/* ═══════════════════════════════════════════════════════════
   CashOutEstimator.com — Shared Stylesheet
   Used by all inner pages (states, blog, compare, glossary, quiz)
═══════════════════════════════════════════════════════════ */

/* ── RESET & VARIABLES ──────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue-dark:  #0d2b4e;
  --blue-mid:   #1a4a82;
  --blue-light: #2563eb;
  --green:      #16a34a;
  --green-lt:   #dcfce7;
  --amber:      #d97706;
  --amber-lt:   #fef3c7;
  --gray-50:    #f8fafc;
  --gray-100:   #f1f5f9;
  --gray-200:   #e2e8f0;
  --gray-300:   #cbd5e1;
  --gray-400:   #94a3b8;
  --gray-500:   #64748b;
  --gray-600:   #475569;
  --gray-700:   #334155;
  --gray-800:   #1e293b;
  --white:      #ffffff;
  --radius:     12px;
  --shadow:     0 4px 24px rgba(13,43,78,.10);
  --shadow-lg:  0 8px 40px rgba(13,43,78,.16);
  --max-w:      1100px;
  --content-w:  780px;
}

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  background: var(--gray-50);
  color: var(--gray-800);
  line-height: 1.6;
  font-size: 16px;
}

img { max-width: 100%; display: block; }
a { color: var(--blue-light); }

/* ── HEADER / NAV ───────────────────────────────────────── */
.site-header {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: var(--white);
  padding: 0 24px;
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 12px rgba(0,0,0,.3);
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
}

.site-logo {
  font-size: 1.2rem;
  font-weight: 900;
  letter-spacing: -.5px;
  text-decoration: none;
  color: var(--white);
  white-space: nowrap;
  flex-shrink: 0;
}
.site-logo span { color: #60a5fa; }

.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.site-nav a {
  color: rgba(255,255,255,.85);
  text-decoration: none;
  padding: 7px 12px;
  border-radius: 8px;
  font-size: .875rem;
  font-weight: 500;
  white-space: nowrap;
  transition: background .15s, color .15s;
}
.site-nav a:hover { background: rgba(255,255,255,.12); color: #fff; }
.site-nav .nav-cta {
  background: var(--green);
  color: #fff !important;
  font-weight: 700;
  padding: 7px 16px;
  margin-left: 6px;
}
.site-nav .nav-cta:hover { background: #15803d !important; }

/* Mobile hamburger */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  flex-direction: column;
  gap: 5px;
}
.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .25s, opacity .25s;
}
.menu-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 860px) {
  .menu-toggle { display: flex; }
  .site-nav {
    display: none;
    position: absolute;
    top: 60px;
    left: 0;
    right: 0;
    background: var(--blue-dark);
    flex-direction: column;
    align-items: stretch;
    padding: 12px;
    gap: 2px;
    border-top: 1px solid rgba(255,255,255,.1);
    box-shadow: 0 8px 24px rgba(0,0,0,.3);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 12px 16px; border-radius: 8px; font-size: 1rem; }
  .site-nav .nav-cta { text-align: center; margin-left: 0; margin-top: 8px; }
}

/* ── BREADCRUMB ─────────────────────────────────────────── */
.breadcrumb {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 10px 0;
}
.breadcrumb .container {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .82rem;
  color: var(--gray-500);
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--blue-light); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb .sep { color: var(--gray-300); }
.breadcrumb .current { color: var(--gray-700); font-weight: 600; }

/* ── LAYOUT ─────────────────────────────────────────────── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 20px; }
.container-sm { max-width: var(--content-w); margin: 0 auto; padding: 0 20px; }

section { padding: 52px 0; }
.section-white { background: var(--white); }
.section-gray  { background: var(--gray-50); }

/* ── SECTION HEADERS ────────────────────────────────────── */
.section-label {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--blue-light);
  margin-bottom: 10px;
}
.section-title {
  font-size: clamp(1.4rem, 3.5vw, 2rem);
  font-weight: 800;
  line-height: 1.25;
  color: var(--blue-dark);
  margin-bottom: 12px;
  letter-spacing: -.3px;
}
.section-sub { font-size: 1rem; color: var(--gray-600); max-width: 620px; }
.section-head { margin-bottom: 36px; }
.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto; }

