:root {
  --evergreen: #123c32;
  --evergreen-2: #0b2d27;
  --forest: #1d594a;
  --mint: #8dd9b2;
  --mint-pale: #dff3e7;
  --cream: #f7f3e8;
  --paper: #fffdf8;
  --nav-surface: rgba(255,253,248,.97);
  --coral: #ed7a5f;
  --ink: #18231f;
  --muted: #5e6d67;
  --line: #d7ded9;
  --max: 1180px;
  --hero-max: 1440px;
  --font-display: Georgia, "Times New Roman", serif;
  --font-body: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
*, *::before, *::after { box-sizing: border-box; border-radius: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 100px; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--font-body); line-height: 1.6; text-rendering: optimizeLegibility; }
body.menu-open { overflow: hidden; }
a { color: inherit; text-underline-offset: 3px; }
img { max-width: 100%; display: block; }
button, input, select { font: inherit; }
:focus-visible { outline: 3px solid var(--coral); outline-offset: 3px; }
h1, h2, h3 { margin: 0; color: var(--evergreen-2); font-family: var(--font-display); line-height: 1.08; letter-spacing: -.025em; }
h1 { font-size: clamp(2.45rem, 6vw, 5.8rem); }
h2 { font-size: clamp(1.9rem, 3.4vw, 3.15rem); }
h3 { font-size: 1.45rem; }
p { margin: 0; }
#main-content :is(h1, h2, h3, p) { max-width: none; max-inline-size: none; }
.skip-link { position: fixed; left: 1rem; top: -100px; z-index: 500; padding: .65rem 1rem; background: white; color: var(--evergreen); }
.skip-link:focus { top: 1rem; }
.site-header { position: sticky; top: 0; z-index: 210; height: 76px; background: var(--nav-surface); border: 0; box-shadow: none; }
.nav-shell { width: min(var(--max), calc(100% - 2rem)); height: 100%; margin: auto; display: flex; align-items: center; gap: 2.2rem; }
.brand { width: 172px; flex: none; }
.brand img { width: 100%; height: auto; }
.desktop-nav { display: flex; align-items: center; gap: 1.7rem; margin-left: auto; font-size: .9rem; font-weight: 700; }
.desktop-nav > a, .nav-trigger { text-decoration: none; color: var(--evergreen-2); }
.desktop-nav > a:hover { color: var(--forest); text-decoration: underline; }
.nav-dropdown { height: 76px; display: flex; align-items: center; }
.nav-trigger { appearance: none; display: inline-flex; align-items: center; gap: .6rem; border: 0; background: none; padding: 1.2rem 0; cursor: pointer; font-weight: 700; }
.nav-trigger-label { text-underline-offset: 3px; }
.nav-trigger:hover .nav-trigger-label, .nav-trigger:focus-visible .nav-trigger-label, .nav-dropdown.open .nav-trigger-label { color: var(--forest); text-decoration: underline; }
.nav-chevron { position: relative; display: grid; place-items: center; width: 30px; height: 26px; overflow: hidden; color: var(--evergreen-2); background: linear-gradient(90deg, var(--mint-pale) 0 73%, var(--mint) 73%); border: 1px solid #8fbea4; transition: color .18s ease, background-color .18s ease, border-color .18s ease; }
.nav-chevron::after { content: ""; position: absolute; right: 7px; top: 0; bottom: 0; width: 1px; background: rgba(18,60,50,.18); }
.nav-chevron svg { position: relative; z-index: 1; width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: square; stroke-linejoin: miter; transition: transform .22s ease; }
.nav-chevron-stem { opacity: .45; }
.nav-dropdown:hover .nav-chevron, .nav-dropdown:focus-within .nav-chevron, .nav-dropdown.open .nav-chevron { color: white; background: linear-gradient(90deg, var(--evergreen) 0 73%, var(--coral) 73%); border-color: var(--evergreen); }
.nav-dropdown:hover .nav-chevron::after, .nav-dropdown:focus-within .nav-chevron::after, .nav-dropdown.open .nav-chevron::after { background: rgba(255,255,255,.25); }
.nav-dropdown:hover .nav-chevron svg, .nav-dropdown:focus-within .nav-chevron svg, .nav-dropdown.open .nav-chevron svg { transform: rotate(180deg); }
.nav-mega { display: none; position: absolute; left: 50%; top: 75px; transform: translateX(-50%); width: min(980px, calc(100vw - 2rem)); padding: 0; overflow: hidden; background: var(--paper); border: 1px solid #aebdb7; border-top: 5px solid var(--mint); }
.nav-dropdown:hover .nav-mega, .nav-dropdown:focus-within .nav-mega, .nav-dropdown.open .nav-mega { display: block; }
.nav-mega-head { display: flex; justify-content: space-between; align-items: end; gap: 2rem; padding: 1.2rem 1.4rem; color: white; background: var(--evergreen-2); }
.nav-mega-head strong { display: block; color: white; font-family: var(--font-display); font-size: 1.45rem; line-height: 1.15; }
.nav-mega-head p { max-width: 620px; margin-top: .35rem; color: #bcd0c8; font-size: .73rem; line-height: 1.5; }
.nav-mega-head > a { flex: none; color: var(--mint); font-size: .75rem; font-weight: 850; }
.nav-guide-layout { display: grid; grid-template-columns: 1fr 245px; gap: 1px; background: #aebdb7; }
.nav-mega-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--line); }
.nav-card { display: grid; grid-template-columns: 46px 1fr; gap: .85rem; min-height: 118px; padding: 1.05rem; background: var(--paper); border-left: 4px solid transparent; }
.nav-card-hardship-help { border-left-color: var(--coral); }
.nav-card-mortgage-foreclosure { border-left-color: #518368; }
.nav-card-debt-recovery { border-left-color: #c49335; }
.nav-card-income-bills { border-left-color: #517188; }
.nav-card-icon { display: grid; place-items: center; width: 46px; height: 46px; color: var(--forest); background: var(--mint-pale); border: 1px solid #b8d8c4; }
.nav-card-icon svg { width: 30px; height: 30px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: square; stroke-linejoin: miter; }
.nav-card a, .nav-tool-card a { display: block; color: var(--evergreen-2); font-weight: 850; text-decoration: none; }
.nav-card a:hover, .nav-tool-card a:hover { color: var(--forest); text-decoration: underline; }
.nav-card div > span, .nav-tool-card div > span { display: block; margin-top: .25rem; color: var(--muted); font-size: .7rem; line-height: 1.42; }
.nav-mega-route { display: flex; flex-direction: column; padding: 1.2rem; color: white; background: var(--evergreen); }
.nav-mega-route strong { color: white; font-family: var(--font-display); font-size: 1.2rem; line-height: 1.2; }
.nav-mega-route p { margin-top: .55rem; color: #c9dad3; font-size: .72rem; line-height: 1.5; }
.nav-mega-route > a { margin-top: auto; padding: .75rem 0; color: var(--mint); border-block: 1px solid #477166; font-size: .76rem; font-weight: 850; text-decoration: none; }
.nav-mega-route > a span { float: right; color: var(--coral); font-size: 1rem; }
.nav-mega-route small { margin-top: .7rem; color: #9db8ae; font-size: .64rem; }
.nav-tools-panel { width: min(1040px, calc(100vw - 2rem)); }
.nav-tool-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; padding: 1px; background: var(--line); }
.nav-tool-card { min-height: 180px; padding: 1.15rem; background: var(--paper); border-top: 4px solid var(--mint); }
.nav-tool-card .nav-card-icon { margin-bottom: 1rem; }
.nav-tool-payoff { border-top-color: var(--coral); }
.nav-tool-payoff .nav-card-icon { color: white; background: var(--evergreen); border-color: var(--evergreen); }
.nav-tool-call { border-top-color: #c49335; }
.nav-tool-call .nav-card-icon { color: #8f432f; background: #fff1ea; border-color: #e9b2a3; }
.nav-tool-calendar { border-top-color: #517188; }
.nav-tool-calendar .nav-card-icon { color: #294e63; background: #edf3f6; border-color: #b7cbd6; }
.header-cta { padding: .6rem .9rem; color: white; background: var(--evergreen); border: 1px solid var(--evergreen); border-radius: 0; text-decoration: none; font-size: .8rem; font-weight: 800; }
.header-cta:hover { background: var(--forest); }
.menu-button { display: none; align-items: stretch; min-height: 44px; padding: 0; overflow: hidden; color: var(--evergreen-2); background: var(--paper); border: 1px solid #94a79f; border-radius: 0; cursor: pointer; font-size: .76rem; font-weight: 850; letter-spacing: .035em; }
.menu-label { display: flex; align-items: center; padding: 0 .85rem; }
.menu-icon { position: relative; display: grid; place-items: center; width: 44px; min-height: 42px; background: var(--evergreen); border-left: 1px solid var(--evergreen); }
.menu-icon i { position: absolute; right: 13px; width: 17px; height: 2px; background: white; transform-origin: center; transition: transform .2s ease, width .2s ease, opacity .15s ease; }
.menu-icon i:nth-child(1) { transform: translateY(-6px); }
.menu-icon i:nth-child(2) { width: 11px; transform: translateY(0); }
.menu-icon i:nth-child(3) { transform: translateY(6px); }
.menu-button:hover, .menu-button:focus-visible { border-color: var(--evergreen); }
.menu-button[aria-expanded="true"] { color: white; background: var(--evergreen-2); border-color: var(--evergreen-2); }
.menu-button[aria-expanded="true"] .menu-icon { background: var(--coral); border-color: var(--coral); }
.menu-button[aria-expanded="true"] .menu-icon i:nth-child(1) { transform: rotate(45deg); }
.menu-button[aria-expanded="true"] .menu-icon i:nth-child(2) { width: 0; opacity: 0; }
.menu-button[aria-expanded="true"] .menu-icon i:nth-child(3) { transform: rotate(-45deg); }
.mobile-menu { display: none; position: fixed; inset: 76px 0 0; z-index: 200; overflow-y: auto; color: var(--ink); background: #eef3f0; border-top: 4px solid var(--mint); }
.mobile-menu.open { display: block; animation: menu-reveal .18s ease-out; }
.mobile-menu-inner { width: min(900px, calc(100% - 2rem)); margin: auto; padding: 1.5rem 0 3rem; }
.mobile-menu-heading { display: flex; justify-content: space-between; gap: 2rem; align-items: end; padding: 0 0 1.1rem; border-bottom: 1px solid #b9c8c1; }
.mobile-menu-heading strong { display: block; color: var(--evergreen-2); font-family: var(--font-display); font-size: 1.65rem; line-height: 1.1; }
.mobile-menu-heading p { margin-top: .35rem; color: var(--muted); font-size: .75rem; }
.mobile-primary { display: grid; grid-template-columns: 1fr 48px; align-items: center; margin: 1rem 0 1.4rem; padding-left: 1rem; min-height: 54px; color: white; background: var(--evergreen); border: 1px solid var(--evergreen); border-radius: 0; font-weight: 850; text-decoration: none; }
