/* ============================================================
   FINANCIAL BLOG — Main Stylesheet
   Pure CSS3, no frameworks
   ============================================================ */

/* ---------- CSS Variables ---------- */
:root {
  --color-bg: #ffffff;
  --color-bg-alt: #f6f8fb;
  --color-surface: #ffffff;
  --color-text: #1c2430;
  --color-text-muted: #5c6672;
  --color-heading: #101522;
  --color-accent: #0b6e4f;
  --color-accent-dark: #08523b;
  --color-accent-soft: #e7f4ef;
  --color-border: #e4e9ef;
  --color-warning: #8a4b08;
  --color-warning-soft: #fdf3e3;

  --font-sans: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --font-serif: Georgia, "Times New Roman", serif;

  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;

  --shadow-sm: 0 1px 3px rgba(16, 21, 34, 0.08);
  --shadow-md: 0 6px 18px rgba(16, 21, 34, 0.08);
  --shadow-lg: 0 14px 34px rgba(16, 21, 34, 0.12);

  --container: 1200px;
  --header-h: 72px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

body {
  font-family: var(--font-sans);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--color-accent); text-decoration: none; }
a:hover { text-decoration: none; }
ul, ol { list-style: none; }
h1, h2, h3, h4 { color: var(--color-heading); line-height: 1.3; }

button { font-family: inherit; cursor: pointer; }
input, textarea { font-family: inherit; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 72px 0; }
.section-alt { background: var(--color-bg-alt); }

.section-head { max-width: 680px; margin-bottom: 40px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: 10px;
}
.section-head h2 { font-size: 34px; margin-bottom: 12px; }
.section-head p { color: var(--color-text-muted); font-size: 17px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 15px;
  line-height: 1.2;
  border: 1px solid transparent;
  transition: background 0.2s, color 0.2s, box-shadow 0.2s, transform 0.1s;
  text-align: center;
}
.btn-primary { background: var(--color-accent); color: #fff; }
.btn-primary:hover { background: var(--color-accent-dark); box-shadow: var(--shadow-md); }
.btn-outline { border-color: var(--color-accent); color: var(--color-accent); background: transparent; }
.btn-outline:hover { background: var(--color-accent-soft); }
.btn-white { background: #fff; color: var(--color-accent); }
.btn-white:hover { box-shadow: var(--shadow-md); }
.btn-sm { padding: 10px 18px; font-size: 14px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--color-border);
  height: var(--header-h);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}
.brand { display: flex; align-items: center; gap: 10px; }
.brand-mark {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: var(--color-accent);
  color: #fff;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 19px;
}
.brand-name { font-size: 21px; font-weight: 800; color: var(--color-heading); letter-spacing: -0.02em; }
.brand-name span { color: var(--color-accent); }

.main-nav ul { display: flex; align-items: center; gap: 28px; }
.main-nav a {
  color: var(--color-text);
  font-weight: 550;
  font-size: 15px;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
}
.main-nav a:hover, .main-nav a.active { color: var(--color-accent); border-color: var(--color-accent); }