/* ── PAGE HERO (inner pages) ────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: var(--white);
  padding: 52px 20px 44px;
  text-align: center;
}
.page-hero .hero-badge {
  display: inline-block;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 50px;
  padding: 4px 14px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.page-hero h1 {
  font-size: clamp(1.6rem, 4.5vw, 2.5rem);
  font-weight: 900;
  line-height: 1.2;
  letter-spacing: -.4px;
  margin-bottom: 14px;
}
.page-hero h1 em { color: #7dd3fc; font-style: normal; }
.page-hero p {
  font-size: 1.05rem;
  opacity: .88;
  max-width: 620px;
  margin: 0 auto 24px;
}
.page-hero .hero-meta {
  display: flex;
  justify-content: center;
  gap: 24px;
  font-size: .82rem;
  opacity: .75;
  flex-wrap: wrap;
}
.page-hero .hero-meta span::before { content: '✓ '; color: #4ade80; }

/* ── AD UNITS ───────────────────────────────────────────── */
.ad-unit {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 10px;
  text-align: center;
  margin: 20px auto;
  max-width: 970px;
}
.ad-label {
  font-size: .65rem;
  color: var(--gray-400);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 6px;
}

/* ── CARDS ──────────────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  padding: 28px;
  transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
@media (max-width: 840px) { .grid-2 { grid-template-columns: 1fr; } .grid-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 680px) { .grid-3 { grid-template-columns: 1fr; } .grid-4 { grid-template-columns: 1fr; } }

/* ── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: .95rem;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: opacity .2s, transform .15s, box-shadow .2s;
  white-space: nowrap;
}
.btn:hover { opacity: .9; transform: translateY(-1px); }
.btn-primary { background: var(--blue-light); color: #fff; box-shadow: 0 4px 16px rgba(37,99,235,.3); }
.btn-green   { background: var(--green); color: #fff; box-shadow: 0 4px 16px rgba(22,163,74,.3); }
.btn-outline { background: transparent; border: 2px solid var(--blue-light); color: var(--blue-light); }
.btn-sm { padding: 8px 18px; font-size: .85rem; }
.btn-block { display: block; width: 100%; text-align: center; }

/* ── TAGS ───────────────────────────────────────────────── */
.tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .3px;
}
.tag-blue   { background: #dbeafe; color: var(--blue-light); }
.tag-green  { background: var(--green-lt); color: var(--green); }
.tag-amber  { background: var(--amber-lt); color: var(--amber); }
.tag-gray   { background: var(--gray-100); color: var(--gray-600); }

/* ── CONTENT TYPOGRAPHY (blog, long-form) ───────────────── */
.prose { max-width: var(--content-w); }
.prose h2 {
  font-size: clamp(1.3rem, 3vw, 1.7rem);
  font-weight: 800;
  color: var(--blue-dark);
  margin: 36px 0 14px;
  letter-spacing: -.2px;
  line-height: 1.3;
}
.prose h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--blue-dark);
  margin: 28px 0 10px;
}
.prose p { color: var(--gray-700); margin-bottom: 16px; line-height: 1.8; font-size: .97rem; }
.prose ul, .prose ol { margin: 0 0 16px 22px; color: var(--gray-700); line-height: 1.9; font-size: .97rem; }
.prose li { margin-bottom: 4px; }
.prose strong { color: var(--gray-800); }
.prose a { color: var(--blue-light); }
.prose blockquote {
  border-left: 4px solid var(--blue-light);
  padding: 16px 20px;
  background: #eff6ff;
  border-radius: 0 8px 8px 0;
  margin: 20px 0;
  font-style: italic;
  color: var(--blue-dark);
  font-size: 1rem;
}
.prose .callout {
  background: var(--green-lt);
  border: 1px solid #86efac;
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 24px 0;
  font-size: .92rem;
  color: #14532d;
}
.prose .callout strong { color: var(--green); }
.prose .warning {
  background: var(--amber-lt);
  border: 1px solid #fcd34d;
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 24px 0;
  font-size: .92rem;
  color: #78350f;
}
.prose hr { border: none; border-top: 1px solid var(--gray-200); margin: 32px 0; }

/* ── POST META ──────────────────────────────────────────── */
.post-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: .82rem;
  color: var(--gray-500);
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.post-meta .dot { color: var(--gray-300); }

/* ── BLOG CARD ──────────────────────────────────────────── */
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow .2s, transform .2s;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}
.blog-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.blog-card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.blog-card-cat { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--blue-light); margin-bottom: 8px; }
.blog-card h3 { font-size: 1rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 8px; line-height: 1.4; }
.blog-card p  { font-size: .87rem; color: var(--gray-600); line-height: 1.6; flex: 1; margin-bottom: 14px; }
.blog-card-footer { display: flex; align-items: center; justify-content: space-between; font-size: .78rem; color: var(--gray-400); margin-top: auto; }
.blog-card-stripe { height: 4px; }

