/* =========================================================
   BudgetMonies — Homepage
   Deep teal + mint. Source Serif 4 display, Inter body.
   Matches /debt-payoff-calculator/ visual direction.
   ========================================================= */

:root {
  /* Color */
  --ink:        #0c1a1a;
  --ink-2:      #2e3f3f;
  --muted:      #5b6b6b;
  --line:       #d9e3e0;
  --line-2:     #c4d2cd;
  --surface:    #ffffff;
  --surface-2:  #f5f8f6;
  --surface-3:  #ebf1ee;

  --brand:      #0b3a3a;
  --brand-ink:  #082828;
  --brand-soft: #e3efea;

  --accent:     #1f8c5a;
  --accent-ink: #15663f;
  --mint:       #7fd5a8;

  --warn:       #b85c00;
  --danger:     #b3261e;

  /* Spacing */
  --container: 1180px;
  --radius:    14px;
  --radius-sm: 10px;
  --radius-lg: 20px;

  /* Type */
  --font-ui:      'Inter', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --font-display: 'Source Serif 4', Georgia, serif;

  --shadow-sm: 0 1px 2px rgba(11,58,58,.06), 0 1px 1px rgba(11,58,58,.04);
  --shadow:    0 8px 24px rgba(11,58,58,.08), 0 2px 6px rgba(11,58,58,.05);
  --shadow-lg: 0 24px 60px rgba(11,58,58,.14), 0 6px 18px rgba(11,58,58,.08);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
html, body { margin: 0; }
body {
  font-family: var(--font-ui);
  color: var(--ink);
  background: var(--surface-2);
  line-height: 1.55;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }

.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;
}

.wrap {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
@media (max-width: 640px) { .wrap { padding: 0 18px; } }

a { color: var(--accent-ink); text-decoration-color: rgba(31,140,90,.35); text-underline-offset: 3px; }
a:hover { color: var(--brand); }

/* Skip link */
.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--brand); color: #fff; padding: 10px 14px; z-index: 100;
  border-radius: 0 0 8px 0;
}
.skip:focus { left: 0; top: 0; }

/* ===================== HEADER ===================== */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50;
  backdrop-filter: saturate(140%) blur(8px);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 16px; padding-bottom: 16px;
  gap: 24px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--brand); }
.brand-mark { color: var(--brand); flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-display); font-weight: 600; font-size: 22px; letter-spacing: -0.01em; color: var(--brand-ink); }
.brand-sub  { font-size: 12px; color: var(--muted); letter-spacing: .02em; }

.site-nav { display: flex; align-items: center; gap: 6px; }
.site-nav a {
  color: var(--ink-2);
  text-decoration: none;
  font-weight: 500;
  font-size: 14.5px;
  padding: 8px 12px;
  border-radius: 8px;
}
.site-nav a:hover { background: var(--surface-3); color: var(--brand); }
.site-nav .nav-cta {
  background: var(--brand);
  color: #fff;
  margin-left: 6px;
}
.site-nav .nav-cta:hover { background: var(--brand-ink); color: #fff; }

@media (max-width: 820px) {
  .site-nav a:not(.nav-cta) { display: none; }
}
@media (max-width: 480px) {
  .brand-sub { display: none; }
}

/* ===================== HERO ===================== */
.hero {
  background:
    radial-gradient(1200px 420px at 85% -10%, rgba(31,140,90,.12), transparent 60%),
    radial-gradient(800px 300px at 0% 0%, rgba(127,213,168,.08), transparent 60%),
    linear-gradient(180deg, #fbfdfc 0%, var(--surface-2) 100%);
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid; grid-template-columns: 1.45fr .95fr; gap: 56px;
  padding: 80px 24px 72px;
  align-items: center;
}
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; padding: 56px 18px 48px; }
}
.eyebrow {
  display: inline-block;
  font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--accent-ink); background: var(--brand-soft);
  padding: 6px 12px; border-radius: 999px; margin: 0 0 20px;
}
.hero h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(34px, 4.8vw, 56px);
  line-height: 1.05; letter-spacing: -0.022em;
  margin: 0 0 18px;
  color: var(--brand-ink);
}
.hero h1 .ink { color: var(--accent-ink); font-style: italic; }
.lede { font-size: 18px; color: var(--ink-2); margin: 0 0 26px; max-width: 60ch; }