.mobile-primary span { display: grid; place-items: center; align-self: stretch; color: var(--evergreen-2); background: var(--mint); font-size: 1.15rem; }
.mobile-primary:hover { background: var(--forest); }
.mobile-menu-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; padding: 1px; background: #bdcbc5; }
.mobile-menu-grid section { padding: 1.15rem; background: var(--paper); }
.mobile-menu-section-title { padding-bottom: .65rem; color: var(--evergreen-2); border-bottom: 2px solid var(--evergreen); font-size: .74rem; font-weight: 850; letter-spacing: .04em; }
.mobile-menu-grid a { display: flex; justify-content: space-between; align-items: center; gap: 1rem; min-height: 46px; padding: .7rem 0; color: var(--evergreen-2); border-bottom: 1px solid var(--line); text-decoration: none; font-size: .8rem; font-weight: 700; }
.mobile-menu-grid a:last-child { border-bottom: 0; }
.mobile-menu-grid a:hover { color: var(--forest); text-decoration: underline; }
.mobile-menu-grid a span { color: var(--coral); font-size: 1rem; }
.mobile-utility { display: flex; flex-wrap: wrap; gap: .25rem 1.1rem; margin-top: 1.2rem; padding: 1rem 0 0; border-top: 1px solid #b9c8c1; }
.mobile-utility a { color: var(--muted); font-size: .72rem; font-weight: 700; }
@keyframes menu-reveal { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: .75rem 1.1rem; border: 1px solid transparent; border-radius: 0; cursor: pointer; font-weight: 800; text-decoration: none; }
.button-primary { color: white; background: var(--evergreen); border-color: var(--evergreen); }
.button-primary:hover { background: var(--forest); }
.button-light { color: var(--evergreen-2); background: var(--cream); border-color: var(--cream); }
.button-light:hover { background: white; }
.button-secondary { color: var(--evergreen); background: transparent; border-color: var(--evergreen); }
.button-row { display: flex; flex-wrap: wrap; gap: .7rem; }
.home-hero { position: relative; min-height: 650px; display: grid; align-items: center; overflow: hidden; background: var(--evergreen-2); }
.home-hero > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-wash { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(8,40,34,.98) 0%, rgba(8,40,34,.91) 43%, rgba(8,40,34,.15) 77%); }
.hero-content { position: relative; width: min(var(--hero-max), calc(100% - 2rem)); margin: auto; padding: 5rem 0; }
.hero-content h1 { width: 100%; color: white; font-size: clamp(3rem, 5.3vw, 5.15rem); text-wrap: balance; }
.hero-content > p { width: 100%; margin: 1.4rem 0 1.8rem; color: #dce9e3; font-size: 1.08rem; }
.hero-content .button-primary { color: var(--evergreen-2); background: var(--mint); border-color: var(--mint); }
.hero-trust { display: flex; flex-wrap: wrap; gap: .6rem 1.4rem; margin-top: 1.5rem; color: #c0d2cb; font-size: .73rem; }
.hero-trust span::before { content: "✓"; margin-right: .35rem; color: var(--mint); font-weight: 900; }
.urgent-strip { display: flex; justify-content: space-between; align-items: center; gap: 2rem; padding: 1rem max(1rem, calc((100vw - var(--max))/2)); color: #402118; background: #fbe3d7; border-bottom: 1px solid #efb9a9; }
.urgent-strip div { display: flex; flex-wrap: wrap; gap: .35rem 1rem; }
.urgent-strip span, .urgent-strip a { font-size: .78rem; }
.urgent-strip a { flex: none; font-weight: 800; }
.section-shell { width: min(var(--max), calc(100% - 2rem)); margin: auto; padding: 5.5rem 0; }
.section-heading { width: 100%; margin-bottom: 2rem; }
.section-heading p { margin-top: .65rem; color: var(--muted); }
.section-heading.split { max-width: none; display: flex; justify-content: space-between; align-items: end; gap: 2rem; }
.section-heading.split > a { flex: none; color: var(--forest); font-weight: 800; }
.path-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-block: 1px solid var(--line); }
.path-grid article { padding: 2rem; }
.path-grid article + article { border-left: 1px solid var(--line); }
.path-arrow { width: 80px; height: 30px; margin-bottom: 1.4rem; fill: none; stroke: var(--coral); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.path-grid h3 { margin-bottom: .55rem; }
.path-grid p { color: var(--muted); font-size: .9rem; }
.finder-preview { display: grid; grid-template-columns: 1.05fr .95fr; gap: 4rem; align-items: center; padding: 5rem max(1rem, calc((100vw - var(--max))/2)); background: var(--cream); border-block: 1px solid #e5decd; }
.finder-preview-copy > p { margin: 1rem 0; color: var(--muted); }
.check-list { padding: 0; list-style: none; }
.check-list li { position: relative; padding: .55rem 0 .55rem 1.6rem; border-bottom: 1px solid #ded8c9; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--forest); font-weight: 900; }
.text-link, .card-action { display: inline-block; margin-top: 1rem; color: var(--forest); font-weight: 850; }
.finder-sample { border: 1px solid #b8c7c0; background: var(--paper); }
.sample-top { padding: 1.2rem; color: white; background: var(--evergreen); }
.sample-top strong { display: block; font-family: var(--font-display); font-size: 1.45rem; }
.sample-body { padding: 1.25rem; }
.sample-body p { padding: .8rem 0; border-bottom: 1px solid var(--line); font-size: .84rem; }
.sample-body p:last-child { border: 0; }
.sample-body b { display: block; color: var(--forest); }
.hub-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; padding: 1px; background: var(--line); }
.hub-card { padding: 2rem; background: var(--paper); }
.hub-card h3 a { text-decoration: none; }
.hub-card h3 a:hover { text-decoration: underline; }
.hub-card p { margin-top: .6rem; color: var(--muted); }
.magazine-band { background: var(--evergreen-2); }
.magazine-band .section-heading h2 { color: white; }
.magazine-band .section-heading p { color: #b9ccc5; }
.magazine-band .section-heading a { color: var(--mint); }
.magazine-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 1px; background: #416158; border: 1px solid #416158; }
.magazine-grid article { padding: 1.4rem; background: var(--evergreen-2); }
.magazine-grid article:first-child { grid-row: span 2; padding: 2rem; }
.magazine-grid span { color: var(--mint); font-size: .67rem; font-weight: 800; }
.magazine-grid h3 { margin: .5rem 0; color: white; font-family: var(--font-display); }
.magazine-grid article:first-child h3 { font-size: 2.25rem; }
.magazine-grid h3 a { text-decoration: none; }
.magazine-grid h3 a:hover { text-decoration: underline; }
.magazine-grid p { color: #bed0c9; font-size: .82rem; }
.magazine-grid small { display: block; margin-top: 1rem; color: #8fa9a0; }
.guide-directory { padding-top: 4rem; }
.guide-directory-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; padding: 1px; background: var(--line); }
.guide-directory-grid > section { padding: 1.6rem; background: var(--paper); }
.guide-directory-grid h3 { font-size: 1.45rem; }
.guide-directory-grid h3 a { text-decoration: none; }
.guide-directory-grid h3 a:hover { text-decoration: underline; }
.guide-directory-grid p { margin-top: .55rem; color: var(--muted); font-size: .82rem; }
.guide-directory-grid ul { margin: 1rem 0 0; padding-left: 1.1rem; }
.guide-directory-grid li + li { margin-top: .55rem; }
.guide-directory-grid li::marker { color: var(--coral); }
.guide-directory-grid li a { color: var(--evergreen-2); font-size: .84rem; font-weight: 750; }
.source-standard { display: grid; grid-template-columns: 1.1fr .9fr; gap: 4rem; align-items: center; }
.source-standard p { margin: 1rem 0; color: var(--muted); }
.source-standard a { color: var(--forest); font-weight: 800; }
.source-list { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--line); }
.source-list span { padding: 1.1rem; border: 1px solid var(--line); color: var(--forest); font-family: var(--font-display); font-size: 1.2rem; text-align: center; }
.source-list span:last-child { grid-column: 1 / -1; }
.breadcrumb-bar { background: var(--nav-surface); border: 0; box-shadow: none; }
.breadcrumb-shell { width: min(var(--max), calc(100% - 2rem)); margin: auto; }
.breadcrumb-bar .breadcrumb { min-height: 42px; margin: 0; padding: .7rem 0; }
.breadcrumb-bar + .page-hero, .breadcrumb-bar + .tool-hero { padding-top: 3.5rem; }
.breadcrumb-bar + .article-page .article-header { padding-top: 3.5rem; }
.page-hero, .tool-hero { padding: 4.5rem max(1rem, calc((100vw - var(--hero-max))/2)); background: var(--cream); border-bottom: 1px solid #e1d9c7; }
.page-hero > div, .tool-hero > div:first-child { width: 100%; min-width: 0; }
.page-hero p, .tool-hero p { width: 100%; margin-top: 1rem; color: var(--muted); font-size: 1.05rem; }
.tool-hero { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 2rem; }
.tool-hero h1, .page-hero h1 { font-size: clamp(2.6rem, 4.6vw, 4.65rem); text-wrap: balance; }
.privacy-chip { flex: none; padding: .55rem .8rem; color: var(--evergreen); background: var(--mint-pale); border: 1px solid #a9d8bc; border-radius: 0; font-size: .72rem; font-weight: 800; }
.tool-shell, .calculator-shell, .planner-shell { width: min(var(--max), calc(100% - 2rem)); margin: 3rem auto 5rem; padding: 2rem; border: 1px solid var(--line); background: white; }
.finder-progress { display: flex; align-items: center; gap: 1rem; margin-bottom: 2rem; color: var(--muted); font-size: .8rem; font-weight: 800; }
.finder-progress > div { flex: 1; height: 5px; overflow: hidden; background: #e7ebe8; border-radius: 0; }
.finder-progress i { display: block; width: 33%; height: 100%; background: var(--coral); transition: width .2s; }
fieldset { margin: 0; padding: 0; border: 0; }
legend { margin-bottom: 1.4rem; color: var(--evergreen-2); font-family: var(--font-display); font-size: clamp(1.8rem, 4vw, 2.7rem); font-weight: 700; }
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; }
.option-grid.compact { grid-template-columns: 1fr; }
.option-card { position: relative; display: block; cursor: pointer; }
.option-card input { position: absolute; opacity: 0; }
