/* 
   Debt Free Solutions - Global Design System Stylesheet
   Created with HSL tokens for a calm, professional, trustworthy financial education aesthetic.
*/

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Plus+Jakarta+Sans:wght@300;400;500;600;700&display=swap');

:root {
    /* Color Tokens */
    --color-bg-base: #0b0f19;
    --color-bg-surface: #131a2c;
    --color-bg-surface-elevated: #1e293b;
    --color-border: rgba(255, 255, 255, 0.08);
    --color-border-hover: rgba(255, 255, 255, 0.15);
    
    /* Text Tokens */
    --color-text-primary: #f8fafc;
    --color-text-secondary: #94a3b8;
    --color-text-muted: #64748b;
    
    /* Brand Accents */
    --color-accent-indigo: #6366f1;
    --color-accent-indigo-hover: #4f46e5;
    --color-accent-emerald: #10b981; /* Wellness & positive growth accent */
    --color-accent-emerald-muted: rgba(16, 185, 129, 0.1);
    --color-accent-indigo-muted: rgba(99, 102, 241, 0.1);
    
    /* Font Families */
    --font-display: 'Outfit', sans-serif;
    --font-body: 'Plus Jakarta Sans', sans-serif;
    
    /* Animation & Transitions */
    --transition-smooth: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    --border-radius-sm: 8px;
    --border-radius-md: 12px;
    --border-radius-lg: 20px;
    --max-width-content: 1200px;
}

/* Global Reset & Base Styling */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    background-color: var(--color-bg-base);
    color: var(--color-text-primary);
    font-family: var(--font-body);
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    overflow-x: hidden;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

/* Scrollbar Customization */
::-webkit-scrollbar {
    width: 8px;
}
::-webkit-scrollbar-track {
    background: var(--color-bg-base);
}
::-webkit-scrollbar-thumb {
    background: var(--color-bg-surface-elevated);
    border-radius: var(--border-radius-sm);
}
::-webkit-scrollbar-thumb:hover {
    background: var(--color-text-muted);
}

/* Helper Utilities */
.container {
    width: 100%;
    max-width: var(--max-width-content);
    margin: 0 auto;
    padding: 0 2rem;
}

.text-center { text-align: center; }
.text-emerald { color: var(--color-accent-emerald); }
.text-indigo { color: var(--color-accent-indigo); }
.text-secondary { color: var(--color-text-secondary); }

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -0.02em;
    color: #ffffff;
}

h1 { font-size: clamp(2.5rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.8rem, 4vw, 2.25rem); margin-bottom: 1rem; }
h3 { font-size: 1.4rem; margin-bottom: 0.75rem; }

p {
    color: var(--color-text-secondary);
    margin-bottom: 1.5rem;
}

/* Shared Header Navigation */
header {
    background-color: rgba(11, 15, 25, 0.8);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--color-border);
    position: sticky;
    top: 0;
    z-index: 100;
    width: 100%;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 5rem;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
}

.logo-icon {
    width: 2.25rem;
    height: 2.25rem;
    background: linear-gradient(135deg, var(--color-accent-indigo) 0%, var(--color-accent-emerald) 100%);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 15px rgba(99, 102, 241, 0.2);
}

.logo-icon svg {
    width: 1.1rem;
    height: 1.1rem;
    fill: #ffffff;
}

.logo-text {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.25rem;
    letter-spacing: -0.02em;
    background: linear-gradient(to right, #ffffff, #e2e8f0);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

/* Desktop Navigation */
nav.desktop-nav {
    display: none;
    align-items: center;
    gap: 2.25rem; /* Expanded link gap for spacious aesthetics */
    flex-grow: 1; /* Stretch container to take full header space */
    justify-content: flex-start; /* Align menu links starting from left */
    margin-left: 3rem; /* Spacing from the logo */
}

nav.desktop-nav a {
    color: var(--color-text-secondary);
    text-decoration: none;
    font-size: 0.95rem;
    font-weight: 500;
    transition: var(--transition-smooth);
}

nav.desktop-nav a:hover, nav.desktop-nav a.active {
    color: #ffffff;
}

.nav-cta {
    background: var(--color-accent-indigo-muted);
    color: var(--color-accent-indigo) !important;
    border: 1px solid rgba(99, 102, 241, 0.2);
    padding: 0.5rem 1rem;
    border-radius: var(--border-radius-sm);
    transition: var(--transition-smooth);
    margin-left: auto; /* Push the Request Guidance CTA button to the far right */
}

.nav-cta:hover {
    background: var(--color-accent-indigo) !important;
    color: #ffffff !important;
    box-shadow: 0 4px 15px rgba(99, 102, 241, 0.2);
}