.header-actions { display: flex; align-items: center; gap: 14px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--color-heading);
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav */
.mobile-nav {
  position: fixed;
  top: var(--header-h);
  left: 0; right: 0;
  background: #fff;
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg);
  padding: 20px 24px 28px;
  display: none;
  z-index: 99;
}
.mobile-nav.open { display: block; }
.mobile-nav ul { display: flex; flex-direction: column; }
.mobile-nav li { border-bottom: 1px solid var(--color-border); }
.mobile-nav a {
  display: block;
  padding: 14px 0;
  color: var(--color-text);
  font-weight: 550;
}
.mobile-nav a:hover { color: var(--color-accent); }
.mobile-nav .btn { margin-top: 18px; width: 100%; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, #0b1f1a 0%, #0e3a2b 45%, #0b6e4f 100%);
  color: #fff;
  overflow: hidden;
  padding: 96px 0 110px;
}
.hero::before {
  content: "";
  position: absolute;
  top: -120px; right: -120px;
  width: 420px; height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,0.10), transparent 65%);
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -160px; left: 30%;
  width: 460px; height: 460px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,0.07), transparent 65%);
}
.hero .container { position: relative; z-index: 2; }
.hero-inner { max-width: 720px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 22px;
  color: #d9f2e8;
}
.hero h1 {
  font-size: 52px;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
  line-height: 1.15;
}
.hero h1 em { font-style: normal; color: #8fe0c4; }
.hero p {
  font-size: 19px;
  color: rgba(255,255,255,0.85);
  max-width: 600px;
  margin-bottom: 34px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 44px;
  margin-top: 60px;
  padding-top: 34px;
  border-top: 1px solid rgba(255,255,255,0.18);
}
.hero-stat strong { font-size: 30px; display: block; color: #fff; }
.hero-stat span { font-size: 14px; color: rgba(255,255,255,0.78); }

/* ---------- Featured Topics ---------- */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.topic-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.topic-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: #cfe3da;
}
.topic-icon {
  width: 54px; height: 54px;
  border-radius: 14px;
  background: var(--color-accent-soft);
  color: var(--color-accent);
  display: grid; place-items: center;
  font-size: 24px;
}
.topic-card h3 { font-size: 20px; }
.topic-card p { color: var(--color-text-muted); font-size: 15px; flex: 1; }
.topic-link { font-weight: 600; font-size: 14px; color: var(--color-accent); }
.topic-link:hover { color: var(--color-accent-dark); }

/* ---------- Credit Score Section ---------- */
.credit-info {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 48px;
  align-items: center;
}
.credit-info h2 { font-size: 34px; margin: 6px 0 14px; }
.credit-info > p { color: var(--color-text-muted); margin-bottom: 26px; }
.factor-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 30px; }
.factor-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 16px;
}
.factor-item .fi {
  width: 34px; height: 34px;
  border-radius: 9px;
  background: #fff;
  border: 1px solid var(--color-border);
  display: grid; place-items: center;
  font-size: 16px;
  flex-shrink: 0;
}
.factor-item strong { font-size: 15px; display: block; }
.factor-item span { font-size: 13px; color: var(--color-text-muted); }

.score-stack {
  position: relative;
  background: linear-gradient(160deg, #0b1f1a, #0b6e4f);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-lg);
}
.score-stack h3 { color: #fff; font-size: 22px; margin-bottom: 22px; }
.gauge { margin: 0 auto 26px; width: 220px; }
.gauge-bar {
  height: 14px;
  border-radius: 999px;
  background: rgba(255,255,255,0.18);
  position: relative;
  overflow: hidden;
}
.gauge-bar::after {
  content: "";
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 42%;
  border-radius: 999px;
  background: linear-gradient(90deg, #dbe8ff, #7fcba5);
}
.gauge-note {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: rgba(255,255,255,0.7);
  margin-bottom: 8px;
}
.score-bars { display: flex; flex-direction: column; gap: 14px; }
.score-bar-line span { font-size: 14px; display: flex; justify-content: space-between; margin-bottom: 5px; color: rgba(255,255,255,0.92); }
.score-bar-line em { font-style: normal; font-weight: 700; color: #8fe0c4; }
.bar-track { height: 8px; background: rgba(255,255,255,0.15); border-radius: 999px; overflow: hidden; }
.bar-fill { height: 100%; background: #8fe0c4; border-radius: 999px; }

