/* ============================================================
   Hero + calculator layout
   ============================================================ */
.hero {
  padding: 48px 0 24px;
  background: linear-gradient(180deg, #ffffff 0%, var(--bg) 100%);
}
.hero h1 { color: var(--navy); }
.hero p.lead { margin-top: 6px; }
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}
.hero-bullets {
  list-style: none;
  padding: 0;
  margin: 18px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
  font-size: 0.9rem;
  color: var(--muted);
}
.hero-bullets li {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.hero-bullets li::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--red);
  display: inline-block;
}

/* ============================================================
   Buttons (generic)
   ============================================================ */
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 22px;
  background: var(--red);
  color: #fff;
  border: 1px solid var(--red);
  border-radius: var(--radius-sm);
  font: inherit;
  font-size: 0.98rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.15s ease, border-color 0.15s ease;
  text-decoration: none;
}
.button:hover { background: var(--red-strong); border-color: var(--red-strong); color: #fff; }
.button-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.button-ghost:hover {
  background: var(--navy);
  color: #fff;
}

/* ============================================================
   Placeholder sections for Stage 2 + Stage 3
   ============================================================ */
.placeholder-section {
  padding: 64px 0;
  background: var(--surface);
  border-top: 1px solid var(--line);
}
.placeholder-section + .placeholder-section { border-top: none; }
.placeholder-note {
  padding: 28px;
  text-align: center;
  border: 2px dashed var(--line);
  border-radius: var(--radius);
  color: var(--muted);
  font-size: 0.95rem;
}
.placeholder-note strong { color: var(--navy); }

/* ============================================================
   Disclaimer + footer
   ============================================================ */
.disclaimer {
  margin-top: 20px;
  padding: 18px 22px;
  background: var(--surface-muted);
  border-left: 3px solid var(--red);
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  color: var(--muted);
}
.disclaimer strong { color: var(--text); }
.disclaimer a { color: var(--navy); text-decoration: underline; }

.site-footer {
  background: var(--navy-strong);
  color: rgba(255, 255, 255, 0.7);
  padding: 36px 0 28px;
  font-size: 0.88rem;
  margin-top: 40px;
}
.home-page .site-footer { margin-top: 0; }
.footer-attorney {
  background: var(--navy);
  padding: 20px 24px;
  border-radius: var(--radius);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-attorney p {
  margin: 0;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.92rem;
  max-width: 56ch;
}
.footer-attorney a {
  color: #fff;
  font-weight: 700;
  text-decoration: underline;
  white-space: nowrap;
}
.footer-attorney a:hover { color: var(--red); }
.footer-meta {
  display: grid;
  grid-template-columns: minmax(220px, 0.9fr) minmax(0, 2fr);
  gap: 28px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-meta p { margin: 0; }
.footer-meta a { color: rgba(255, 255, 255, 0.7); }
.footer-meta a:hover { color: #fff; }
.footer-nav {
  display: grid;
  grid-template-columns: repeat(4, minmax(130px, 1fr));
  gap: 24px;
}
.footer-col {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.footer-col h2 {
  margin: 0 0 2px;
  color: #fff;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0;
}
.footer-col a {
  width: fit-content;
  line-height: 1.35;
}
@media (max-width: 820px) {
  .footer-meta { grid-template-columns: 1fr; }
  .footer-nav { grid-template-columns: repeat(2, minmax(150px, 1fr)); }
}
@media (max-width: 520px) {
  .footer-nav { grid-template-columns: 1fr; }
}

