/* HELOCpedia — clean, information-authority styling
   Brand voice: trustworthy, modern, comparison-site feel (Bankrate/NerdWallet inspired)
   Color palette: deep teal (trust), soft coral accent (warmth), neutral grays */

:root {
  --teal-900: #0d3d4f;
  --teal-700: #155e75;
  --teal-500: #0e7490;
  --teal-100: #ccfbf1;
  --coral: #f97316;
  --coral-dark: #ea580c;
  --gray-900: #111827;
  --gray-700: #374151;
  --gray-500: #6b7280;
  --gray-300: #d1d5db;
  --gray-200: #e5e7eb;
  --gray-100: #f3f4f6;
  --gray-50: #f9fafb;
  --white: #ffffff;
  --green: #16a34a;
  --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.05);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, sans-serif;
  color: var(--gray-900);
  margin: 0;
  line-height: 1.6;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--teal-700); text-decoration: none; }
a:hover { color: var(--teal-900); text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: 'Georgia', 'Times New Roman', serif;
  color: var(--gray-900);
  line-height: 1.25;
  margin: 0 0 16px;
}
h1 { font-size: 2.4rem; }
h2 { font-size: 1.8rem; margin-top: 36px; }
h3 { font-size: 1.25rem; margin-top: 24px; }

p { margin: 0 0 16px; line-height: 1.7; }

ul, ol { padding-left: 22px; line-height: 1.7; }
li { margin-bottom: 8px; }

img { max-width: 100%; height: auto; }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--teal-900); color: white; padding: 12px 18px; z-index: 1000;
}
.skip-link:focus { left: 0; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.container-narrow { max-width: 820px; margin: 0 auto; padding: 0 20px; }

/* Top bar */
.topbar {
  background: var(--teal-900);
  color: var(--white);
  padding: 8px 0;
  font-size: 0.88rem;
  text-align: center;
}
.topbar a { color: var(--coral); font-weight: 600; }
.topbar a:hover { color: var(--white); }

/* Site header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  font-family: Georgia, serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--teal-900);
  text-decoration: none;
  letter-spacing: -0.02em;
}
.brand:hover { color: var(--teal-700); text-decoration: none; }
.brand-accent { color: var(--coral); }

nav.main-nav { display: flex; gap: 24px; align-items: center; }
nav.main-nav a {
  color: var(--gray-700);
  font-weight: 600;
  font-size: 0.95rem;
}
nav.main-nav a:hover { color: var(--teal-900); text-decoration: none; }
nav.main-nav .nav-cta {
  background: var(--coral);
  color: white;
  padding: 10px 18px;
  border-radius: 6px;
  font-weight: 700;
}
nav.main-nav .nav-cta:hover { background: var(--coral-dark); color: white; }

@media (max-width: 720px) {
  nav.main-nav { gap: 12px; }
  nav.main-nav a:not(.nav-cta) { display: none; }
}

/* Breadcrumbs */
.breadcrumbs {
  background: var(--gray-50);
  padding: 10px 0;
  font-size: 0.88rem;
  border-bottom: 1px solid var(--gray-200);
}
.breadcrumbs a { color: var(--teal-700); font-weight: 500; }
.breadcrumbs span[aria-hidden] { color: var(--gray-500); margin: 0 8px; }

/* Hero */
.hero {
  background: linear-gradient(180deg, #f0fdfa 0%, #ffffff 100%);
  padding: 56px 0 40px;
}
.hero h1 { font-size: 2.6rem; }
.hero .lead {
  font-size: 1.2rem;
  color: var(--gray-700);
  max-width: 740px;
  margin: 16px 0 24px;
}
.hero-eyebrow {
  display: inline-block;
  background: var(--white);
  border: 1px solid var(--teal-100);
  color: var(--teal-700);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}