/* ---------- Article Cards ---------- */
.article-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.article-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.25s, box-shadow 0.25s;
}
.article-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.article-card .cat-chip {
  align-self: flex-start;
  font-size: 12px;
  font-weight: 700;
  color: var(--color-accent);
  background: var(--color-accent-soft);
  padding: 5px 11px;
  border-radius: 999px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.article-card h3 { font-size: 19px; }
.article-card h3 a { color: var(--color-heading); }
.article-card h3 a:hover { color: var(--color-accent); }
.article-card .excerpt { color: var(--color-text-muted); font-size: 15px; flex: 1; }
.article-card .meta { display: flex; gap: 14px; font-size: 13px; color: var(--color-text-muted); }
.article-card .btn { margin-top: 6px; align-self: flex-start; }

/* ---------- Popular Guides ---------- */
.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.guide-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 20px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s, border-color 0.2s, box-shadow 0.2s;
}
.guide-card:hover { transform: translateY(-3px); border-color: #cfe3da; box-shadow: var(--shadow-md); }
.guide-label { font-weight: 650; color: var(--color-heading); font-size: 15px; }
.guide-arrow { color: var(--color-accent); font-weight: 800; font-size: 18px; }

/* ---------- Newsletter ---------- */
.newsletter {
  background: linear-gradient(150deg, #0b1f1a, #0b6e4f);
  border-radius: var(--radius-lg);
  padding: 56px 48px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.newsletter::after {
  content: "";
  position: absolute;
  right: -80px; top: -80px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,0.10), transparent 65%);
}
.newsletter-inner { position: relative; z-index: 2; max-width: 540px; }
.newsletter h2 { color: #fff; font-size: 32px; margin-bottom: 10px; }
.newsletter p { color: rgba(255,255,255,0.85); margin-bottom: 24px; }
.newsletter-form { display: flex; gap: 10px; flex-wrap: wrap; }
.newsletter-form input {
  flex: 1;
  min-width: 220px;
  padding: 14px 18px;
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.12);
  color: #fff;
  font-size: 15px;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.7); }
.newsletter-form input:focus { outline: none; border-color: #8fe0c4; }
.newsletter-success { display: none; margin-top: 4px; color: #a7f0d4; font-weight: 600; }
.newsletter-success.show { display: block; }

/* ---------- Footer ---------- */
.site-footer { background: #0b1f1a; color: rgba(255,255,255,0.8); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand .brand-name { color: #fff; margin-bottom: 14px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.7); max-width: 300px; }
.footer-col h4 { color: #fff; font-size: 16px; margin-bottom: 18px; }
.footer-col li { margin-bottom: 11px; }
.footer-col a { color: rgba(255,255,255,0.75); font-size: 14px; }
.footer-col a:hover { color: #8fe0c4; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.14);
  padding-top: 26px;
  display: flex;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  font-size: 14px;
  color: rgba(255,255,255,0.6);
}
.footer-legal { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-legal a { color: rgba(255,255,255,0.7); font-size: 13px; }
.footer-legal a:hover { color: #8fe0c4; }
.disclaimer {
  margin-top: 26px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.55);
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 22px;
  line-height: 1.6;
}

/* ---------- Page Hero (inner pages) ---------- */
.page-hero {
  background: var(--color-bg-alt);
  border-bottom: 1px solid var(--color-border);
  padding: 56px 0;
}
.page-hero .breadcrumb { font-size: 13px; color: var(--color-text-muted); margin-bottom: 12px; }
.page-hero .breadcrumb a { color: var(--color-text-muted); }
.page-hero .breadcrumb a:hover { color: var(--color-accent); }
.page-hero h1 { font-size: 40px; margin-bottom: 12px; }
.page-hero p { color: var(--color-text-muted); max-width: 660px; font-size: 17px; }

/* ---------- Blog Page ---------- */
.blog-toolbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.search-box {
  flex: 1;
  min-width: 260px;
  position: relative;
}
.search-box input {
  width: 100%;
  padding: 14px 18px 14px 46px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  background: var(--color-surface);
  transition: border-color 0.2s;
}
.search-box input:focus { outline: none; border-color: var(--color-accent); }
.search-box .search-icon { position: absolute; left: 18px; top: 50%; transform: translateY(-50%); color: var(--color-text-muted); }
.blog-count { font-size: 14px; color: var(--color-text-muted); font-weight: 550; white-space: nowrap; }