/* ============================================================
   Focus + a11y
   ============================================================ */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible {
  outline: 3px solid rgba(191, 10, 48, 0.4);
  outline-offset: 2px;
}
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ============================================================
   Article (long-form explainer)
   ============================================================ */
.article-section {
  padding: 64px 0;
  background: var(--surface);
  border-top: 1px solid var(--line);
}
.article-section + .article-section { border-top: none; }
.article-content {
  max-width: 720px;
  margin: 0 auto;
}
.article-content h2 {
  font-size: clamp(1.5rem, 2.4vw, 1.95rem);
  font-weight: 700;
  color: var(--navy);
  margin: 56px 0 14px;
}
.article-content h2:first-child { margin-top: 0; }
.article-content h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text);
  margin: 32px 0 10px;
}
.article-content p {
  margin: 0 0 16px;
  font-size: 1.02rem;
  color: var(--text);
  line-height: 1.65;
}
.article-content p.lede {
  font-size: 1.12rem;
  color: var(--muted);
  margin-bottom: 28px;
}
.article-content ul,
.article-content ol {
  margin: 0 0 18px;
  padding-left: 22px;
  font-size: 1.02rem;
  color: var(--text);
  line-height: 1.65;
}
.article-content ul li,
.article-content ol li { margin: 0 0 6px; }
.article-content strong { color: var(--text); font-weight: 700; }
.article-content a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.article-content a:hover { color: var(--red); }
.article-content code {
  font-family: ui-monospace, "SF Mono", Menlo, Consolas, monospace;
  font-size: 0.92em;
  background: var(--surface-muted);
  padding: 1px 6px;
  border-radius: 4px;
  color: var(--navy);
}

.callout {
  margin: 22px 0;
  padding: 18px 22px;
  background: var(--surface-muted);
  border-left: 3px solid var(--navy);
  border-radius: var(--radius-sm);
}
.callout p { margin: 0 0 8px; font-size: 0.96rem; }
.callout p:last-child { margin-bottom: 0; }
.callout-title {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy);
  margin-bottom: 8px;
}

.article-content .resource-grid {
  list-style: none;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}
.article-content .resource-grid li { margin: 0; }
.article-content .resource-grid a {
  display: block;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--surface-muted);
  font-weight: 600;
  text-decoration: none;
}
@media (max-width: 620px) {
  .article-content .resource-grid { grid-template-columns: 1fr; }
}

.article-content .check-list {
  list-style: none;
  padding-left: 0;
}
.article-content .check-list li {
  position: relative;
  padding-left: 30px;
}
.article-content .check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 16px;
  height: 16px;
  border: 2px solid var(--navy);
  border-radius: 4px;
  background: var(--surface);
}

.referral-cta {
  margin: 42px 0;
  padding: 28px;
  border: 1px solid rgba(12, 35, 64, 0.18);
  border-radius: var(--radius);
  background: #f8fafc;
}
.referral-cta h2 { margin-top: 0; }
.referral-cta .button { margin: 8px 0 16px; }
.referral-cta .disclaimer {
  margin-top: 16px;
  background: var(--surface);
}

.worked-example {
  margin: 22px 0;
  padding: 22px 24px;
  background: #f8fafc;
  border: 1px solid #dbeafe;
  border-radius: var(--radius);
}
.worked-example .callout-title { color: var(--red); }
.worked-example p {
  margin: 0 0 10px;
  font-size: 0.96rem;
}
.worked-example .math {
  font-family: ui-monospace, "SF Mono", Menlo, Consolas, monospace;
  font-size: 0.9rem;
  color: var(--navy);
  padding: 12px 14px;
  background: var(--surface);
  border-radius: var(--radius-sm);
  margin: 8px 0 12px;
  white-space: pre-line;
  line-height: 1.65;
}
.worked-example .math strong { color: var(--red); font-weight: 700; }

/* FAQ */
.faq { margin: 24px 0 0; }
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-q {
  width: 100%;
  background: none;
  border: 0;
  padding: 18px 36px 18px 0;
  text-align: left;
  font: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  position: relative;
  line-height: 1.4;
}
.faq-q::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--navy);
  transition: transform 0.18s ease;
}
.faq-item.is-open .faq-q::after { transform: translateY(-50%) rotate(45deg); }
.faq-q:hover { color: var(--navy); }
.faq-a {
  display: none;
  padding: 0 0 18px;
  font-size: 0.98rem;
  color: var(--muted);
  line-height: 1.6;
}
.faq-a p { margin: 0 0 12px; color: inherit; font-size: inherit; }
.faq-a p:last-child { margin-bottom: 0; }
.faq-item.is-open .faq-a { display: block; }