.option-card span { display: block; height: 100%; padding: 1rem 1rem 1rem 2.8rem; border: 1px solid var(--line); border-radius: 0; }
.option-card span::before { content: ""; position: absolute; left: 1rem; top: 1.25rem; width: 16px; height: 16px; border: 2px solid #94a39d; border-radius: 0; }
.option-card input:checked + span { border-color: var(--forest); background: #f0f8f3; }
.option-card input:checked + span::before { border: 5px solid var(--forest); }
.option-card input:focus-visible + span { outline: 3px solid #f3b7a6; outline-offset: 2px; }
.option-card b { display: block; color: var(--evergreen-2); }
.option-card small { display: block; margin-top: .25rem; color: var(--muted); line-height: 1.45; }
.finder-controls { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.5rem; }
.finder-controls [data-next] { margin-left: auto; }
.finder-result h2 { margin-bottom: .8rem; }
.finder-result > p { color: var(--muted); }
.result-warning { margin: 1rem 0; padding: 1rem; border-left: 4px solid var(--coral); background: #fff2ec; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; margin: 1.5rem 0; background: var(--line); border: 1px solid var(--line); }
.result-grid section { padding: 1.2rem; background: white; }
.result-grid h3 { margin-bottom: .5rem; font-family: var(--font-body); font-size: .9rem; }
.result-grid ul { margin: 0; padding-left: 1.1rem; color: var(--muted); font-size: .85rem; }
.result-links { display: flex; flex-wrap: wrap; gap: .7rem; }
.tool-notes { width: min(var(--max), calc(100% - 2rem)); margin: -2rem auto 5rem; padding: 1.5rem; background: var(--cream); border: 1px solid #e1d9c7; }
.tool-notes h2 { font-size: 1.5rem; }
.tool-notes div { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin: 1rem 0; color: var(--muted); font-size: .84rem; }
.tool-notes > a { color: var(--forest); font-weight: 800; }
.related-resources { padding-top: 2rem; }
.related-resources + .tool-notes { margin-top: 0; }
.resource-card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; padding: 1px; background: var(--line); }
.resource-card-grid article { padding: 1.5rem; background: var(--paper); }
.resource-card-grid h3 { font-size: 1.25rem; }
.resource-card-grid h3 a { text-decoration: none; }
.resource-card-grid h3 a:hover { text-decoration: underline; }
.resource-card-grid p { margin: .7rem 0; color: var(--muted); font-size: .86rem; }
.resource-card-grid article > a { color: var(--forest); font-size: .78rem; font-weight: 850; }
.tool-card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; padding-top: 3rem; background: var(--line); }
.tool-card-grid article { padding: 1.5rem; background: var(--paper); }
.tool-card-grid h2 { font-size: 1.6rem; }
.tool-card-grid h3 { margin-top: 1rem; font-family: var(--font-body); font-size: .9rem; line-height: 1.35; letter-spacing: 0; }
.tool-card-grid h2 a { text-decoration: none; }
.tool-card-grid h2 a:hover { text-decoration: underline; }
.tool-card-grid p { margin: .8rem 0; color: var(--muted); font-size: .88rem; }
.tool-card-grid ul { margin: 0 0 1rem; padding-left: 1.15rem; color: var(--muted); font-size: .8rem; }
.tool-card-grid li + li { margin-top: .25rem; }
.tool-card-grid article > a { color: var(--forest); font-size: .8rem; font-weight: 850; }
.tool-explainer, .journal-guide { padding-top: 3rem; padding-bottom: 3rem; }
.calculator-shell, .planner-shell { display: grid; grid-template-columns: .85fr 1.15fr; gap: 2rem; }
.calculator-form, .planner-form { display: grid; gap: 1rem; }
.calculator-form label, .planner-form label { color: var(--evergreen-2); font-size: .8rem; font-weight: 800; }
.calculator-form label > span, .planner-form label > span { display: flex; align-items: center; margin-top: .3rem; border: 1px solid #aebbb5; border-radius: 0; overflow: hidden; background: white; }
.calculator-form input, .planner-form input, .planner-form select { width: 100%; min-height: 46px; padding: .65rem; border: 1px solid #aebbb5; background: white; }
.calculator-form label > span input, .planner-form label > span input { border: 0; }
.calculator-form label > span b, .planner-form label > span b { padding: .65rem; color: var(--muted); background: #f1f3f1; }
.planner-form select { display: block; margin-top: .3rem; border-radius: 0; }
.calculator-result, .call-sheet { padding: 1.5rem; background: var(--cream); border: 1px solid #dfd7c5; }
.calculator-result h2, .call-sheet h2 { font-size: 1.8rem; }

/* The tool directory and each application use a different task-specific workspace. */
.tool-directory-hero { color: white; background: var(--evergreen-2); border-color: var(--evergreen-2); }
.tool-directory-hero h1 { color: white; }
.tool-directory-hero p { color: #c7d8d1; }
.tool-workshop { padding-top: 3.5rem; }
.tool-workshop-heading { display: grid; grid-template-columns: 1fr .7fr; gap: 3rem; align-items: end; margin-bottom: 1.5rem; }
.tool-workshop-heading p { color: var(--muted); }
.tool-entry { display: grid; grid-template-columns: 110px minmax(0, 1fr) 220px; gap: 1.5rem; align-items: center; padding: 1.5rem 0; border-top: 1px solid var(--line); }
.tool-entry:last-child { border-bottom: 1px solid var(--line); }
.tool-entry-mark { display: grid; place-items: center; min-height: 92px; background: var(--cream); }
.tool-entry-mark svg { width: 62px; height: 62px; fill: none; stroke: var(--evergreen); stroke-width: 2; stroke-linecap: square; stroke-linejoin: miter; }
.tool-entry-finder .tool-entry-mark { background: var(--mint-pale); }
.tool-entry-payoff .tool-entry-mark { color: white; background: var(--evergreen); }
.tool-entry-payoff .tool-entry-mark svg { stroke: white; }
.tool-entry-call .tool-entry-mark { background: #fff1ea; }
.tool-entry-call .tool-entry-mark svg { stroke: #9e4936; }
.tool-entry-calendar .tool-entry-mark { background: #edf3f6; }
.tool-entry-calendar .tool-entry-mark svg { stroke: #294e63; }
.tool-entry-copy h2 { font-size: 1.75rem; }
.tool-entry-copy h2 a { text-decoration: none; }
.tool-entry-copy h2 a:hover { text-decoration: underline; }
.tool-entry-copy > p { margin-top: .45rem; color: var(--muted); }
.tool-output-sample { display: grid; grid-template-columns: 100px 1fr; gap: 1rem; margin-top: .85rem; padding-top: .75rem; border-top: 1px solid var(--line); font-size: .78rem; }
.tool-output-sample h3 { color: var(--forest); font-family: var(--font-body); font-size: .78rem; letter-spacing: 0; }
.tool-output-sample span { color: var(--muted); }
.tool-entry > a:last-child { justify-self: stretch; padding: .85rem 1rem; color: white; background: var(--evergreen); border-left: 5px solid var(--mint); font-size: .8rem; font-weight: 850; text-decoration: none; }
.tool-entry > a:last-child:hover { background: var(--forest); text-decoration: underline; }
.tool-choice-guide { display: grid; grid-template-columns: 1fr auto; gap: 3rem; align-items: center; padding-top: 1rem; padding-bottom: 4rem; }
.tool-choice-guide p { width: 100%; margin-top: .7rem; color: var(--muted); }
.tool-choice-guide > a { padding: .8rem 1rem; color: var(--evergreen); border: 1px solid var(--evergreen); font-weight: 800; }
.tool-boundary-table { padding-top: 1rem; }

.finder-hero { background: linear-gradient(115deg, #eef7f2 0 68%, #dff3e7 68%); }
.finder-desk { width: min(var(--max), calc(100% - 2rem)); margin: 3rem auto 5rem; padding: 0 2rem 2rem; background: white; border: 1px solid #b9c8c1; border-top: 7px solid var(--evergreen); }
.finder-path { display: grid; grid-template-columns: repeat(3, 1fr); margin: 0 -2rem 2rem; background: #e2e9e5; }
.finder-path span { padding: .8rem 1rem; color: #6c7b75; border-top: 4px solid transparent; font-size: .76rem; font-weight: 800; text-align: center; }
.finder-path span.active { color: var(--evergreen-2); background: white; border-top-color: var(--coral); }
.finder-desk .finder-progress { margin-bottom: 1.5rem; }
.finder-desk .finder-progress strong { min-width: 190px; color: var(--evergreen-2); }
.finder-desk .option-grid { gap: 1px; padding: 1px; background: var(--line); }
.finder-desk .option-card span { display: grid; grid-template-columns: 44px minmax(0, 1fr); grid-template-rows: auto auto; gap: .2rem .8rem; padding: 1.1rem 3rem 1.1rem 1rem; background: white; border: 0; }
.finder-desk .option-card span::before { left: auto; right: 1rem; top: 1.15rem; }
.finder-desk .option-card svg { grid-row: 1 / 3; width: 42px; height: 42px; fill: none; stroke: var(--forest); stroke-width: 2; stroke-linecap: square; stroke-linejoin: miter; }
.finder-desk .option-card input:checked + span { background: #edf7f1; box-shadow: inset 5px 0 var(--forest); }
.finder-desk .option-card b, .finder-desk .option-card small { grid-column: 2; }
.finder-desk .option-card small { margin: 0; }
.route-head { display: flex; justify-content: space-between; align-items: start; gap: 2rem; padding: 1.5rem 0; border-bottom: 1px solid var(--line); }
.route-head h2 { font-size: 2.3rem; }
.route-head p { margin-top: .45rem; color: var(--muted); }
.route-head > strong { flex: none; padding: .65rem .8rem; color: var(--evergreen-2); background: var(--mint-pale); border-left: 4px solid var(--forest); font-size: .75rem; }
.route-deadline { margin: 1.5rem 0; padding: 1.2rem; background: #fff1ea; border-left: 6px solid var(--coral); }
.route-deadline h3 { font-size: 1.2rem; }
.route-deadline p { margin-top: .4rem; color: #533d36; }
.route-lanes { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1px; background: var(--line); border: 1px solid var(--line); }
.route-lanes section { padding: 1.2rem; background: var(--paper); }
.route-lanes section:last-child { background: var(--cream); }
.route-lanes h3 { font-size: 1.2rem; }
.route-lanes ul { margin: .8rem 0 0; padding-left: 1.1rem; }
.route-lanes li, .route-lanes p { color: var(--muted); font-size: .84rem; }
.route-lanes li + li { margin-top: .55rem; }
.route-lanes p { margin-top: .8rem; }
.route-verification { margin-top: 1.5rem; }
.route-verification h3 { margin-bottom: .8rem; font-size: 1.25rem; }