.filter-bar { margin-bottom: 34px; }
.filter-bar ul { display: flex; gap: 10px; flex-wrap: wrap; }
.filter-btn {
  padding: 9px 17px;
  border: 1px solid var(--color-border);
  border-radius: 999px;
  background: var(--color-surface);
  font-size: 14px;
  font-weight: 550;
  color: var(--color-text-muted);
  transition: all 0.2s;
}
.filter-btn:hover { border-color: var(--color-accent); color: var(--color-accent); }
.filter-btn.active { background: var(--color-accent); border-color: var(--color-accent); color: #fff; }

.featured-article {
  background: linear-gradient(150deg, #0b1f1a, #0b6e4f);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  margin-bottom: 40px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  overflow: hidden;
}
.featured-article::after { content: ""; position: absolute; right: -70px; top: -70px; width: 260px; height: 260px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,0.10), transparent 65%); }
.featured-article .featured-tag { align-self: flex-start; background: rgba(255,255,255,0.16); color: #d9f2e8; padding: 5px 12px; border-radius: 999px; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; }
.featured-article h2 { color: #fff; font-size: 30px; max-width: 640px; }
.featured-article p { color: rgba(255,255,255,0.85); max-width: 620px; }
.featured-article .meta { color: rgba(255,255,255,0.75); font-size: 14px; display: flex; gap: 16px; flex-wrap: wrap; }
.featured-article .btn { align-self: flex-start; }

.no-results { text-align: center; padding: 60px 0; color: var(--color-text-muted); display: none; }
.no-results.show { display: block; }
.no-results h3 { margin-bottom: 8px; }

.load-more {
  text-align: center;
  margin-top: 44px;
  display: none;
}
.load-more.show { display: block; }
.load-more button { padding: 14px 34px; }

/* ---------- Article Page ---------- */
.reading-progress {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  width: 0%;
  background: var(--color-accent);
  z-index: 200;
}
.article-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  padding: 48px 0 0;
  align-items: start;
}
.article-main { min-width: 0; }

.article-header {
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 28px;
  margin-bottom: 32px;
}
.article-header .cat-chip {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  color: var(--color-accent);
  background: var(--color-accent-soft);
  padding: 5px 12px;
  border-radius: 999px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.article-header h1 { font-size: 40px; line-height: 1.2; margin-bottom: 16px; }
.article-header .article-deck { color: var(--color-text-muted); font-size: 18px; margin-bottom: 20px; }
.article-byline { display: flex; flex-wrap: wrap; gap: 10px 24px; font-size: 14px; color: var(--color-text-muted); }
.article-byline strong { color: var(--color-heading); }
.byline-sep { color: var(--color-border); }

/* TOC */
.toc {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 22px 26px;
  margin: 28px 0 32px;
}
.toc h3 { font-size: 16px; margin-bottom: 12px; }
.toc ol { list-style: none; counter-reset: toc; }
.toc li { margin-bottom: 8px; }
.toc a { color: var(--color-text-muted); font-size: 15px; display: inline-flex; gap: 8px; }
.toc a:hover { color: var(--color-accent); }
.toc a::before { counter-increment: toc; content: counter(toc) "."; color: var(--color-accent); font-weight: 600; }

/* Article body */
.article-body { font-size: 17px; line-height: 1.85; }
.article-body h2 { font-size: 28px; margin: 44px 0 16px; scroll-margin-top: calc(var(--header-h) + 16px); }
.article-body h3 { font-size: 22px; margin: 32px 0 12px; }
.article-body p { margin-bottom: 22px; color: var(--color-text); }
.article-body p a { text-decoration: underline; text-underline-offset: 3px; }
.article-body ul, .article-body ol { margin: 0 0 22px 24px; }
.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li { margin-bottom: 10px; }
.article-body strong { color: var(--color-heading); }
.article-body em { color: var(--color-text); }