.hero-ctas {
  display: flex; flex-wrap: wrap; gap: 12px; margin: 0 0 26px;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 13px 22px;
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: 15px;
  border-radius: 10px;
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: transform .08s ease, background .15s ease, border-color .15s ease, color .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--brand);
  color: #fff;
}
.btn-primary:hover { background: var(--brand-ink); color: #fff; }
.btn-ghost {
  background: transparent;
  color: var(--brand-ink);
  border-color: var(--line-2);
}
.btn-ghost:hover { background: var(--surface); border-color: var(--brand); color: var(--brand); }

.hero-checks {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: 8px;
}
.hero-checks li {
  position: relative; padding-left: 28px; color: var(--ink-2);
  font-size: 15px;
}
.hero-checks li::before {
  content: ""; position: absolute; left: 0; top: 9px;
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--accent); box-shadow: inset 0 0 0 3px #fff;
}

.hero-stat {
  background: var(--brand);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.hero-stat::after {
  content: ""; position: absolute; inset: auto -40px -60px auto;
  width: 240px; height: 240px;
  background: radial-gradient(circle, rgba(127,213,168,.28), transparent 60%);
}
.stat-card { display: flex; flex-direction: column; gap: 10px; position: relative; z-index: 1; }
.stat-label { font-size: 12px; color: rgba(255,255,255,.75); letter-spacing: .14em; text-transform: uppercase; font-weight: 600; }
.stat-value {
  font-family: var(--font-display);
  font-size: 44px; font-weight: 600; letter-spacing: -0.02em;
  color: var(--mint);
  line-height: 1;
  margin-top: 2px;
}
.stat-foot { font-size: 14.5px; color: rgba(255,255,255,.88); margin-top: 8px; line-height: 1.5; }
.stat-link {
  display: inline-block;
  margin-top: 22px;
  color: var(--mint);
  font-weight: 600;
  text-decoration: none;
  font-size: 15px;
  position: relative; z-index: 1;
}
.stat-link:hover { color: #fff; }

/* ===================== SECTION GENERICS ===================== */
.band {
  padding: 84px 0;
  background: var(--surface);
  border-bottom: 1px solid var(--line);
}
.band.band-alt { background: var(--surface-2); }
.band.band-dark {
  background: linear-gradient(180deg, #0b3a3a 0%, #082828 100%);
  color: #e6efed;
  border-bottom: none;
}
@media (max-width: 700px) { .band { padding: 56px 0; } }

.band-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: end;
  margin-bottom: 44px;
}
@media (max-width: 820px) {
  .band-head { grid-template-columns: 1fr; gap: 12px; margin-bottom: 32px; }
}
.section-eyebrow {
  margin: 0 0 8px;
  font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--accent-ink);
}
.section-eyebrow.light { color: var(--mint); }
.band-head h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(28px, 3.3vw, 40px);
  line-height: 1.1;
  letter-spacing: -0.018em;
  margin: 0;
  color: var(--brand-ink);
  max-width: 22ch;
}
.band-head h2.light { color: #ffffff; }
.band-intro {
  margin: 0;
  font-size: 16.5px;
  color: var(--ink-2);
  max-width: 56ch;
  line-height: 1.6;
}
.band-intro.light { color: rgba(255,255,255,.82); }

/* ===================== TRUST ===================== */
.trust { padding: 64px 0 24px; background: var(--surface); }
.trust .section-eyebrow {
  text-align: center;
  margin-bottom: 22px;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
@media (max-width: 980px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .trust-grid { grid-template-columns: 1fr; } }
.trust-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 22px 20px;
}
.trust-ico {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--brand-soft);
  color: var(--accent-ink);
  display: grid; place-items: center;
  margin-bottom: 14px;
}
.trust-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 19px;
  color: var(--brand-ink);
  margin: 0 0 6px;
  letter-spacing: -0.005em;
}
.trust-card p {
  margin: 0;
  color: var(--ink-2);
  font-size: 14.5px;
  line-height: 1.55;
}

/* ===================== TOOLS ===================== */
.tool-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
@media (max-width: 960px) { .tool-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .tool-grid { grid-template-columns: 1fr; } }