.finder-restart { margin-top: 1.5rem; padding: .7rem 0; color: var(--forest); background: transparent; border: 0; cursor: pointer; font-weight: 800; text-decoration: underline; text-underline-offset: 3px; }

.payoff-hero { color: white; background: linear-gradient(90deg, var(--evergreen-2) 0 72%, #174b3f 72%); border-color: var(--evergreen-2); }
.payoff-hero h1 { color: white; }
.payoff-hero p { color: #c7d8d1; }
.payoff-hero .privacy-chip { color: var(--evergreen-2); background: var(--mint); border-color: var(--mint); }
.payoff-workbench { width: min(var(--max), calc(100% - 2rem)); margin: 3rem auto 5rem; display: grid; grid-template-columns: 350px minmax(0, 1fr); gap: 1px; padding: 1px; background: #91a69d; }
.payoff-controls { display: grid; align-content: start; gap: 1rem; padding: 1.5rem; background: var(--paper); }
.payoff-form-heading { padding-bottom: 1rem; border-bottom: 3px solid var(--evergreen); }
.payoff-form-heading h2 { font-size: 1.6rem; }
.payoff-form-heading p { margin-top: .45rem; color: var(--muted); font-size: .82rem; }
.payoff-controls label, .call-controls label { color: var(--evergreen-2); font-size: .79rem; font-weight: 800; }
.payoff-controls label > span, .call-controls label > span { display: flex; align-items: center; margin-top: .3rem; overflow: hidden; background: white; border: 1px solid #9caca5; }
.payoff-controls input, .call-controls input, .call-controls select { width: 100%; min-height: 48px; padding: .65rem; color: var(--ink); background: white; border: 1px solid #9caca5; }
.payoff-controls label > span input, .call-controls label > span input { border: 0; }
.payoff-controls label > span b, .call-controls label > span b { padding: .7rem; color: var(--muted); background: #eef1ef; }
.payoff-controls label > small { display: block; margin-top: .3rem; color: var(--muted); font-size: .68rem; font-weight: 500; line-height: 1.4; }
.payoff-form-actions { display: grid; grid-template-columns: 1fr auto; gap: .6rem; margin-top: .5rem; }
.payoff-ledger { min-width: 0; padding: 1.6rem; background: var(--cream); }
.payoff-empty, .call-sheet-empty { min-height: 420px; display: grid; place-content: center; justify-items: center; text-align: center; }
.payoff-empty svg, .call-sheet-empty svg { width: 150px; fill: none; stroke: #7f978d; stroke-width: 2; }
.payoff-empty h2, .call-sheet-empty h2 { width: 100%; margin-top: 1.2rem; font-size: 2rem; }
.payoff-empty p, .call-sheet-empty p { width: 100%; margin-top: .6rem; color: var(--muted); }
.payoff-error { padding: 1.2rem; background: #fff1ea; border-left: 6px solid var(--coral); }
.payoff-error p { margin-top: .6rem; color: #533d36; }
.ledger-head { display: flex; justify-content: space-between; align-items: start; gap: 1.5rem; padding-bottom: 1.2rem; border-bottom: 1px solid #d8d1c0; }
.ledger-head h2 { font-size: 2rem; }
.ledger-head p { width: 100%; margin-top: .45rem; color: var(--muted); }
.principal-check { display: grid; grid-template-columns: 1fr 180px; gap: 1.5rem; align-items: center; padding: 1.2rem 0; border-bottom: 1px solid #d8d1c0; }
.principal-check h3 { font-size: 1.2rem; }
.principal-check p { margin-top: .35rem; color: var(--muted); font-size: .86rem; }
.principal-meter, .cost-bar { height: 12px; background: #d4ddd8; }
.principal-meter i, .cost-bar i { display: block; height: 100%; background: var(--forest); }
.ledger-comparison { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; margin-top: 1.2rem; background: #bdc9c3; border: 1px solid #bdc9c3; }
.ledger-comparison > section { padding: 1.2rem; background: white; }
.ledger-comparison > section:last-child { background: #eef7f2; }
.ledger-comparison h3 { font-size: 1.25rem; }
.ledger-comparison > section > strong { display: block; margin-top: .35rem; color: var(--forest); }
.ledger-comparison dl { margin: 1rem 0; }
.ledger-comparison dl div { display: flex; justify-content: space-between; gap: 1rem; padding: .48rem 0; border-bottom: 1px solid var(--line); font-size: .78rem; }
.ledger-comparison dt { color: var(--muted); }
.ledger-comparison dd { margin: 0; font-weight: 800; text-align: right; }
.ledger-comparison small { display: block; margin-top: .4rem; color: var(--muted); }
.ledger-comparison section:last-child .cost-bar i { background: var(--coral); }
.ledger-comparison .extra-scenario-prompt { display: grid; align-content: center; background: #eef7f2; border-left: 5px solid var(--mint); }
.ledger-comparison .extra-scenario-prompt p { margin-top: .6rem; color: var(--muted); font-size: .84rem; }
.balance-checkpoints { margin-top: 1.2rem; }
.balance-checkpoints h3 { margin-bottom: .7rem; font-size: 1.25rem; }
.balance-checkpoints table { min-width: 0; }
.balance-checkpoints th { color: var(--ink); background: white; }
.balance-checkpoints td { text-align: right; }
.ledger-caution { margin-top: 1.2rem; padding: 1rem; background: #fff1ea; border-left: 5px solid var(--coral); }
.ledger-caution h3 { font-size: 1.05rem; }
.ledger-caution p { margin-top: .3rem; color: #533d36; font-size: .82rem; }
.payoff-reading-guide { padding-top: 1rem; }
.payoff-reading-path { display: grid; grid-template-columns: repeat(3, 1fr); border-block: 1px solid var(--line); }
.payoff-reading-path article { padding: 1.5rem; }
.payoff-reading-path article + article { border-left: 1px solid var(--line); }
.payoff-reading-path p { margin-top: .55rem; color: var(--muted); font-size: .86rem; }

.call-planner-hero { background: #fff1ea; border-bottom: 5px solid var(--coral); }
.call-workbench { width: min(var(--max), calc(100% - 2rem)); margin: 3rem auto 5rem; display: grid; grid-template-columns: 370px minmax(0, 1fr); grid-template-rows: auto 1fr; gap: 1px; background: #aebbb5; border: 1px solid #aebbb5; }
.call-controls { grid-column: 1; grid-row: 1; display: grid; gap: 1rem; padding: 1.5rem; background: white; }
.call-form-heading { padding-bottom: 1rem; border-bottom: 3px solid var(--coral); }
.call-form-heading h2 { font-size: 1.65rem; }
.call-form-heading p { margin-top: .45rem; color: var(--muted); font-size: .82rem; }
.call-controls label > select { display: block; margin-top: .3rem; }
.call-field-pair { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; }
.call-prep-rail { grid-column: 1; grid-row: 2; padding: 1.5rem; color: #d8e5df; background: var(--evergreen-2); }
.call-prep-rail h2 { color: white; font-size: 1.4rem; }
.call-prep-rail ul { margin: 1rem 0; padding-left: 1.1rem; font-size: .82rem; }
.call-prep-rail li + li { margin-top: .45rem; }
.call-prep-rail p { padding-top: 1rem; color: #bed0c9; border-top: 1px solid #416158; font-size: .75rem; }
.call-sheet { grid-column: 2; grid-row: 1 / 3; min-width: 0; padding: 1.6rem; background: var(--paper); border: 0; }
.call-sheet-head { display: flex; justify-content: space-between; align-items: start; gap: 1.5rem; padding-bottom: 1rem; border-bottom: 3px solid var(--evergreen); }
.call-sheet-head h2 { font-size: 2rem; }
.call-sheet-head p { margin-top: .45rem; color: var(--muted); }
.call-stage-note { margin: 1.2rem 0; padding: 1rem; background: var(--mint-pale); border-left: 5px solid var(--forest); }
.call-stage-note h3, .call-opening h3, .call-questions h3, .terms-workpad h3, .call-record h3 { font-size: 1.2rem; }
.call-stage-note p, .call-opening p { margin-top: .4rem; color: #35483f; font-size: .86rem; }
.call-opening { padding: 1.2rem; background: var(--cream); border: 1px solid #ddd4bf; }
.call-opening > p:first-of-type { color: var(--ink); font-family: var(--font-display); font-size: 1.12rem; line-height: 1.6; }
.call-follow-line { padding-top: .8rem; border-top: 1px solid #ddd4bf; }
.call-questions { margin-top: 1.2rem; }
.call-questions ul { margin: .8rem 0 0; padding-left: 1.2rem; }
.call-questions li { color: #33413c; font-size: .86rem; }
.call-questions li + li { margin-top: .55rem; }
.terms-workpad { margin-top: 1.3rem; }
.terms-workpad h3 { margin-bottom: .7rem; }
.terms-workpad table { min-width: 0; }
.terms-workpad th { width: 45%; color: var(--ink); background: #eef3f0; }
.call-record { margin-top: 1.3rem; padding: 1.2rem; border: 1px solid var(--line); }
.call-record > div { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: .8rem 0; }
.call-record p { color: var(--muted); font-size: .78rem; }
.call-record strong { color: var(--ink); letter-spacing: .03em; }
.call-sheet-error { padding: 1.2rem; background: #fff1ea; border-left: 5px solid var(--coral); }
.call-sheet-error p { margin-top: .5rem; }
.call-usage { padding-top: 1rem; }
.call-usage-grid { display: grid; grid-template-columns: .85fr 1.15fr .85fr; gap: 1px; background: var(--line); }
.call-usage-grid article { padding: 1.4rem; background: var(--paper); }
.call-usage-grid article:nth-child(2) { background: var(--cream); }
.call-usage-grid h3 { font-size: 1.25rem; }
.call-usage-grid p { margin-top: .55rem; color: var(--muted); font-size: .85rem; }
.result-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; margin: 1rem 0; background: #d5d8d4; border: 1px solid #d5d8d4; }
.result-stats div { padding: 1rem; background: white; }
.result-stats b, .result-stats span { display: block; }
.result-stats b { color: var(--evergreen); font-family: var(--font-display); font-size: 1.6rem; }
.result-stats span { color: var(--muted); font-size: .7rem; }
.call-sheet .script { margin: 1rem 0; padding: 1rem; background: white; border-left: 4px solid var(--coral); }
.call-sheet ol { padding-left: 1.2rem; }
.call-sheet button { margin-top: 1rem; }
.calendar-hero { width: min(var(--hero-max), calc(100% - 2rem)); margin: auto; display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(420px, .88fr); background: var(--cream); border-bottom: 5px solid #517188; }
.calendar-hero-copy { align-self: center; min-width: 0; padding: 4rem clamp(2rem, 5vw, 5rem); }
.calendar-hero h1 { width: 100%; margin-bottom: 1rem; font-size: clamp(2.8rem, 4.6vw, 4.7rem); text-wrap: balance; }
.calendar-hero-copy > p { color: var(--muted); font-size: 1.05rem; }
