.5rem 1.35rem 1.55rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--card);
  box-shadow: var(--shadow);
  color: inherit;
  text-decoration: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.product-card:hover {
  border-color: var(--brass-deep);
  box-shadow: 0 12px 32px rgba(30, 41, 51, 0.1);
  color: inherit;
}

.product-kicker {
  margin: 0 0 0.85rem;
  color: var(--brass-deep);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.product-card h3 {
  margin: 0 0 0.55rem;
  color: var(--navy);
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.25;
}

.product-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.product-cta {
  margin-top: auto;
  padding-top: 1.15rem;
  color: var(--navy);
  font-size: 0.92rem;
  font-weight: 700;
}

.product-card:hover .product-cta {
  color: var(--brass-deep);
}

.guide-hub > .guide-cta {
  margin-top: 2rem;
}

/* Mobile form/control polish */
@media (max-width: 480px) {
  .seg {
    flex-wrap: wrap;
  }
  .seg label {
    flex: 1 1 auto;
    min-width: 0;
    white-space: normal;
  }
  .check span {
    white-space: normal;
  }
  .input-affix {
    max-width: 100%;
  }
  .nav-toggle {
    min-width: 44px;
    min-height: 44px;
  }
}