.tool-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px 22px 22px;
  display: flex; flex-direction: column; gap: 8px;
  text-decoration: none;
  color: inherit;
  transition: border-color .15s ease, transform .12s ease, box-shadow .2s ease;
  position: relative;
}
.tool-card:hover {
  border-color: var(--line-2);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.tool-card.soon { opacity: .92; cursor: default; }
.tool-card.soon:hover { transform: none; box-shadow: var(--shadow-sm); border-color: var(--line); }

.tool-card.featured {
  background: linear-gradient(180deg, #ffffff 0%, #f3f9f5 100%);
  border-color: var(--accent);
  box-shadow: 0 6px 18px rgba(31,140,90,.12);
}
.tool-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
}
.tool-card.featured .tool-tag { color: var(--accent-ink); }
.tool-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  color: var(--brand-ink);
  margin: 4px 0 4px;
  letter-spacing: -0.012em;
}
.tool-card p {
  margin: 0;
  color: var(--ink-2);
  font-size: 14.5px;
  line-height: 1.55;
}
.tool-cta {
  display: inline-block;
  margin-top: auto;
  padding-top: 14px;
  font-weight: 600;
  color: var(--accent-ink);
  font-size: 14.5px;
}
.tool-card.soon .tool-cta { color: var(--muted); }
.tool-card.featured .tool-cta { color: var(--brand); }

/* ===================== HUSTLES ===================== */
.hustle-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
@media (max-width: 960px) { .hustle-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .hustle-grid { grid-template-columns: 1fr; } }

.hustle-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px 22px 22px;
  display: flex; flex-direction: column; gap: 8px;
}
.hustle-pill {
  align-self: flex-start;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent-ink);
  background: var(--brand-soft);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 4px;
}
.hustle-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  margin: 0 0 2px;
  color: var(--brand-ink);
  letter-spacing: -0.012em;
}
.hustle-card p {
  margin: 0 0 6px;
  color: var(--ink-2);
  font-size: 14.5px;
  line-height: 1.55;
}
.dot-list {
  list-style: none;
  padding: 0;
  margin: 6px 0 0;
  display: grid;
  gap: 6px;
  font-size: 14px;
  color: var(--ink-2);
}
.dot-list li {
  position: relative;
  padding-left: 18px;
}
.dot-list li::before {
  content: "";
  position: absolute;
  left: 4px; top: 9px;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent);
}

.fine-print {
  margin: 32px auto 0;
  max-width: 78ch;
  text-align: center;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.6;
  font-style: italic;
}

/* ===================== SAVING ===================== */
.save-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
@media (max-width: 960px) { .save-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .save-grid { grid-template-columns: 1fr; } }

.save-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 22px 20px;
  position: relative;
  overflow: hidden;
}
.save-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--mint));
  opacity: .85;
}
.save-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 20px;
  margin: 6px 0 6px;
  color: var(--brand-ink);
  letter-spacing: -0.01em;
}
.save-card p {
  margin: 0;
  color: var(--ink-2);
  font-size: 14.5px;
  line-height: 1.55;
}

/* ===================== REVIEWS (dark band) ===================== */
.review-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
@media (max-width: 760px) { .review-grid { grid-template-columns: 1fr; } }

.review-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(127,213,168,.18);
  border-radius: var(--radius);
  padding: 24px 22px 22px;
  display: flex; flex-direction: column; gap: 8px;
  color: inherit;
  text-decoration: none;
  transition: transform .14s ease, border-color .16s ease, background .16s ease;
}
.review-card:hover {
  transform: translateY(-2px);
  background: rgba(255,255,255,.07);
  border-color: rgba(127,213,168,.45);
  color: inherit;
}
.review-cat {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--mint);
}
.review-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 21px;
  color: #ffffff;
  margin: 0;
  letter-spacing: -0.012em;
  line-height: 1.25;
}
.review-card p {
  margin: 0;
  color: rgba(255,255,255,.78);
  font-size: 14.5px;
  line-height: 1.6;
}
.review-meta {
  font-size: 12px;
  color: rgba(127,213,168,.85);
  letter-spacing: .08em;
  text-transform: uppercase;
  font-weight: 600;
  margin-top: 4px;
}
.disclosure {
  margin: 32px auto 0;
  max-width: 78ch;
  text-align: center;
  color: rgba(255,255,255,.62);
  font-size: 13.5px;
  line-height: 1.6;
}