.calendar-hero .privacy-chip { display: inline-block; margin-top: 1.2rem; }
.calendar-hero > img { width: 100%; height: 100%; min-height: 440px; object-fit: cover; }
.calendar-workbench { width: min(var(--max), calc(100% - 2rem)); margin: 3rem auto 5rem; display: grid; grid-template-columns: 410px minmax(0, 1fr); gap: 1px; padding: 1px; background: #aebbb5; }
.calendar-controls { padding: 1.5rem; background: #f7f4ea; }
.calendar-controls > header { padding-bottom: 1.2rem; border-bottom: 1px solid #d6d0c2; }
.calendar-controls > header h2 { font-size: 1.9rem; }
.calendar-controls > header p, .calendar-entry-heading p { margin-top: .35rem; color: var(--muted); font-size: .78rem; }
.calendar-baseline { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; padding: 1.2rem 0; }
.calendar-controls label { display: block; color: var(--evergreen-2); font-size: .72rem; font-weight: 800; }
.calendar-controls input, .calendar-controls select { width: 100%; min-height: 42px; margin-top: .3rem; padding: .55rem; color: var(--ink); background: white; border: 1px solid #aebbb5; border-radius: 0; font: inherit; font-size: .78rem; }
.calendar-baseline label > span { display: flex; align-items: stretch; margin-top: .3rem; }
.calendar-baseline label > span b { display: grid; place-items: center; padding: 0 .65rem; color: var(--muted); background: #eef1ee; border: 1px solid #aebbb5; border-right: 0; }
.calendar-baseline label > span input { margin-top: 0; }
.calendar-entry-group { padding: 1.15rem 0; border-top: 1px solid #d6d0c2; }
.calendar-entry-heading { display: flex; justify-content: space-between; gap: 1rem; align-items: start; }
.calendar-entry-heading h3 { font-size: 1.1rem; }
.calendar-entry-heading button, .calendar-entry-row button { padding: .5rem .6rem; color: var(--forest); background: white; border: 1px solid #7c988d; border-radius: 0; cursor: pointer; font-size: .68rem; font-weight: 850; }
.calendar-entry-row { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(112px, .8fr) minmax(85px, .65fr); gap: .55rem; margin-top: .8rem; padding-top: .8rem; border-top: 1px dotted #b7b1a5; }
.calendar-entry-row.bill-row { grid-template-columns: minmax(0, 1.15fr) minmax(112px, .75fr) minmax(85px, .6fr) minmax(0, 1fr); }
.calendar-entry-row button { grid-column: 1 / -1; justify-self: end; padding: .2rem 0; color: #8f432f; background: transparent; border: 0; text-decoration: underline; }
.calendar-controls > .button { width: 100%; margin-top: .5rem; }
.calendar-output { min-width: 0; padding: 1.5rem; background: white; }
.calendar-empty { display: grid; place-items: center; min-height: 540px; padding: 3rem; text-align: center; border: 1px dashed #aebbb5; }
.calendar-empty svg { width: 160px; fill: none; stroke: #517188; stroke-width: 3; stroke-linecap: square; }
.calendar-empty h2 { margin-top: 1rem; font-size: 1.9rem; }
.calendar-empty p { max-width: 520px; color: var(--muted); }
.calendar-result-head { display: flex; justify-content: space-between; align-items: start; gap: 1rem; margin-bottom: 1.2rem; }
.calendar-result-head h2 { font-size: 1.9rem; }
.calendar-result-head p, .calendar-result-section > p { margin-top: .35rem; color: var(--muted); font-size: .78rem; }
.calendar-summary { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-bottom: 1.2rem; background: var(--line); border: 1px solid var(--line); }
.calendar-summary div { padding: 1rem; background: var(--cream); }
.calendar-summary b, .calendar-summary span { display: block; }
.calendar-summary strong { display: block; color: var(--evergreen); font-family: var(--font-display); font-size: 1.32rem; line-height: 1.1; }
.calendar-summary .warning { background: #fff1ea; }
.calendar-summary .warning strong { color: #8f432f; }
.calendar-summary span { margin-top: .2rem; color: var(--muted); font-size: .68rem; }
.calendar-alert { margin-bottom: 1.2rem; padding: 1rem; background: #fff1ea; border-left: 5px solid var(--coral); }
.calendar-alert.is-clear { background: var(--mint-pale); border-left-color: var(--forest); }
.calendar-alert p { margin-top: .3rem; color: var(--muted); font-size: .8rem; }
.calendar-grid { display: grid; grid-template-columns: repeat(7, minmax(72px, 1fr)); gap: 1px; background: #c8d1cd; border: 1px solid #c8d1cd; }
.calendar-day { min-height: 116px; padding: .55rem; background: white; }
.calendar-day.shortfall { background: #fff1ea; box-shadow: inset 0 4px var(--coral); }
.calendar-day header { display: flex; justify-content: space-between; gap: .4rem; padding-bottom: .35rem; border-bottom: 1px solid #e2e7e4; }
.calendar-day time { color: var(--evergreen-2); font-weight: 850; font-size: .72rem; }
.calendar-day header span { color: var(--forest); font-size: .68rem; font-weight: 850; }
.calendar-day.shortfall header span { color: #8f432f; }
.calendar-day ul { margin: .4rem 0; padding: 0; list-style: none; }
.calendar-day li { display: flex; justify-content: space-between; gap: .25rem; margin-top: .28rem; color: var(--muted); font-size: .63rem; line-height: 1.35; }
.calendar-day li strong { flex: none; color: var(--ink); }
.calendar-day li.income strong { color: var(--forest); }
.calendar-day > p { margin-top: .5rem; color: #8a9691; font-size: .6rem; }
.calendar-result-section + .calendar-result-section { margin-top: 1.5rem; }
.calendar-result-section h3 { font-size: 1.25rem; }
.calendar-result-section .calendar-grid, .calendar-result-section .table-scroll { margin-top: .8rem; }
.calendar-result-section table { min-width: 640px; }
.calendar-next-step { margin-top: 1.4rem; padding: 1rem; background: var(--mint-pale); border-left: 5px solid var(--forest); }
.calendar-next-step h3 { font-size: 1.15rem; }
.calendar-next-step p { margin-top: .35rem; color: var(--muted); font-size: .78rem; }
.calendar-error { padding: 1.2rem; background: #fff1ea; border-left: 5px solid var(--coral); }
.calendar-error h2 { font-size: 1.5rem; }
.calendar-error p { margin-top: .4rem; }
.calendar-consequence-table { margin-top: 1.4rem; }
.calendar-consequence-table h3 { margin-bottom: .6rem; font-size: 1.25rem; }
.calendar-consequence-table table { min-width: 640px; }
.calendar-reading-guide { padding-top: 1rem; }
.calendar-decision-table { width: min(var(--max), calc(100% - 2rem)); margin: 0 auto 4rem; }
.calendar-limits { margin-top: 0; }
.hub-hero { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(420px, .65fr); min-height: 500px; background: var(--cream); border-bottom: 1px solid #e1d9c7; }
.hub-hero-copy { align-self: center; min-width: 0; padding: 4rem max(2rem, calc((100vw - var(--hero-max))/2)); padding-right: clamp(2rem, 4vw, 4rem); }
.hub-hero-copy h1 { width: 100%; margin: 1.2rem 0; font-size: clamp(2.8rem, 4.6vw, 4.7rem); text-wrap: balance; }
.hub-hero-copy > p { margin-bottom: 1.4rem; color: var(--muted); }
.hub-hero > img { width: 100%; height: 100%; object-fit: cover; }
.breadcrumb { display: flex; align-items: center; flex-wrap: wrap; gap: .4rem; color: var(--muted); font-size: .85rem; }
.breadcrumb a { color: var(--forest); }
.breadcrumb .sep { color: #87958f; }
.direct-answer { width: min(var(--max), calc(100% - 2rem)); margin: 3rem auto; padding: 1.5rem 2rem; border-left: 5px solid var(--coral); background: #fff1ea; }
.direct-answer h2 { font-size: 1.4rem; }
.direct-answer p { margin-top: .5rem; }
.article-list-section { padding-top: 2rem; }
.article-list { border-top: 1px solid var(--line); }
.article-list article { display: grid; grid-template-columns: 1fr auto; gap: 2rem; padding: 1.5rem 0; border-bottom: 1px solid var(--line); }
.article-list article > div > span { color: var(--muted); font-size: .68rem; }
.article-list h2, .article-list h3 { margin: .25rem 0; font-size: 1.55rem; }
.article-list h2 a, .article-list h3 a { text-decoration: none; }
.article-list h2 a:hover, .article-list h3 a:hover { text-decoration: underline; }
.article-list p { color: var(--muted); font-size: .88rem; }
.article-list article > a { align-self: center; color: var(--forest); font-size: .78rem; font-weight: 850; }
.hub-referral { display: flex; justify-content: space-between; align-items: center; gap: 2rem; padding: 3rem max(1rem, calc((100vw - 900px))/2); color: white; background: var(--evergreen); }
.hub-referral > div { flex: 1; min-width: 0; }
.hub-referral h2 { color: white; font-size: 2rem; }
.hub-referral p { width: 100%; margin-top: .5rem; color: #c9dad3; }
.article-page { padding-bottom: 5rem; }
.article-header { width: min(var(--hero-max), calc(100% - 2rem)); margin: auto; padding: 4.5rem 0 2.5rem; }
.article-header-copy { min-width: 0; }
.article-header h1 { width: 100%; margin: 1.4rem 0 1rem; font-size: clamp(2.5rem, 4.45vw, 4.55rem); text-wrap: balance; }
.article-cover { display: block; width: 100%; height: auto; margin-top: 2rem; }
.article-deck { width: 100%; color: var(--muted); font-size: 1.13rem; }
.article-meta { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; margin-top: 1.2rem; color: var(--muted); font-size: .72rem; }
.article-layout { width: min(var(--max), calc(100% - 2rem)); margin: auto; display: grid; grid-template-columns: 230px minmax(0, 1fr); gap: 4rem; border-top: 1px solid var(--line); padding-top: 2rem; }
.article-layout.single { grid-template-columns: minmax(0, 1fr); }
.article-aside { position: sticky; top: 100px; align-self: start; display: grid; gap: .6rem; padding: 1rem; border: 1px solid var(--line); }
.article-aside strong { font-family: var(--font-display); }
.article-aside a { color: var(--muted); font-size: .72rem; text-decoration: none; }
.article-aside a:hover { color: var(--forest); text-decoration: underline; }
.article-map { display: grid; gap: .55rem; }
.article-map strong { color: var(--evergreen-2); font-family: var(--font-display); font-size: 1.05rem; }
.article-map a { color: var(--muted); font-size: .72rem; line-height: 1.4; text-decoration: none; }
.article-map a:hover { color: var(--forest); text-decoration: underline; }
.article-body > section, .imported-body > section { margin-bottom: 2.3rem; }