.key-takeaways {
  background: var(--color-accent-soft);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius-sm);
  padding: 24px 28px;
  margin: 32px 0;
}
.key-takeaways h3 { font-size: 18px; margin-bottom: 14px; }
.key-takeaways ul { list-style: none; margin: 0; }
.key-takeaways li { padding-left: 26px; position: relative; margin-bottom: 10px; }
.key-takeaways li::before { content: "✓"; position: absolute; left: 0; color: var(--color-accent); font-weight: 800; }

/* FAQ accordion */
.faq-list { margin-top: 30px; display: flex; flex-direction: column; gap: 14px; }
.faq-item { border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; }
.faq-question {
  width: 100%;
  background: var(--color-surface);
  border: none;
  padding: 18px 22px;
  text-align: left;
  font-size: 16px;
  font-weight: 600;
  color: var(--color-heading);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-question .faq-icon { font-size: 20px; color: var(--color-accent); transition: transform 0.25s; flex-shrink: 0; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-answer-inner { padding: 0 22px 20px; color: var(--color-text-muted); font-size: 15px; }

/* Divider */
.article-divider {
  border: none;
  height: 1px;
  background: var(--color-border);
  margin: 40px 0;
}

/* Related */
.related-section h2 { font-size: 26px; margin-bottom: 24px; }

/* Social share */
.share-bar { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-top: 34px; padding-top: 28px; border-top: 1px solid var(--color-border); }
.share-bar span { font-weight: 650; color: var(--color-heading); }
.share-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: var(--color-surface);
  font-size: 14px;
  font-weight: 550;
  color: var(--color-text);
  transition: all 0.2s;
}
.share-btn:hover { border-color: var(--color-accent); color: var(--color-accent); }
.share-btn .sicon { font-size: 16px; }

/* Sidebar */
.article-sidebar { position: sticky; top: calc(var(--header-h) + 24px); display: flex; flex-direction: column; gap: 28px; }
.side-widget {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.side-widget h3 { font-size: 17px; margin-bottom: 16px; }
.side-guides a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--color-border);
  font-size: 14.5px;
  font-weight: 550;
  color: var(--color-text);
}
.side-guides a:last-child { border-bottom: none; }
.side-guides a:hover { color: var(--color-accent); }
.side-guides .sg-arrow { color: var(--color-accent); }

.side-newsletter {
  background: linear-gradient(150deg, #0b1f1a, #0b6e4f);
  color: #fff;
}
.side-newsletter h3 { color: #fff; }
.side-newsletter p { color: rgba(255,255,255,0.82); font-size: 14px; margin-bottom: 16px; }
.side-newsletter input { width: 100%; padding: 12px 14px; border-radius: var(--radius-sm); border: 1px solid rgba(255,255,255,0.3); background: rgba(255,255,255,0.12); color: #fff; margin-bottom: 10px; }
.side-newsletter input::placeholder { color: rgba(255,255,255,0.7); }
.side-newsletter .btn { width: 100%; }

.affiliate-note {
  font-size: 13px;
  color: var(--color-text-muted);
  background: var(--color-warning-soft);
  border: 1px solid #ecd9b5;
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  line-height: 1.6;
}
.affiliate-note strong { color: var(--color-warning); }

/* ---------- Back to top ---------- */
.back-to-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--color-accent);
  color: #fff;
  border: none;
  font-size: 20px;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all 0.25s;
  z-index: 150;
}
.back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: var(--color-accent-dark); }