/* ===================== ARTICLE / REVIEW PAGES ===================== */
.article-hero {
  background:
    radial-gradient(880px 360px at 82% 0%, rgba(127,213,168,.2), transparent 62%),
    radial-gradient(720px 320px at 8% 18%, rgba(31,140,90,.09), transparent 60%),
    linear-gradient(180deg, #fbfdfc 0%, var(--surface-2) 100%);
  border-bottom: 1px solid var(--line);
}
.article-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) 380px;
  gap: 44px;
  align-items: center;
  padding-top: 70px;
  padding-bottom: 58px;
}
.article-hero h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(38px, 5.4vw, 68px);
  line-height: .98;
  letter-spacing: -.035em;
  margin: 0 0 18px;
  color: var(--brand-ink);
  max-width: 880px;
}
.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
  margin-top: 22px;
}
.article-meta span {
  display: inline-flex;
  align-items: center;
  min-height: 30px;
  padding: 5px 10px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: rgba(255,255,255,.68);
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .03em;
}
.hero-pick-card {
  background: var(--brand);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-lg);
}
.pick-label {
  display: inline-flex;
  color: var(--mint);
  font-weight: 800;
  font-size: 11px;
  letter-spacing: .13em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.hero-pick-card h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 30px;
  line-height: 1.08;
  letter-spacing: -.02em;
  margin: 0 0 12px;
}
.hero-pick-card p {
  color: rgba(255,255,255,.82);
  margin: 0 0 22px;
  line-height: 1.62;
}
.hero-pick-card .btn-primary {
  background: var(--mint);
  color: var(--brand-ink);
}
.hero-pick-card .btn-primary:hover {
  background: #ffffff;
  color: var(--brand);
}
.article-body {
  padding: 46px 0 84px;
}
.article-layout {
  display: grid;
  grid-template-columns: 270px minmax(0, 1fr);
  gap: 28px;
  align-items: start;
}
.toc-card {
  position: sticky;
  top: 96px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: var(--shadow-sm);
}
.toc-card h2 {
  font-family: var(--font-ui);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--brand-ink);
  margin: 0 0 12px;
}
.toc-card ol {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 9px;
}
.toc-card a {
  color: var(--ink-2);
  text-decoration: none;
  font-weight: 700;
  font-size: 14px;
}
.toc-card a:hover {
  color: var(--accent-ink);
  text-decoration: underline;
}
.article-card {
  max-width: 900px;
}
.article-card > section {
  margin-top: 44px;
}
.article-card > section:first-child {
  margin-top: 0;
}
.article-card .affiliate-note {
  margin: 0 0 10px;
  padding: 16px 18px;
  border: 1px solid rgba(31,140,90,.26);
  border-left: 5px solid var(--accent);
  border-radius: var(--radius-sm);
  background: #f0f8f3;
  color: var(--ink-2);
  line-height: 1.65;
}
.quick-picks,
.app-review-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 20px;
}
.quick-pick,
.app-review {
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
}
.quick-pick h3,
.app-review h3 {
  margin-top: 10px;
}
.quick-pick p,
.app-review p {
  margin-bottom: 12px;
}
.rating-pill {
  display: inline-flex;
  align-items: center;
  min-height: 26px;
  border-radius: 999px;
  background: var(--brand-soft);
  color: var(--accent-ink);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 4px 10px;
}
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin-top: 18px;
  background: #fff;
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 860px;
  font-size: 14px;
}
.comparison-table th {
  background: var(--brand);
  color: #fff;
  text-align: left;
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 13px 14px;
}
.comparison-table td {
  padding: 14px;
  border-top: 1px solid var(--line);
  vertical-align: top;
  color: var(--ink-2);
}
.comparison-table tbody tr:nth-child(even) td {
  background: #f8fbf9;
}
.comparison-table td:first-child {
  color: var(--brand-ink);
}
.calculator-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  background:
    radial-gradient(500px 220px at 95% 0%, rgba(127,213,168,.22), transparent 60%),
    var(--brand);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: clamp(24px, 4vw, 34px);
}
.calculator-cta h2 {
  color: #fff;
  margin-top: 0;
}
.calculator-cta p {
  color: rgba(255,255,255,.82);
  margin-bottom: 0;
}
.calculator-cta .section-eyebrow {
  color: var(--mint);
}
.calculator-cta .btn-primary {
  background: var(--mint);
  color: var(--brand-ink);
  white-space: nowrap;
}
.calculator-cta .btn-primary:hover {
  background: #fff;
  color: var(--brand);
}
.source-note {
  border-top: 1px solid var(--line);
  padding-top: 28px;
}
.source-note h2 {
  font-size: 24px;
}
.source-note p {
  font-size: 14px;
}
.reviews-hub-card {
  max-width: none;
}
.reviews-hub-head {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, .72fr);
  gap: 28px;
  align-items: end;
  margin-bottom: 28px;
}
.reviews-hub-head h2 {
  max-width: 760px;
  margin-bottom: 0;
}
.reviews-hub-head p {
  margin: 0;
  color: var(--ink-2);
  line-height: 1.65;
}
.reviews-directory-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.directory-card {
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-height: 245px;
  padding: 24px 22px 22px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface-2);
  color: inherit;
  text-decoration: none;
  transition: transform .14s ease, border-color .16s ease, box-shadow .16s ease;
}
.directory-card:hover {
  transform: translateY(-2px);
  border-color: var(--accent);
  box-shadow: var(--shadow);
  color: inherit;
}
.directory-card.primary {
  background: linear-gradient(180deg, #ffffff 0%, #f0f8f3 100%);
  border-color: rgba(31,140,90,.42);
}
.directory-card h3 {
  font-family: var(--font-display);
  color: var(--brand-ink);
  font-size: 25px;
  line-height: 1.14;
  letter-spacing: -.018em;
  margin: 2px 0 4px;
}
.directory-card p {
  color: var(--ink-2);
  margin: 0;
  line-height: 1.6;
}
.directory-card .tool-cta {
  margin-top: auto;
}
.reviews-cta {
  margin-top: 34px;
}
@media (max-width: 820px) {
  .reviews-hub-head,
  .reviews-directory-grid {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 980px) {
  .article-hero-grid,
  .article-layout {
    grid-template-columns: 1fr;
  }
  .article-hero-grid {
    padding-top: 54px;
    padding-bottom: 44px;
  }
  .toc-card {
    position: static;
  }
  .toc-card ol {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}
@media (max-width: 700px) {
  .quick-picks,
  .app-review-grid,
  .calculator-cta {
    grid-template-columns: 1fr;
  }
  .toc-card ol {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .article-body {
    padding-bottom: 56px;
  }
}
@media (max-width: 460px) {
  .toc-card ol {
    grid-template-columns: 1fr;
  }
}