/* Mobile Hamburger Menu */
.hamburger {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    z-index: 110;
    padding: 0.5rem;
}

.hamburger span {
    width: 25px;
    height: 2px;
    background-color: var(--color-text-primary);
    transition: var(--transition-smooth);
}

/* Mobile Menu Tray Overlay */
.mobile-nav-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background-color: var(--color-bg-base);
    z-index: 95;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 2rem;
    transform: translateY(-100%);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.mobile-nav-overlay.active {
    transform: translateY(0);
}

.mobile-nav-overlay a {
    color: var(--color-text-secondary);
    text-decoration: none;
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 600;
    transition: var(--transition-smooth);
}

.mobile-nav-overlay a:hover, .mobile-nav-overlay a.active {
    color: #ffffff;
}

/* Hero Section Base */
.hero {
    position: relative;
    padding: 6rem 0 4rem;
    overflow: hidden;
    text-align: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--color-border);
    padding: 0.4rem 0.9rem;
    border-radius: 100px;
    margin-bottom: 1.5rem;
}

.hero-badge-dot {
    width: 6px;
    height: 6px;
    background-color: var(--color-accent-emerald);
    border-radius: 50%;
    box-shadow: 0 0 10px var(--color-accent-emerald);
}

.hero-badge-text {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-text-secondary);
    letter-spacing: 0.03em;
    text-transform: uppercase;
}

.hero p.lead {
    font-size: clamp(1.1rem, 2.5vw, 1.25rem);
    color: var(--color-text-secondary);
    max-width: 800px;
    margin: 1.5rem auto 2.5rem;
    font-weight: 400;
}

.hero-ctas {
    display: flex;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 0.95rem;
    padding: 0.75rem 1.75rem;
    border-radius: var(--border-radius-sm);
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.btn-primary {
    background: var(--color-accent-indigo);
    color: #ffffff;
    border: 1px solid var(--color-accent-indigo);
}

.btn-primary:hover {
    background: var(--color-accent-indigo-hover);
    border-color: var(--color-accent-indigo-hover);
    transform: translateY(-2px);
    box-shadow: 0 4px 20px rgba(99, 102, 241, 0.35);
}

.btn-secondary {
    background: rgba(255, 255, 255, 0.03);
    color: var(--color-text-primary);
    border: 1px solid var(--color-border);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.06);
    border-color: var(--color-border-hover);
    transform: translateY(-2px);
}

/* Cards & Content Layout */
.grid-3 {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    margin: 3rem 0;
}

.card {
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 2.25rem;
    transition: var(--transition-smooth);
    position: relative;
    overflow: hidden;
}

.card:hover {
    transform: translateY(-4px);
    border-color: var(--color-border-hover);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.card-icon {
    width: 3rem;
    height: 3rem;
    background: var(--color-accent-indigo-muted);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.card-icon svg {
    width: 1.5rem;
    height: 1.5rem;
    fill: var(--color-accent-indigo);
}

.card-title {
    margin-bottom: 0.75rem;
}

.card-desc {
    font-size: 0.95rem;
    color: var(--color-text-secondary);
    line-height: 1.5;
}

.card-link {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    color: var(--color-accent-indigo);
    text-decoration: none;
    font-weight: 600;
    font-size: 0.9rem;
    margin-top: 1.5rem;
    transition: var(--transition-smooth);
}

.card-link:hover {
    color: #ffffff;
    gap: 0.5rem;
}

/* Content Page Layouts (Split sections) */
.section-split {
    display: grid;
    grid-template-columns: 1fr;
    gap: 3rem;
    align-items: center;
    padding: 4rem 0;
}

.split-content {
    max-width: 600px;
}

.split-visual {
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-lg);
    padding: 2.5rem;
    min-height: 300px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    position: relative;
}

/* FAQ Accordion Styling */
.faq-container {
    max-width: 800px;
    margin: 3rem auto;
}

.faq-item {
    border-bottom: 1px solid var(--color-border);
    padding: 1.5rem 0;
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 600;
    color: #ffffff;
    background: none;
    border: none;
    width: 100%;
    text-align: left;
}

.faq-icon-cross {
    font-size: 1.5rem;
    color: var(--color-text-muted);
    transition: var(--transition-smooth);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0, 1, 0, 1);
    color: var(--color-text-secondary);
    padding-top: 0;
}

.faq-item.active .faq-icon-cross {
    transform: rotate(45deg);
    color: var(--color-accent-indigo);
}

.faq-item.active .faq-answer {
    max-height: 1000px;
    padding-top: 1rem;
    transition: max-height 0.5s ease-in-out;
}