/* ── STAR RATING ────────────────────────────────────────── */
.stars { color: #f59e0b; font-size: 1rem; letter-spacing: 1px; }
.rating-row { display: flex; align-items: center; gap: 8px; margin-bottom: 4px; }
.rating-row .stars { font-size: .9rem; }
.rating-score { font-weight: 800; font-size: 1.1rem; color: var(--blue-dark); }
.rating-count { font-size: .8rem; color: var(--gray-400); }

/* ── COMPARISON TABLE ───────────────────────────────────── */
.compare-table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--gray-200); margin: 24px 0; }
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9rem;
  min-width: 560px;
}
.compare-table th {
  background: var(--blue-dark);
  color: #fff;
  padding: 12px 16px;
  text-align: left;
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: .3px;
}
.compare-table th:first-child { border-radius: var(--radius) 0 0 0; }
.compare-table th:last-child  { border-radius: 0 var(--radius) 0 0; }
.compare-table td { padding: 11px 16px; border-top: 1px solid var(--gray-100); font-weight: 500; vertical-align: middle; }
.compare-table tr:hover td { background: var(--gray-50); }
.compare-table .winner td { background: #eff6ff; }
.compare-table .check { color: var(--green); font-size: 1.1rem; }
.compare-table .cross { color: #ef4444; font-size: 1.1rem; }
.compare-table .partial { color: var(--amber); font-size: 1.1rem; }

/* ── PROS/CONS ──────────────────────────────────────────── */
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 20px 0; }
@media (max-width: 580px) { .pros-cons { grid-template-columns: 1fr; } }
.pros-box, .cons-box { border-radius: var(--radius); padding: 20px; }
.pros-box { background: var(--green-lt); border: 1px solid #86efac; }
.cons-box { background: #fef2f2; border: 1px solid #fca5a5; }
.pros-box h4 { color: #14532d; font-size: .85rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.cons-box h4 { color: #991b1b; font-size: .85rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.pros-box ul, .cons-box ul { list-style: none; padding: 0; }
.pros-box li, .cons-box li { font-size: .88rem; padding: 5px 0; display: flex; gap: 8px; align-items: flex-start; }
.pros-box li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }
.cons-box li::before { content: '✗'; color: #ef4444; font-weight: 700; flex-shrink: 0; }

/* ── GLOSSARY ───────────────────────────────────────────── */
.glossary-list { display: flex; flex-direction: column; gap: 0; }
.glossary-item {
  border-bottom: 1px solid var(--gray-200);
  padding: 28px 0;
}
.glossary-item:last-child { border-bottom: none; }
.glossary-term {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--blue-dark);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.glossary-term .abbr-tag {
  font-size: .75rem;
  background: var(--blue-dark);
  color: #fff;
  padding: 2px 8px;
  border-radius: 4px;
  font-weight: 600;
}
.glossary-def { font-size: .95rem; color: var(--gray-700); line-height: 1.8; margin-bottom: 10px; }
.glossary-example {
  background: var(--gray-100);
  border-left: 3px solid var(--blue-light);
  padding: 10px 14px;
  border-radius: 0 6px 6px 0;
  font-size: .87rem;
  color: var(--gray-600);
  font-style: italic;
  margin-top: 10px;
}
.glossary-alpha-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 20px 0;
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: 32px;
}
.glossary-alpha-nav a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  color: var(--gray-700);
  font-weight: 700;
  font-size: .85rem;
  text-decoration: none;
  transition: background .15s, border-color .15s, color .15s;
}
.glossary-alpha-nav a:hover { background: var(--blue-light); border-color: var(--blue-light); color: #fff; }