/* Buttons */
.btn {
  display: inline-block;
  background: var(--coral);
  color: white;
  padding: 12px 24px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.05s ease;
}
.btn:hover { background: var(--coral-dark); color: white; text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn-large { padding: 16px 30px; font-size: 1.1rem; }
.btn-secondary {
  background: white;
  color: var(--teal-700);
  border: 2px solid var(--teal-700);
}
.btn-secondary:hover { background: var(--teal-700); color: white; }
.btn-block { display: block; width: 100%; text-align: center; }

/* Sections */
section { padding: 56px 0; }
section.section-alt { background: var(--gray-50); }
section.section-dark { background: var(--teal-900); color: white; }
section.section-dark h2, section.section-dark h3 { color: white; }
section.section-dark a { color: var(--coral); }

/* Cards & grids */
.card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin: 24px 0;
}
@media (min-width: 720px) { .card-grid.cols-2 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 720px) { .card-grid.cols-3 { grid-template-columns: 1fr 1fr 1fr; } }
@media (min-width: 1024px) { .card-grid.cols-4 { grid-template-columns: 1fr 1fr 1fr 1fr; } }

.card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 24px;
  box-shadow: var(--shadow);
  transition: box-shadow 0.15s ease, transform 0.05s ease;
}
.card:hover { box-shadow: var(--shadow-lg); }
.card h3 { margin-top: 0; }
.card.card-link { cursor: pointer; }
.card.card-link a { color: var(--gray-900); font-weight: 600; text-decoration: none; }
.card.card-link a:hover { color: var(--teal-700); }

/* Check list */
.check-list { list-style: none; padding: 0; margin: 16px 0; }
.check-list li {
  position: relative;
  padding: 4px 0 4px 30px;
  margin-bottom: 8px;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 4px;
  width: 22px;
  height: 22px;
  background: var(--green);
  color: white;
  border-radius: 50%;
  text-align: center;
  font-weight: 700;
  font-size: 0.8rem;
  line-height: 22px;
}

/* Stats */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 24px;
  text-align: center;
  margin: 24px 0;
}
.stat .stat-number {
  display: block;
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--teal-700);
  font-family: Georgia, serif;
}
.stat .stat-label {
  font-size: 0.95rem;
  color: var(--gray-700);
}

/* Tables */
table.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  background: white;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
table.data-table th, table.data-table td {
  padding: 12px 14px;
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}
table.data-table th {
  background: var(--teal-900);
  color: white;
  font-weight: 700;
}
table.data-table tr:nth-child(even) td { background: var(--gray-50); }

/* FAQ */
.faq { max-width: 820px; margin: 0 auto; }
.faq details {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 16px 20px;
  margin-bottom: 12px;
}
.faq summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--gray-900);
  list-style: none;
  position: relative;
  padding-right: 30px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  color: var(--coral);
  font-weight: 700;
}
.faq details[open] summary::after { content: "−"; }
.faq details p { margin: 12px 0 0; color: var(--gray-700); }

/* State grid (homepage and state index) */
.state-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
  margin: 24px 0;
}
.state-link {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 14px 18px;
  font-weight: 600;
  color: var(--teal-700);
  text-decoration: none;
  text-align: center;
  transition: all 0.15s;
}
.state-link:hover {
  background: var(--teal-700);
  color: white;
  border-color: var(--teal-700);
  text-decoration: none;
  transform: translateY(-2px);
}

/* TOC */
.toc {
  background: var(--gray-50);
  border-left: 4px solid var(--teal-700);
  padding: 18px 24px;
  margin: 32px 0;
  border-radius: 0 8px 8px 0;
}
.toc h2 {
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gray-500);
  margin: 0 0 10px;
  border: none;
  font-family: -apple-system, sans-serif;
}
.toc ol { margin: 0; padding-left: 22px; }
.toc li { margin-bottom: 4px; font-size: 0.95rem; }

/* CTA box */
.cta-box {
  background: linear-gradient(135deg, var(--teal-900), var(--teal-700));
  color: white;
  padding: 40px;
  border-radius: 12px;
  text-align: center;
  margin: 40px 0;
}
.cta-box h2 { color: white; margin-top: 0; border: none; }
.cta-box p { font-size: 1.1rem; max-width: 600px; margin: 0 auto 20px; }