.article-body h2, .imported-body h2 { width: 100%; margin-bottom: .75rem; font-size: 2rem; }
.article-body h3, .imported-body h3 { width: 100%; margin: 1.5rem 0 .6rem; }
.article-body p, .article-body li, .imported-body p, .imported-body li { width: 100%; color: #33413c; font-size: 1rem; line-height: 1.8; }
.article-core-sections .section-depth { margin-top: .9rem; }
.article-body p a, .imported-body p a, .direct-answer p a, .tool-notes p a, .page-hero p a, .tool-hero p a, .section-heading p a, .static-page section p a, .path-grid p a, .hub-card p a { color: var(--forest); font-weight: 700; text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.answer-box { padding: 1.3rem; background: var(--mint-pale); border-left: 5px solid var(--forest); }
.answer-box h2 { font-size: 1.4rem; }
.quick-summary { padding: 1.4rem; border: 1px solid #bfd8c8; background: #f4faf6; }
.quick-summary h2 { font-size: 1.45rem; }
.quick-summary ul { margin: .8rem 0 0; padding-left: 1.2rem; }
.quick-summary li + li { margin-top: .45rem; }
.detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; padding: 1px; background: var(--line); }
.detail-grid article { padding: 1.25rem; background: var(--paper); }
.detail-grid h3 { margin: 0 0 .55rem; font-size: 1.22rem; }
.detail-grid p { color: #33413c; font-size: .9rem; line-height: 1.65; }
.article-body .detail-grid { grid-template-columns: 1fr 1fr; }
.article-body .detail-grid article:last-child:nth-child(odd) { grid-column: 1 / -1; }
.comparison-section h2 { margin-bottom: 1rem; }
.table-scroll { max-width: 100%; overflow-x: auto; border: 1px solid var(--line); }
.table-scroll table { width: 100%; min-width: 620px; border-collapse: collapse; background: white; font-size: .84rem; }
.table-scroll caption { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.table-scroll th, .table-scroll td { padding: .8rem; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.table-scroll th { color: white; background: var(--evergreen); font-size: .76rem; }
.table-scroll tr:last-child td { border-bottom: 0; }
.editor-tip { margin: 0 0 2.3rem; padding: 1.2rem 1.3rem; border-left: 5px solid var(--coral); background: #fff1ea; }
.editor-tip h3 { margin: 0 0 .35rem; font-family: var(--font-body); font-size: .85rem; letter-spacing: .02em; }
.editor-tip p { color: #4f3a33; }
.common-questions { border-top: 1px solid var(--line); padding-top: 1.5rem; }
.common-questions article + article { border-top: 1px solid var(--line); margin-top: 1rem; padding-top: 1rem; }
.common-questions h3 { margin-bottom: .35rem; }
.common-questions p { margin-top: 0; }
.hub-decision-flow { padding-top: 2rem; }
.hub-decision-flow .path-arrow { margin-bottom: 1rem; }
.static-page .static-detail { width: 100%; margin-left: 0; transform: none; }
.static-page .static-detail > h2 { margin-bottom: 1.2rem; }
.static-page .static-detail .detail-grid { grid-template-columns: repeat(3, 1fr); }
.static-page .static-detail .detail-grid article:last-child:nth-child(odd) { grid-column: 1 / -1; }
.action-box { padding: 1.3rem; background: var(--cream); border: 1px solid #e2dbc9; }
.action-box a, .sources a { color: var(--forest); font-weight: 750; }
.sources { padding-top: 1.5rem; border-top: 1px solid var(--line); }
.sources p { margin-top: .8rem; color: var(--muted); font-size: .75rem; }
.review-note { padding: 1rem; border: 1px solid var(--line); }
.review-note h2 { font-family: var(--font-body); font-size: 1rem; }
.review-note p { font-size: .8rem; }
.related-guides { padding: 1.3rem; border: 1px solid var(--line); }
.related-guides ul { margin: .8rem 0 0; padding-left: 1.2rem; }
.related-guides a { color: var(--forest); font-weight: 750; }

/* Article formats follow the reader's task instead of one repeated shell. */
.article-header-conversation, .article-header-comparison, .article-header-screening, .article-header-priority { width: min(var(--hero-max), calc(100% - 2rem)); display: grid; grid-template-columns: minmax(0, 1.18fr) minmax(380px, .82fr); padding: 3rem 0; align-items: stretch; }
.article-header-conversation .article-header-copy, .article-header-comparison .article-header-copy, .article-header-screening .article-header-copy, .article-header-priority .article-header-copy { align-self: center; padding: 1.5rem 3rem 1.5rem 0; }
.article-header-conversation .article-cover, .article-header-comparison .article-cover, .article-header-screening .article-cover, .article-header-priority .article-cover { height: 100%; min-height: 340px; margin: 0; object-fit: cover; }
.article-header-conversation { border-bottom: 5px solid var(--mint); }
.article-header-checklist { width: min(var(--hero-max), calc(100% - 2rem)); display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(420px, .95fr); padding: 3rem 0; background: var(--cream); }
.article-header-checklist .article-header-copy { align-self: center; padding: 2rem; }
.article-header-checklist .article-cover { height: 100%; min-height: 360px; margin: 0; object-fit: cover; }
.article-header-comparison { grid-template-columns: minmax(0, 1.3fr) minmax(360px, .7fr); border-block: 1px solid var(--line); }
.article-header-comparison h1 { font-size: clamp(2.45rem, 4.3vw, 4.2rem); }
.article-header-deadline { width: 100%; display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(420px, .65fr); padding: 0; color: white; background: var(--evergreen-2); }
.article-header-deadline .article-header-copy { align-self: center; padding: 4rem max(2rem, calc((100vw - var(--hero-max)) / 2)); padding-right: clamp(2rem, 4vw, 4rem); }
.article-header-deadline h1 { color: white; font-size: clamp(2.5rem, 4.25vw, 4.4rem); }
.article-header-deadline .article-deck, .article-header-deadline .article-meta { color: #c9dad3; }
.article-header-deadline .article-meta a { color: var(--mint); }
.article-header-deadline .article-cover { height: 100%; min-height: 430px; margin: 0; object-fit: cover; }
.article-header-audit { width: min(var(--hero-max), calc(100% - 2rem)); display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(380px, .8fr); gap: 2rem; padding: 3rem 0; border-left: 6px solid var(--coral); }
.article-header-audit .article-header-copy { align-self: center; padding-left: 2rem; }
.article-header-audit .article-cover { height: 300px; margin: 0; object-fit: cover; }
.article-header-legal { width: min(var(--hero-max), calc(100% - 2rem)); padding: 3rem 0 0; border-bottom: 5px solid var(--coral); }
.article-header-legal .article-header-copy { padding: 0 1.5rem 2rem; border-left: 4px solid var(--evergreen); }
.article-header-legal .article-cover { height: 260px; margin: 0; object-fit: cover; object-position: center 42%; }
.article-header-screening { grid-template-columns: minmax(0, 1.05fr) minmax(420px, .95fr); background: #eef5f1; }
.article-header-screening .article-header-copy { padding-left: 2rem; }
.article-header-priority { color: white; background: var(--evergreen-2); }
.article-header-priority h1 { color: white; }
.article-header-priority .article-deck, .article-header-priority .article-meta { color: #c9dad3; }
.article-header-priority .article-meta a { color: var(--mint); }

.article-layout-conversation { grid-template-columns: minmax(0, 1fr) 230px; }
.article-aside-right { order: 2; }
.conversation-opening { display: grid; grid-template-columns: 1.3fr .7fr; gap: 1px; margin-bottom: 2.3rem; background: var(--line); }
.conversation-opening .answer-box, .conversation-opening .editor-tip { margin: 0; border: 0; border-top: 5px solid var(--forest); }
.conversation-opening .editor-tip { border-top-color: var(--coral); }
.conversation-modules.article-core-sections > section { padding: 1.3rem 0; border-bottom: 1px solid var(--line); }

.article-layout-checklist { grid-template-columns: 250px minmax(0, 1fr); align-items: start; }
.article-layout-checklist > .article-body { grid-column: 2; }
.checklist-aside { display: grid; gap: 1rem; }
.article-layout-checklist > .checklist-aside { grid-column: 1; grid-row: 1; }
.checklist-aside .editor-tip { margin: 0; border-left: 0; border-top: 5px solid var(--coral); }
.checklist-workspace .quick-summary li { position: relative; list-style: none; padding-left: 1.7rem; }
.checklist-workspace .quick-summary li::before { content: ""; position: absolute; left: 0; top: .42rem; width: 12px; height: 12px; border: 2px solid var(--forest); background: white; }
.checklist-modules.article-core-sections > section { padding: 1.2rem; border: 1px solid var(--line); border-left: 5px solid var(--forest); }
.checklist-modules.article-core-sections > section + section { margin-top: .7rem; }

.article-layout-comparison { display: block; width: min(var(--max), calc(100% - 2rem)); }
.comparison-map { margin-bottom: 1.4rem; padding: 1rem; background: var(--cream); border: 1px solid #e2dbc9; }
.comparison-map .article-map { grid-template-columns: repeat(3, 1fr); gap: .5rem 1.3rem; }
.comparison-map .article-map strong { grid-column: 1 / -1; }
.comparison-opening { display: grid; grid-template-columns: 1.35fr .65fr; gap: 1px; margin-bottom: 2.3rem; background: var(--line); }
.comparison-opening .answer-box, .comparison-opening .action-box { margin: 0; border: 0; }
.comparison-modules.comparison-section { width: 100%; margin-left: 0; padding: 1.5rem; background: #eef5f1; }
.comparison-questions { display: grid; grid-template-columns: 1fr .45fr; gap: 1.5rem; align-items: start; }
.comparison-questions .editor-tip { margin: 0; }

.article-layout-deadline { grid-template-columns: 220px minmax(0, 1fr); }
.deadline-aside { border-top: 5px solid var(--coral); }
.deadline-opening { margin-bottom: 2.3rem; border: 1px solid #efb9a9; }
.deadline-opening .answer-box, .deadline-opening .editor-tip { margin: 0; border: 0; }
.deadline-opening .editor-tip { border-top: 1px solid #efb9a9; }
.deadline-modules.article-core-sections { position: relative; padding-left: 1.5rem; border-left: 3px solid var(--coral); }
.deadline-modules.article-core-sections > section { position: relative; padding: 0 0 2rem .8rem; }