/* ===================== NEWSLETTER ===================== */
.newsletter {
  background:
    radial-gradient(700px 240px at 90% 10%, rgba(31,140,90,.10), transparent 60%),
    var(--surface-2);
  padding: 80px 0;
  border-bottom: 1px solid var(--line);
}
@media (max-width: 700px) { .newsletter { padding: 56px 0; } }
.newsletter-wrap {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 880px) {
  .newsletter-wrap { grid-template-columns: 1fr; gap: 28px; }
}
.newsletter-copy h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(28px, 3.2vw, 38px);
  line-height: 1.1;
  letter-spacing: -0.018em;
  margin: 0 0 12px;
  color: var(--brand-ink);
}
.newsletter-form {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 22px;
  box-shadow: var(--shadow);
}
.field-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.field-row input[type="email"] {
  flex: 1 1 240px;
  min-width: 0;
  padding: 13px 14px;
  border: 1px solid var(--line-2);
  border-radius: 10px;
  font: inherit;
  font-size: 15px;
  color: var(--ink);
  background: var(--surface-2);
}
.field-row input[type="email"]:focus {
  outline: none;
  border-color: var(--accent);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(31,140,90,.12);
}
.field-row button { flex: 0 0 auto; }
.form-foot {
  margin: 12px 0 0;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.5;
}
.form-foot.ok { color: var(--accent-ink); font-weight: 500; }
.form-foot.err { color: var(--danger); font-weight: 500; }

/* ===================== FOOTER ===================== */
.site-footer {
  background: #ffffff;
  color: var(--ink-2);
  border-top: 1px solid var(--line);
  padding: 56px 0 24px;
  font-size: 14px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: 40px;
  align-items: start;
}
@media (max-width: 820px) { .footer-grid { grid-template-columns: 1fr; gap: 28px; } }