/* Calculator */
.calc-form {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow);
  max-width: 600px;
  margin: 0 auto 28px;
}
.calc-form .field { margin-bottom: 18px; }
.calc-form label {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--gray-700);
}
.calc-form input[type="number"], .calc-form input[type="range"] {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-300);
  border-radius: 6px;
  font-size: 1rem;
}
.calc-form input[type="range"] { padding: 0; }
.calc-results {
  background: linear-gradient(135deg, var(--teal-900), var(--teal-700));
  color: white;
  padding: 28px;
  border-radius: 12px;
  margin-top: 20px;
}
.calc-results h3 { color: white; margin-top: 0; }
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.calc-result-row:last-child { border-bottom: none; }
.calc-result-label { font-size: 0.95rem; color: rgba(255,255,255,0.9); }
.calc-result-value { font-size: 1.4rem; font-weight: 700; font-family: Georgia, serif; }

/* Apply form */
.apply-form {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 32px;
  box-shadow: var(--shadow-lg);
  max-width: 540px;
  margin: 0 auto;
}
.apply-form .form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
@media (min-width: 540px) { .apply-form .form-row.cols-2 { grid-template-columns: 1fr 1fr; } }
.apply-form input, .apply-form select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-300);
  border-radius: 6px;
  font-size: 1rem;
}
.apply-form .fineprint {
  font-size: 0.82rem;
  color: var(--gray-500);
  margin-top: 14px;
}
.apply-success {
  background: var(--teal-100);
  border: 1px solid var(--teal-500);
  color: var(--teal-900);
  padding: 24px;
  border-radius: 8px;
  text-align: center;
  font-weight: 600;
}

/* Author box */
.author-box {
  display: flex;
  gap: 16px;
  align-items: center;
  background: var(--gray-50);
  padding: 18px;
  border-radius: 10px;
  margin: 32px 0;
}
.author-box .avatar {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--teal-700);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}
.author-box strong { color: var(--gray-900); }
.author-box p { margin: 2px 0 0; font-size: 0.9rem; color: var(--gray-700); }

/* Footer */
footer.site-footer {
  background: var(--gray-900);
  color: var(--gray-300);
  padding: 40px 0 24px;
  margin-top: 60px;
}
footer.site-footer h4 { color: white; font-size: 0.95rem; text-transform: uppercase; letter-spacing: 0.05em; font-family: -apple-system, sans-serif; }
footer.site-footer a { color: var(--gray-300); }
footer.site-footer a:hover { color: white; }
.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px;
  margin-bottom: 32px;
}
.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid var(--gray-700);
  font-size: 0.85rem;
  text-align: center;
  color: var(--gray-500);
}

/* Blog */
.post-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 22px;
  padding: 24px 0;
}
@media (min-width: 720px) { .post-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .post-grid { grid-template-columns: 1fr 1fr 1fr; } }
.post-card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 22px;
  box-shadow: var(--shadow);
  transition: transform 0.15s, box-shadow 0.15s;
}
.post-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.post-card h3 { margin-top: 0; font-size: 1.1rem; }
.post-card h3 a { color: var(--gray-900); }
.post-card h3 a:hover { color: var(--teal-700); }
.post-card .post-meta { font-size: 0.82rem; color: var(--gray-500); margin-top: 12px; }
.post-tag {
  display: inline-block;
  background: var(--teal-100);
  color: var(--teal-700);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 10px;
}

blockquote {
  border-left: 4px solid var(--coral);
  padding: 12px 18px;
  background: var(--gray-50);
  margin: 20px 0;
  font-style: italic;
  color: var(--gray-700);
  border-radius: 0 8px 8px 0;
}

/* Helpers */
.text-center { text-align: center; }
.mt-3 { margin-top: 24px; }
.mb-3 { margin-bottom: 24px; }
.muted { color: var(--gray-500); font-size: 0.9rem; }
.hidden { display: none; }