/* ── QUIZ ───────────────────────────────────────────────── */
.quiz-wrap {
  max-width: 680px;
  margin: 0 auto;
}
.quiz-card {
  background: var(--white);
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.quiz-card-header {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: #fff;
  padding: 24px 32px;
}
.quiz-card-header h2 { font-size: 1.2rem; font-weight: 800; margin-bottom: 4px; }
.quiz-card-header p { opacity: .85; font-size: .88rem; }
.quiz-progress-bar { height: 4px; background: rgba(255,255,255,.2); margin-top: 16px; border-radius: 2px; }
.quiz-progress-fill { height: 100%; background: #4ade80; border-radius: 2px; transition: width .4s; }
.quiz-body { padding: 32px; }
.quiz-question { font-size: 1.1rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 20px; line-height: 1.5; }
.quiz-step-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--gray-400); margin-bottom: 6px; }
.quiz-options { display: flex; flex-direction: column; gap: 10px; }
.quiz-option {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  cursor: pointer;
  transition: border-color .15s, background .15s;
  font-weight: 500;
  font-size: .95rem;
  color: var(--gray-700);
}
.quiz-option:hover { border-color: var(--blue-light); background: #eff6ff; color: var(--blue-dark); }
.quiz-option.selected { border-color: var(--blue-light); background: #eff6ff; color: var(--blue-dark); font-weight: 700; }
.quiz-option-icon { font-size: 1.3rem; flex-shrink: 0; }
.quiz-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 24px; }
.quiz-back { background: none; border: 2px solid var(--gray-200); border-radius: 50px; padding: 10px 22px; font-weight: 600; font-size: .9rem; cursor: pointer; color: var(--gray-600); transition: border-color .15s; }
.quiz-back:hover { border-color: var(--gray-400); }
.quiz-next { border: none; background: var(--blue-light); color: #fff; border-radius: 50px; padding: 11px 28px; font-weight: 700; font-size: .95rem; cursor: pointer; transition: opacity .2s; }
.quiz-next:hover { opacity: .88; }
.quiz-next:disabled { opacity: .4; cursor: not-allowed; }
.quiz-result { text-align: center; }
.quiz-result-icon { font-size: 3.5rem; margin-bottom: 16px; }
.quiz-result h3 { font-size: 1.4rem; font-weight: 900; color: var(--blue-dark); margin-bottom: 10px; }
.quiz-result p  { font-size: .95rem; color: var(--gray-600); margin-bottom: 20px; line-height: 1.7; }
.quiz-result-score {
  display: inline-block;
  padding: 8px 20px;
  border-radius: 50px;
  font-weight: 800;
  font-size: .9rem;
  margin-bottom: 20px;
}
.score-sell   { background: var(--green-lt); color: var(--green); }
.score-maybe  { background: var(--amber-lt); color: var(--amber); }
.score-keep   { background: #fee2e2; color: #dc2626; }

/* ── STATE HUB GRID ─────────────────────────────────────── */
.state-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 10px;
}
@media (max-width: 860px) { .state-grid { grid-template-columns: repeat(4,1fr); } }
@media (max-width: 640px) { .state-grid { grid-template-columns: repeat(3,1fr); } }
@media (max-width: 420px) { .state-grid { grid-template-columns: repeat(2,1fr); } }

.state-chip {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 14px 8px;
  text-decoration: none;
  transition: background .15s, border-color .15s, transform .15s;
  gap: 4px;
}
.state-chip:hover { background: var(--blue-dark); border-color: var(--blue-dark); transform: translateY(-2px); }
.state-chip:hover .state-chip-abbr { color: #7dd3fc; }
.state-chip:hover .state-chip-name { color: rgba(255,255,255,.85); }
.state-chip-abbr { font-size: 1.1rem; font-weight: 900; color: var(--blue-dark); }
.state-chip-name { font-size: .68rem; color: var(--gray-500); font-weight: 500; }

/* ── SIDEBAR LAYOUT ─────────────────────────────────────── */
.content-sidebar-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  align-items: start;
}
@media (max-width: 860px) { .content-sidebar-layout { grid-template-columns: 1fr; } }

.sidebar-sticky { position: sticky; top: 76px; display: flex; flex-direction: column; gap: 16px; }

.sidebar-widget {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
}
.sidebar-widget-header {
  background: var(--blue-dark);
  color: #fff;
  padding: 12px 18px;
  font-size: .8rem;
  font-weight: 800;
  letter-spacing: .5px;
  text-transform: uppercase;
}
.sidebar-widget-body { padding: 16px; }
.sidebar-widget-body .kv { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; border-bottom: 1px solid var(--gray-100); font-size: .87rem; }
.sidebar-widget-body .kv:last-child { border-bottom: none; }
.sidebar-widget-body .kv strong { color: var(--blue-dark); font-weight: 700; }