.footer-brand .brand { margin-bottom: 12px; }
.footer-tag {
  margin: 0;
  color: var(--muted);
  max-width: 36ch;
  font-size: 14px;
  line-height: 1.55;
}

.footer-cols {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
@media (max-width: 640px) { .footer-cols { grid-template-columns: repeat(2, 1fr); gap: 22px; } }

.footer-cols h4 {
  font-family: var(--font-ui);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--brand-ink);
  margin: 0 0 12px;
}
.footer-cols ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-cols a {
  color: var(--ink-2);
  text-decoration: none;
}
.footer-cols a:hover { color: var(--brand); text-decoration: underline; }

.footer-base {
  margin-top: 36px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
  color: var(--muted);
  font-size: 13px;
}
.footer-family a { color: var(--accent-ink); }
.footer-family a:hover { color: var(--brand); }
.footer-base p { margin: 0; }

/* ============ Trust / legal pages ============ */
.page-hero {
  padding: 76px 0 34px;
  background:
    radial-gradient(circle at 80% 10%, rgba(127,213,168,.22), transparent 34%),
    linear-gradient(180deg, rgba(244,250,247,.88), rgba(255,255,255,1));
  border-bottom: 1px solid var(--line);
}
.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(42px, 6vw, 68px);
  line-height: .96;
  letter-spacing: -.04em;
  max-width: 820px;
  margin: 0;
}
.page-hero .lede {
  max-width: 760px;
}
.page-content {
  padding: 46px 0 74px;
}
.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 36px;
  align-items: start;
}
.content-card,
.side-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}
.content-card {
  padding: clamp(24px, 4vw, 44px);
}
.content-card h2 {
  font-family: var(--font-display);
  font-size: clamp(26px, 3vw, 36px);
  line-height: 1.04;
  letter-spacing: -.02em;
  margin: 34px 0 10px;
}
.content-card h2:first-child {
  margin-top: 0;
}
.content-card h3 {
  font-size: 18px;
  margin: 22px 0 8px;
}
.content-card p,
.content-card li {
  color: var(--ink-2);
  line-height: 1.72;
}
.content-card ul,
.content-card ol {
  padding-left: 22px;
}
.content-card a {
  color: var(--accent-ink);
  font-weight: 700;
}
.side-card {
  padding: 22px;
  position: sticky;
  top: 96px;
}
.side-card h3 {
  margin: 0 0 10px;
  font-size: 16px;
}
.side-card p {
  color: var(--muted);
  margin: 0 0 16px;
  font-size: 14px;
  line-height: 1.6;
}
.side-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}
.side-card a {
  color: var(--brand);
  font-weight: 700;
  text-decoration: none;
}
.side-card a:hover {
  color: var(--accent-ink);
  text-decoration: underline;
}
.contact-form {
  display: grid;
  gap: 14px;
  margin-top: 20px;
}
.form-row {
  display: grid;
  gap: 8px;
}
.form-row label {
  font-weight: 700;
  color: var(--brand-ink);
  font-size: 14px;
}
.form-row input,
.form-row textarea,
.form-row select {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 13px 14px;
  font: inherit;
  color: var(--ink);
  background: #fff;
  outline: none;
}
.form-row textarea {
  min-height: 160px;
  resize: vertical;
}
.form-row input:focus,
.form-row textarea:focus,
.form-row select:focus {
  border-color: rgba(31,140,90,.55);
  box-shadow: 0 0 0 4px rgba(127,213,168,.22);
}
.honeypot {
  position: absolute;
  left: -9999px;
  opacity: 0;
  height: 0;
  overflow: hidden;
}
.form-note {
  font-size: 13px;
  color: var(--muted);
}
.status-box {
  display: none;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  margin: 0 0 18px;
}
.status-box.success {
  display: block;
  border: 1px solid rgba(31,140,90,.32);
  background: var(--brand-soft);
  color: var(--accent-ink);
}
.status-box.error {
  display: block;
  border: 1px solid rgba(190,65,65,.28);
  background: #fff4f2;
  color: #8f2f28;
}
@media (max-width: 900px) {
  .content-grid {
    grid-template-columns: 1fr;
  }
  .side-card {
    position: static;
  }
}

/* ===================== FOCUS STATES ===================== */
:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 6px;
}
.btn:focus-visible { outline-offset: 3px; }

/* ===================== REDUCED MOTION ===================== */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}