/* ============================================================
   2026 Rates grid
   ============================================================ */
.rates-section {
  padding: 64px 0;
  background: var(--surface-muted);
}
.rates-intro {
  max-width: 720px;
  margin: 0 auto 32px;
  text-align: center;
}
.rates-intro h2 {
  color: var(--navy);
  font-size: clamp(1.6rem, 2.6vw, 2rem);
  margin-bottom: 12px;
}
.rates-intro p { font-size: 1rem; }

.rates-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 14px;
}
.rates-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
  position: relative;
}
.rates-card-pct {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin: 0 0 4px;
  line-height: 1;
}
.rates-card-label {
  font-size: 0.78rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
  margin: 0 0 16px;
}
.rates-card-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  padding: 6px 0;
  font-size: 0.88rem;
  color: var(--muted);
  border-top: 1px solid var(--line);
}
.rates-card-row:first-of-type { border-top: none; }
.rates-card-row .amt {
  font-weight: 700;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
.rates-card-row.primary .amt {
  color: var(--navy);
  font-size: 1.02rem;
}

.rates-note {
  max-width: 720px;
  margin: 28px auto 0;
  padding: 18px 22px;
  background: var(--surface);
  border-left: 3px solid var(--navy);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  color: var(--muted);
}
.rates-note strong { color: var(--text); }
.rates-note a { color: var(--navy); text-decoration: underline; }


/* ============================================================
   Cookie consent banner (Consent Mode v2)
   ============================================================ */
.cookie-banner {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 50;
  max-width: 360px;
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius);
  padding: 18px 20px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  font-size: 0.9rem;
  line-height: 1.5;
  transform: translateY(120%);
  opacity: 0;
  transition: transform 0.35s ease, opacity 0.35s ease;
  pointer-events: none;
}
.cookie-banner.is-visible {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}
.cookie-banner p {
  margin: 0 0 14px;
  color: rgba(255, 255, 255, 0.92);
}
.cookie-banner-actions {
  display: flex;
  gap: 10px;
}
.cookie-btn {
  flex: 1;
  padding: 9px 14px;
  border-radius: var(--radius-sm);
  font: inherit;
  font-size: 0.88rem;
  font-weight: 700;
  cursor: pointer;
  border: 1px solid transparent;
  transition: background 0.15s ease, border-color 0.15s ease;
}
.cookie-btn--accept {
  background: var(--red);
  border-color: var(--red);
  color: #fff;
}
.cookie-btn--accept:hover { background: var(--red-strong); border-color: var(--red-strong); }
.cookie-btn--decline {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.3);
  color: rgba(255, 255, 255, 0.9);
}
.cookie-btn--decline:hover { border-color: #fff; color: #fff; }

@media (max-width: 480px) {
  .cookie-banner {
    left: 16px;
    right: 16px;
    bottom: 16px;
    max-width: none;
  }
}


/* ============================================================
   Compact rating-review CTA blocks
   ============================================================ */
.compact-cta-section {
  padding: 48px 0;
  background: var(--surface-muted);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.compact-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  padding: 28px;
  border: 1px solid rgba(12, 35, 64, 0.16);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow);
}

.compact-cta h2 {
  margin: 0 0 10px;
  color: var(--navy);
  font-size: clamp(1.35rem, 2.2vw, 1.8rem);
}

.compact-cta p {
  max-width: 66ch;
  margin: 0;
  color: var(--muted);
  line-height: 1.6;
}

.compact-cta .eyebrow {
  margin-bottom: 8px;
  color: var(--red);
}

.compact-cta .button {
  white-space: nowrap;
}

.home-rating-cta-section {
  background: var(--surface);
  border-bottom: 0;
}

.home-rating-cta-section .compact-cta {
  background: var(--surface-muted);
}

@media (max-width: 720px) {
  .compact-cta {
    grid-template-columns: 1fr;
    padding: 22px 18px;
  }

  .compact-cta .button {
    width: 100%;
    text-align: center;
  }
}