/* ── MINI CALCULATOR (state pages) ─────────────────────── */
.mini-calc {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  margin: 32px 0;
}
.mini-calc-header {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: #fff;
  padding: 18px 24px;
}
.mini-calc-header h3 { font-size: 1rem; font-weight: 800; margin-bottom: 2px; }
.mini-calc-header p  { font-size: .8rem; opacity: .8; }
.mini-calc-body { padding: 24px; }
.calc-row { display: flex; gap: 14px; margin-bottom: 14px; flex-wrap: wrap; }
.calc-field { flex: 1; min-width: 140px; }
.calc-field label { display: block; font-size: .78rem; font-weight: 700; color: var(--gray-600); margin-bottom: 6px; }
.calc-input-wrap { display: flex; align-items: center; border: 2px solid var(--gray-200); border-radius: 8px; overflow: hidden; transition: border-color .2s; }
.calc-input-wrap:focus-within { border-color: var(--blue-light); }
.calc-prefix, .calc-suffix { background: var(--gray-100); padding: 9px 12px; font-weight: 700; font-size: .9rem; color: var(--gray-600); white-space: nowrap; }
.calc-input-wrap input { border: none; outline: none; padding: 9px 12px; font-size: .95rem; font-weight: 600; width: 100%; background: transparent; }
.calc-result-row { display: flex; gap: 10px; margin-top: 14px; }
.calc-result-box { flex: 1; border-radius: 8px; padding: 14px; text-align: center; }
.calc-result-box.primary { background: linear-gradient(135deg, #eff6ff, #dbeafe); }
.calc-result-box.secondary { background: var(--green-lt); }
.calc-result-box .r-label { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--gray-500); margin-bottom: 4px; }
.calc-result-box .r-value { font-size: 1.3rem; font-weight: 900; color: var(--blue-dark); }
.calc-result-box.secondary .r-value { color: var(--green); }
.mini-rate-row { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.mini-rate-row label { font-size: .78rem; font-weight: 700; color: var(--gray-600); white-space: nowrap; }
.mini-rate-row input[type=range] { flex: 1; -webkit-appearance: none; height: 5px; border-radius: 3px; background: var(--gray-200); cursor: pointer; }
.mini-rate-row input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--blue-dark); border: 2px solid #fff; box-shadow: 0 1px 4px rgba(0,0,0,.2); }
.mini-rate-val { font-weight: 800; font-size: .95rem; color: var(--blue-light); min-width: 36px; text-align: right; }

/* ── INLINE CTA BANNER ──────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  border-radius: var(--radius);
  padding: 32px;
  text-align: center;
  color: #fff;
  margin: 32px 0;
}
.cta-banner h3 { font-size: 1.2rem; font-weight: 800; margin-bottom: 8px; }
.cta-banner p  { font-size: .9rem; opacity: .85; margin-bottom: 20px; }

/* ── FOOTER ─────────────────────────────────────────────── */
.site-footer {
  background: var(--blue-dark);
  color: rgba(255,255,255,.7);
  padding: 48px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 36px;
}
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { font-size: 1.1rem; font-weight: 900; color: #fff; margin-bottom: 10px; }
.footer-brand span { color: #60a5fa; }
.footer-desc { font-size: .82rem; line-height: 1.7; max-width: 280px; }
.footer-col h4 { color: #fff; font-size: .8rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul a { color: rgba(255,255,255,.65); text-decoration: none; font-size: .85rem; transition: color .15s; }
.footer-col ul a:hover { color: #fff; }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,.1); margin-bottom: 20px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .78rem;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom a { color: rgba(255,255,255,.5); text-decoration: none; }
.footer-bottom a:hover { color: #fff; }

/* ── DISCLAIMER ─────────────────────────────────────────── */
.disclaimer-bar {
  background: var(--amber-lt);
  border-top: 3px solid var(--amber);
  padding: 16px 20px;
  font-size: .8rem;
  color: #78350f;
  line-height: 1.7;
}

/* ── STAT HIGHLIGHT BOXES ───────────────────────────────── */
.stat-highlights { display: flex; gap: 16px; flex-wrap: wrap; margin: 24px 0; }
.stat-highlight {
  flex: 1;
  min-width: 130px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 18px;
  text-align: center;
}
.stat-highlight .big { font-size: 1.8rem; font-weight: 900; color: var(--blue-dark); }
.stat-highlight .sm  { font-size: .78rem; color: var(--gray-500); margin-top: 4px; }

/* ── UTILITIES ──────────────────────────────────────────── */
.divider { border: none; border-top: 1px solid var(--gray-200); margin: 28px 0; }
.mt-4  { margin-top: 4px; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-4  { margin-bottom: 4px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.fw-700 { font-weight: 700; }
.fw-800 { font-weight: 800; }
.text-muted { color: var(--gray-500); }
.text-green { color: var(--green); }
.text-blue  { color: var(--blue-light); }