/* ---------- Generic content pages ---------- */
.prose { max-width: 760px; }
.prose h2 { font-size: 26px; margin: 36px 0 14px; scroll-margin-top: calc(var(--header-h) + 16px); }
.prose h3 { font-size: 21px; margin: 28px 0 12px; }
.prose p { margin-bottom: 20px; color: var(--color-text); }
.prose ul { list-style: disc; margin: 0 0 20px 24px; }
.prose ol { list-style: decimal; margin: 0 0 20px 24px; }
.prose li { margin-bottom: 9px; }
.prose a { text-decoration: underline; text-underline-offset: 3px; }
.prose strong { color: var(--color-heading); }

.page-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}

/* ---------- Contact form ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-form .field { margin-bottom: 20px; }
.contact-form label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 7px; color: var(--color-heading); }
.contact-form input, .contact-form textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  background: var(--color-surface);
  transition: border-color 0.2s;
}
.contact-form input:focus, .contact-form textarea:focus { outline: none; border-color: var(--color-accent); }
.contact-form textarea { resize: vertical; min-height: 150px; }
.form-success { display: none; background: var(--color-accent-soft); border: 1px solid #bfe5d3; color: var(--color-accent-dark); padding: 16px 20px; border-radius: var(--radius-sm); font-weight: 600; margin-bottom: 20px; }
.form-success.show { display: block; }
.contact-info-item { display: flex; gap: 16px; margin-bottom: 26px; align-items: flex-start; }
.contact-info-item .ci-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--color-accent-soft); color: var(--color-accent); display: grid; place-items: center; font-size: 19px; flex-shrink: 0; }
.contact-info-item h3 { font-size: 16px; margin-bottom: 3px; }
.contact-info-item p { color: var(--color-text-muted); font-size: 14.5px; }

/* ---------- Credit score page ---------- */
.score-ranges { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; margin: 10px 0 30px; }
.score-range-card { border-radius: var(--radius-md); padding: 20px; text-align: center; background: var(--color-bg-alt); border: 1px solid var(--color-border); }
.score-range-card .rng { font-size: 24px; font-weight: 800; color: var(--color-accent); display: block; margin-bottom: 4px; }
.score-range-card span { font-size: 13px; color: var(--color-text-muted); font-weight: 600; }
.link-list li { margin-bottom: 10px; }
.link-list a { font-weight: 600; }
.link-list a::before { content: "→ "; color: var(--color-accent); }

/* ---------- FAQ page list (credit score page) ---------- */
.faq-page-list .faq-item { margin-bottom: 0; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .topics-grid, .article-grid { grid-template-columns: repeat(2, 1fr); }
  .guides-grid { grid-template-columns: repeat(2, 1fr); }
  .main-nav { display: none; }
  .header-actions .btn { display: none; }
  .hamburger { display: flex; }
  .credit-info { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .score-ranges { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .section { padding: 54px 0; }
  .hero { padding: 70px 0 80px; }
  .hero h1 { font-size: 38px; }
  .hero p { font-size: 17px; }
  .hero-stats { gap: 26px; flex-wrap: wrap; }
  .article-layout { grid-template-columns: 1fr; gap: 40px; }
  .article-sidebar { position: static; }
  .article-header h1 { font-size: 31px; }
  .topic-card { padding: 24px; }
  .newsletter { padding: 40px 28px; }
}

@media (max-width: 640px) {
  .topics-grid, .article-grid, .guides-grid { grid-template-columns: 1fr; }
  .factor-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .score-ranges { grid-template-columns: repeat(2, 1fr); }
  .footer-bottom { flex-direction: column; }
  .page-hero h1 { font-size: 31px; }
  .section-head h2, .credit-info h2 { font-size: 28px; }
  .featured-article { padding: 28px; }
  .byline-sep { display: none; }
}

@media (max-width: 480px) {
  .container { padding: 0 18px; }
  .hero-actions .btn { width: 100%; }
  .newsletter-form { flex-direction: column; }
  .newsletter-form .btn { width: 100%; }
  .back-to-top { bottom: 20px; right: 20px; }
}