.deadline-modules.article-core-sections > section::before { content: ""; position: absolute; left: -1.98rem; top: .25rem; width: 12px; height: 12px; background: var(--paper); border: 3px solid var(--coral); }

.article-layout-audit { display: block; width: min(var(--max), calc(100% - 2rem)); }
.audit-map { margin-bottom: 1.5rem; padding: 1rem 1.2rem; border: 1px solid var(--line); border-left: 6px solid var(--forest); }
.audit-map .article-map { grid-template-columns: repeat(3, 1fr); gap: .5rem 1.2rem; }
.audit-map .article-map strong { grid-column: 1 / -1; }
.audit-workbench { padding: 1.5rem; background: #f3f5f3; border: 1px solid var(--line); }
.audit-modules.article-core-sections > section { padding: 1.2rem; background: white; border-left: 4px solid #9aaba3; }
.audit-modules.article-core-sections > section + section { margin-top: .7rem; }
.audit-followup { display: grid; grid-template-columns: .42fr 1fr; gap: 1.5rem; align-items: start; margin: 2.3rem 0; }
.audit-followup .editor-tip { margin: 0; }

.article-layout-legal { display: block; width: min(var(--max), calc(100% - 2rem)); }
.legal-brief-head { display: grid; grid-template-columns: 1.25fr .75fr; gap: 1px; margin-bottom: 2rem; background: var(--line); }
.legal-brief-head .answer-box { margin: 0; }
.legal-brief-head .article-map { padding: 1.2rem; background: var(--cream); }
.legal-modules.article-core-sections > section { padding: 1.3rem 0 1.3rem 1.3rem; border-left: 3px solid var(--evergreen); border-bottom: 1px solid var(--line); }
.legal-caution { display: grid; grid-template-columns: .7fr 1.3fr; gap: 1px; margin: 2.3rem 0; background: var(--line); }
.legal-caution .editor-tip, .legal-caution .action-box { margin: 0; border: 0; }

.article-layout-screening { grid-template-columns: 330px minmax(0, 1fr); align-items: start; }
.screening-side { position: sticky; top: 100px; display: grid; gap: 1px; background: var(--line); }
.screening-side .answer-box, .screening-side .action-box, .screening-side .article-map { margin: 0; padding: 1.2rem; border: 0; background: var(--paper); }
.screening-side .answer-box { border-top: 5px solid var(--forest); }
.screening-modules.detail-grid article { border-top: 4px solid var(--mint); }

.article-layout-priority { display: block; width: min(var(--max), calc(100% - 2rem)); }
.priority-intro { display: grid; grid-template-columns: 1.2fr .8fr; gap: 1px; margin-bottom: 2rem; background: var(--line); }
.priority-intro .answer-box { margin: 0; }
.priority-intro .article-map { padding: 1.2rem; background: var(--cream); }
.priority-modules.article-core-sections { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--line); }
.priority-modules.article-core-sections > section { padding: 1.3rem; background: var(--paper); }
.priority-action { display: grid; grid-template-columns: 1.2fr .8fr; gap: 1px; margin: 2.3rem 0; background: var(--line); }
.priority-action .action-box, .priority-action .editor-tip { margin: 0; border: 0; }
.guide-layout-offer-audit .quick-summary { border-left: 5px solid var(--coral); }
.guide-layout-offer-audit .detail-grid { grid-template-columns: repeat(3, 1fr); }
.guide-layout-account-map .answer-box { background: var(--cream); border-color: var(--coral); }
.guide-layout-account-map .quick-summary { border-top: 4px solid var(--forest); }
.guide-layout-exit-plan .comparison-section { padding: 1.35rem; background: var(--cream); }
.guide-layout-exit-plan .detail-grid article { border-top: 3px solid var(--coral); }
.guide-layout-evidence-file .article-core-sections > section { padding-left: 1.2rem; border-left: 3px solid var(--line); }
.guide-layout-evidence-file .article-core-sections > section + section { margin-top: 1.8rem; }
.guide-layout-notice-audit .detail-grid { grid-template-columns: repeat(3, 1fr); }
.guide-layout-notice-audit .detail-grid article:nth-child(1) { border-top: 4px solid #4f8d6c; }
.guide-layout-notice-audit .detail-grid article:nth-child(2) { border-top: 4px solid #d49a35; }
.guide-layout-notice-audit .detail-grid article:nth-child(3) { border-top: 4px solid #bd5a4a; }
.guide-layout-court-response .answer-box { background: #fff1ea; border-color: var(--coral); }
.guide-layout-court-response .article-core-sections > section { padding: 1.1rem 0; border-bottom: 1px solid var(--line); }
.guide-layout-paycheck-defense .detail-grid article { background: var(--cream); }
.guide-layout-paycheck-defense .comparison-section { border-top: 5px solid var(--forest); padding-top: 1.2rem; }
.guide-layout-recovery-sprint .detail-grid { grid-template-columns: repeat(3, 1fr); }
.guide-layout-recovery-sprint .detail-grid article { background: var(--evergreen-2); }
.guide-layout-recovery-sprint .detail-grid h3 { color: white; }
.guide-layout-recovery-sprint .detail-grid p { color: #d5e4de; }
.guide-layout-application-dossier .detail-grid { display: block; padding: 0; background: transparent; }
.guide-layout-application-dossier .detail-grid article { display: grid; grid-template-columns: 150px 1fr; gap: 1rem; padding: 1rem 0; border-bottom: 1px solid var(--line); }
.guide-layout-application-dossier .detail-grid h3 { margin: 0; }
.empty-state { padding: 3rem; background: var(--cream); border: 1px solid #e2dbc9; }
.empty-state p { margin: .5rem 0; color: var(--muted); }
.empty-state a { color: var(--forest); font-weight: 800; }
.empty-state small { display: block; margin-top: 1rem; color: var(--muted); }
.pagination { align-items: center; display: flex; gap: 1rem; justify-content: space-between; margin-top: 1.5rem; }
.pagination a { font-weight: 750; }
.pagination span { color: var(--muted); font-size: .92rem; }
.static-page { width: min(var(--max), calc(100% - 2rem)); margin: auto; padding: 4.5rem 0; }
.static-page header { padding-bottom: 2rem; border-bottom: 1px solid var(--line); }
.static-page header p { width: 100%; margin-top: 1rem; color: var(--muted); font-size: 1.05rem; }
.static-page section { padding: 2rem 0; border-bottom: 1px solid var(--line); }
.static-page section h2 { width: 100%; font-size: 1.8rem; }
.static-page section p { width: 100%; margin-top: .7rem; color: #33413c; }
.standards-links { margin: .8rem 0 0; padding-left: 1.2rem; }
.standards-links li { margin: .45rem 0; }
.standards-links a { color: var(--forest); font-weight: 750; }
.page-updated { margin-top: 2rem; color: var(--muted); font-size: .75rem; }
.error-page { width: min(700px, calc(100% - 2rem)); margin: auto; padding: 8rem 0; text-align: center; }
.error-page p { margin: 1rem 0 1.5rem; color: var(--muted); }
.site-footer { color: #d9e6e1; background: #08241f; }
.footer-shell { width: min(var(--max), calc(100% - 2rem)); margin: auto; display: grid; grid-template-columns: 2fr repeat(3, 1fr); gap: 3rem; padding: 4rem 0; }
.footer-brand img { width: 180px; height: auto; filter: brightness(0) invert(1); }
.footer-brand > p { margin-top: .6rem; color: #b5c8c1; }
.footer-brand .footer-disclaimer { max-width: 440px; margin-top: 1rem; font-size: .7rem; }
.footer-shell h2 { margin-bottom: .8rem; color: white; font-family: var(--font-body); font-size: .75rem; letter-spacing: .06em; text-transform: uppercase; }
.footer-shell > div:not(:first-child) { display: flex; flex-direction: column; }
.footer-shell a { padding: .24rem 0; color: #b5c8c1; font-size: .75rem; text-decoration: none; }
.footer-shell a:hover { color: white; text-decoration: underline; }
.footer-alert-button { padding: .24rem 0; color: #b5c8c1; background: transparent; border: 0; cursor: pointer; font-size: .75rem; text-align: left; text-decoration: none; }
.footer-alert-button:hover { color: white; text-decoration: underline; }
.footer-alert-button:disabled { cursor: default; opacity: .8; }
.footer-bottom { width: min(var(--max), calc(100% - 2rem)); margin: auto; display: flex; justify-content: space-between; padding: 1rem 0; border-top: 1px solid #285047; color: #89a39a; font-size: .68rem; }
@media (max-width: 1100px) {
  .calendar-hero { grid-template-columns: 1fr; }
  .calendar-hero > img { height: 360px; min-height: 0; }
  .calendar-workbench { grid-template-columns: 1fr; }
  .hub-hero { grid-template-columns: 1fr; min-height: 0; }
  .hub-hero-copy { padding: 3.5rem max(1rem, calc((100vw - 900px) / 2)); }
  .hub-hero > img { height: clamp(300px, 42vw, 420px); }
  .article-header-conversation, .article-header-checklist, .article-header-comparison, .article-header-deadline, .article-header-audit, .article-header-screening, .article-header-priority { grid-template-columns: 1fr; }
  .article-header-conversation .article-header-copy, .article-header-comparison .article-header-copy, .article-header-screening .article-header-copy, .article-header-priority .article-header-copy, .article-header-checklist .article-header-copy, .article-header-audit .article-header-copy { padding: 2.5rem 1.5rem; }
  .article-header-deadline .article-header-copy { padding: 3.5rem max(1rem, calc((100vw - 900px) / 2)); }
  .article-header-conversation .article-cover, .article-header-checklist .article-cover, .article-header-comparison .article-cover, .article-header-deadline .article-cover, .article-header-audit .article-cover, .article-header-screening .article-cover, .article-header-priority .article-cover { height: clamp(300px, 38vw, 390px); min-height: 0; }
}
@media (max-width: 900px) {
  .desktop-nav, .header-cta { display: none; }
  .nav-shell { justify-content: space-between; }
  .menu-button { display: flex; }
  .home-hero { min-height: 620px; }
  .hero-wash { background: linear-gradient(90deg, rgba(8,40,34,.98), rgba(8,40,34,.72)); }
  .path-grid, .hub-grid, .magazine-grid, .tool-card-grid, .resource-card-grid, .detail-grid, .static-page .static-detail .detail-grid, .guide-directory-grid { grid-template-columns: 1fr 1fr; }
  .path-grid article:nth-child(3) { grid-column: 1 / -1; border-left: 0; border-top: 1px solid var(--line); }
  .magazine-grid article:first-child { grid-column: 1 / -1; grid-row: auto; }
  .finder-preview, .source-standard { grid-template-columns: 1fr; gap: 2rem; }
  .tool-hero { grid-template-columns: 1fr; align-items: start; }
  .tool-hero .privacy-chip { justify-self: start; }
  .hub-hero > img { height: 360px; }
  .hub-hero-copy { padding: 3rem 1rem; }
  .calculator-shell, .planner-shell { grid-template-columns: 1fr; }
  .calendar-grid { grid-template-columns: repeat(4, minmax(100px, 1fr)); }
  .tool-workshop-heading { grid-template-columns: 1fr; gap: .7rem; }
  .tool-entry { grid-template-columns: 90px minmax(0, 1fr); }
  .tool-entry > a:last-child { grid-column: 2; }
  .tool-choice-guide { grid-template-columns: 1fr; gap: 1rem; }
  .tool-choice-guide > a { justify-self: start; }
  .route-lanes { grid-template-columns: 1fr 1fr; }
  .route-lanes section:last-child { grid-column: 1 / -1; }
  .payoff-workbench, .call-workbench { grid-template-columns: 1fr; grid-template-rows: auto; }
  .call-controls, .call-prep-rail, .call-sheet { grid-column: 1; grid-row: auto; }
  .call-prep-rail { display: grid; grid-template-columns: .5fr 1fr; gap: 1rem 2rem; }
  .call-prep-rail h2 { grid-column: 1 / -1; }
  .call-prep-rail ul { margin: 0; }
  .call-prep-rail p { padding: 0; border: 0; }
  .article-layout { grid-template-columns: 1fr; }
  .article-aside { position: static; display: none; }
  .article-layout-conversation, .article-layout-checklist, .article-layout-deadline, .article-layout-screening { grid-template-columns: 1fr; }
  .article-layout-checklist > .article-body, .article-layout-checklist > .checklist-aside { grid-column: 1; }
  .article-layout-checklist > .checklist-aside { grid-row: auto; }
  .checklist-aside { position: static; display: block; padding: 0; border: 0; }
  .checklist-aside .article-map { display: none; }
  .checklist-aside .editor-tip { margin-bottom: 1.5rem; }
  .screening-side { position: static; }
  .conversation-opening, .comparison-opening, .audit-followup, .legal-brief-head, .legal-caution, .priority-intro, .priority-action { grid-template-columns: 1fr 1fr; }
  .footer-shell { grid-template-columns: 1.5fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 620px) {
  h1 { font-size: 2.7rem; }
  h2 { font-size: 2rem; }
  .site-header { height: 68px; }
  .brand { width: 142px; }
  .mobile-menu { inset: 68px 0 0; }
  .mobile-menu-heading { display: block; }
  .mobile-menu-heading p { margin-top: .25rem; }
  .mobile-menu-grid { grid-template-columns: 1fr; gap: 1.2rem; }
  .menu-button { min-height: 40px; }
  .menu-label { padding: 0 .7rem; }
  .menu-icon { width: 40px; min-height: 38px; }
  .menu-icon i { right: 11px; }
  .home-hero { min-height: 650px; align-items: end; }
  .home-hero > img { object-position: 66% center; opacity: .63; }
  .hero-wash { background: linear-gradient(0deg, rgba(8,40,34,1) 16%, rgba(8,40,34,.7) 72%, rgba(8,40,34,.15)); }
  .hero-content { padding: 7rem 0 2.2rem; }
  .hero-content h1 { font-size: clamp(2.35rem, 11vw, 3.05rem); }
  .hero-content > p { font-size: .98rem; }
  .button-row .button { width: 100%; }
  .hero-trust { font-size: .67rem; }
  .urgent-strip { display: block; }
  .urgent-strip a { display: inline-block; margin-top: .6rem; }
  .section-shell { padding: 3.7rem 0; }
  .section-heading.split { display: block; }
  .section-heading.split > a { display: inline-block; margin-top: 1rem; }
  .path-grid, .hub-grid, .magazine-grid, .tool-card-grid, .resource-card-grid, .detail-grid, .article-body .detail-grid, .static-page .static-detail .detail-grid, .guide-directory-grid { grid-template-columns: 1fr; }
  .guide-layout-application-dossier .detail-grid article { grid-template-columns: 1fr; gap: .25rem; }
  .article-body .detail-grid article:last-child:nth-child(odd), .static-page .static-detail .detail-grid article:last-child:nth-child(odd) { grid-column: auto; }
  .path-grid article + article { border-left: 0; border-top: 1px solid var(--line); }
  .path-grid article:nth-child(3) { grid-column: auto; }
  .finder-preview { padding: 3.5rem 1rem; }
  .magazine-grid article:first-child { grid-column: auto; }
  .magazine-grid article:first-child h3 { font-size: 1.65rem; }
  .source-standard { gap: 2rem; }
  .source-list { grid-template-columns: 1fr; }
  .source-list span:last-child { grid-column: auto; }
  .page-hero, .tool-hero { padding: 3.5rem 1rem; }
  .tool-hero h1, .page-hero h1, .article-header h1, .hub-hero-copy h1 { font-size: clamp(2.25rem, 10vw, 3rem); }
  .tool-hero { display: block; }
  .privacy-chip { display: inline-block; margin-top: 1rem; }
  .tool-shell, .calculator-shell, .planner-shell { margin-top: 1.5rem; padding: 1rem; }
  .calendar-hero { width: 100%; }
  .calendar-hero-copy { padding: 3rem 1rem; }
  .calendar-hero > img { height: 245px; }
  .calendar-workbench { width: 100%; margin-top: 1.5rem; border-inline: 0; }
  .calendar-controls, .calendar-output { padding: 1rem; }
  .calendar-baseline, .calendar-entry-row, .calendar-entry-row.bill-row, .calendar-summary { grid-template-columns: 1fr; }
  .calendar-entry-heading { display: block; }
  .calendar-entry-heading button { margin-top: .7rem; }
  .calendar-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calendar-day { min-height: 105px; }
  .calendar-empty { min-height: 360px; padding: 1.5rem; }
  .calendar-result-head { display: block; }
  .calendar-result-head .button { margin-top: .8rem; }
  .tool-workshop { padding-top: 2.5rem; }
  .tool-entry { grid-template-columns: 64px 1fr; gap: 1rem; align-items: start; }
  .tool-entry-mark { min-height: 64px; }
  .tool-entry-mark svg { width: 45px; height: 45px; }
  .tool-entry-copy h2 { font-size: 1.45rem; }
  .tool-output-sample { grid-template-columns: 1fr; gap: .2rem; }
  .tool-entry > a:last-child { grid-column: 1 / -1; }
  .finder-desk { margin-top: 1.5rem; padding: 0 1rem 1rem; }
  .finder-path { margin: 0 -1rem 1.5rem; }
  .finder-path span { padding: .7rem .25rem; font-size: .65rem; }
  .finder-desk .finder-progress { display: block; }
  .finder-desk .finder-progress strong { display: block; margin-bottom: .5rem; }
  .finder-desk .option-grid, .route-lanes { grid-template-columns: 1fr; }
  .route-lanes section:last-child { grid-column: auto; }
  .route-head { display: block; }
  .route-head > strong { display: inline-block; margin-top: .8rem; }
  .payoff-workbench, .call-workbench { width: 100%; margin-top: 1.5rem; border-inline: 0; }
  .payoff-controls, .payoff-ledger, .call-controls, .call-prep-rail, .call-sheet { padding: 1rem; }
  .payoff-form-actions, .ledger-comparison, .principal-check, .call-field-pair, .call-record > div { grid-template-columns: 1fr; }
  .ledger-head, .call-sheet-head { display: block; }
  .ledger-head .button, .call-sheet-head .button { margin-top: .8rem; }
  .payoff-reading-path, .call-usage-grid { grid-template-columns: 1fr; }
  .payoff-reading-path article + article { border-left: 0; border-top: 1px solid var(--line); }
  .call-prep-rail { display: block; }
  .call-prep-rail ul { margin: 1rem 0; }
  .call-prep-rail p { padding-top: 1rem; border-top: 1px solid #416158; }
  .option-grid, .result-grid, .tool-notes div { grid-template-columns: 1fr; }
  .article-list article { grid-template-columns: 1fr; gap: .7rem; }
  .hub-referral { display: block; padding: 2.5rem 1rem; }
  .hub-referral .button { margin-top: 1.2rem; }
  .hub-hero > img { height: 260px; }
  .article-header { padding-top: 3rem; }
  .article-header-conversation, .article-header-checklist, .article-header-comparison, .article-header-deadline, .article-header-audit, .article-header-screening, .article-header-priority { width: 100%; padding-top: 0; }
  .article-header-legal { width: calc(100% - 2rem); padding-top: 2rem; }
  .article-header-conversation .article-cover, .article-header-checklist .article-cover, .article-header-comparison .article-cover, .article-header-deadline .article-cover, .article-header-audit .article-cover, .article-header-legal .article-cover, .article-header-screening .article-cover, .article-header-priority .article-cover { height: 240px; min-height: 0; }
  .conversation-opening, .comparison-opening, .comparison-questions, .audit-followup, .legal-brief-head, .legal-caution, .priority-intro, .priority-action, .priority-modules.article-core-sections { grid-template-columns: 1fr; }
  .comparison-map .article-map, .audit-map .article-map { grid-template-columns: 1fr; }
  .comparison-map .article-map strong, .audit-map .article-map strong { grid-column: auto; }
  .comparison-modules.comparison-section { width: 100%; margin-left: 0; padding: 1rem; }
  .article-layout-comparison, .article-layout-audit, .article-layout-legal, .article-layout-priority { width: calc(100% - 2rem); }
  .audit-workbench { padding: 1rem; }
  .deadline-modules.article-core-sections { padding-left: 1rem; }
  .deadline-modules.article-core-sections > section::before { left: -1.48rem; }
  .article-meta { display: grid; gap: .2rem; }
  .direct-answer { padding: 1rem; }
  .footer-shell { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { display: block; }
  .footer-bottom span { display: block; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}
@media print {
  .site-header, .mobile-menu, .site-footer, .tool-hero, .planner-form, .button { display: none !important; }
  .planner-shell { display: block; border: 0; margin: 0; padding: 0; }
  .call-sheet { border: 0; background: white; }
  .breadcrumb-bar, .payoff-controls, .call-controls, .call-prep-rail, .payoff-reading-guide, .call-usage, .related-resources, .tool-notes { display: none !important; }
  .payoff-workbench, .call-workbench { display: block; width: 100%; margin: 0; padding: 0; border: 0; }
  .payoff-ledger, .call-sheet { padding: 0; border: 0; background: white; }
  .calendar-hero, .calendar-controls, .calendar-reading-guide, .calendar-decision-table, .calendar-limits { display: none !important; }
  .calendar-workbench { display: block; width: 100%; margin: 0; padding: 0; border: 0; background: white; }
  .calendar-output { padding: 0; }
}