/* Interactive Calculator Container */
.calc-card {
    background-color: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-lg);
    padding: 2.5rem;
    width: 100%;
    box-shadow: 0 15px 40px rgba(0,0,0,0.3);
}

.calc-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
}

.calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.calc-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.calc-group label {
    font-size: 0.9rem;
    font-weight: 600;
    color: #ffffff;
}

.calc-group input, .calc-group select {
    background: rgba(15, 23, 42, 0.6);
    border: 1px solid var(--color-border);
    padding: 0.85rem 1rem;
    border-radius: var(--border-radius-sm);
    color: #ffffff;
    font-family: var(--font-body);
    font-size: 0.95rem;
    outline: none;
    transition: var(--transition-smooth);
}

.calc-group input:focus, .calc-group select:focus {
    border-color: var(--color-accent-indigo);
    box-shadow: 0 0 10px rgba(99, 102, 241, 0.15);
}

.calc-results {
    background: rgba(255, 255, 255, 0.02);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 2rem;
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    justify-content: center;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid var(--color-border);
    padding-bottom: 0.75rem;
}

.result-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.result-label {
    font-size: 0.9rem;
    color: var(--color-text-secondary);
}

.result-value {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    color: #ffffff;
}

.result-value.highlight {
    color: var(--color-accent-emerald);
}

.calc-disclaimer {
    font-size: 0.75rem;
    color: var(--color-text-muted);
    line-height: 1.4;
    margin-top: 1rem;
}

/* Contact Form Styling */
.contact-container {
    max-width: 650px;
    margin: 3rem auto;
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-lg);
    padding: 3rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    margin-bottom: 1.5rem;
}

.form-group label {
    font-size: 0.9rem;
    font-weight: 600;
    color: #ffffff;
}

.form-group input, .form-group textarea {
    background: rgba(15, 23, 42, 0.6);
    border: 1px solid var(--color-border);
    padding: 0.85rem 1rem;
    border-radius: var(--border-radius-sm);
    color: #ffffff;
    font-family: var(--font-body);
    font-size: 0.95rem;
    outline: none;
    transition: var(--transition-smooth);
}

.form-group textarea {
    min-height: 150px;
    resize: vertical;
}

.form-group input:focus, .form-group textarea:focus {
    border-color: var(--color-accent-indigo);
    box-shadow: 0 0 10px rgba(99, 102, 241, 0.15);
}

/* Compliance Content Styling */
.compliance-container {
    max-width: 800px;
    margin: 4rem auto;
    padding: 0 1rem;
}

.compliance-container h1 {
    margin-bottom: 2rem;
    border-bottom: 1px solid var(--color-border);
    padding-bottom: 1rem;
}

.compliance-container h2 {
    font-size: 1.5rem;
    margin-top: 2.5rem;
    margin-bottom: 1rem;
}

.compliance-container p, .compliance-container ul {
    margin-bottom: 1.5rem;
    font-size: 1rem;
    color: var(--color-text-secondary);
}

.compliance-container ul {
    padding-left: 1.5rem;
}

.compliance-container li {
    margin-bottom: 0.5rem;
}

/* Footer Styling */
footer {
    background-color: #070a11;
    border-top: 1px solid var(--color-border);
    padding: 4rem 0 2.5rem;
    margin-top: auto;
    width: 100%;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-brand {
    max-width: 320px;
}

.footer-brand .logo {
    margin-bottom: 1rem;
}

.footer-brand p {
    font-size: 0.85rem;
    color: var(--color-text-secondary);
    line-height: 1.5;
}

.footer-links-col h4 {
    font-family: var(--font-display);
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: #ffffff;
    margin-bottom: 1.25rem;
}

.footer-links-col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-links-col a {
    color: var(--color-text-secondary);
    text-decoration: none;
    font-size: 0.9rem;
    transition: var(--transition-smooth);
}

.footer-links-col a:hover {
    color: #ffffff;
    padding-left: 4px;
}

.footer-bottom {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    border-top: 1px solid var(--color-border);
    padding-top: 2rem;
    align-items: center;
}

.footer-bottom-text {
    font-size: 0.8rem;
    color: var(--color-text-muted);
    text-align: center;
    line-height: 1.5;
}

.footer-legal-links {
    display: flex;
    gap: 1.5rem;
    flex-wrap: wrap;
    justify-content: center;
}

.footer-legal-links a {
    font-size: 0.8rem;
    color: var(--color-text-secondary);
    text-decoration: none;
    transition: var(--transition-smooth);
}

.footer-legal-links a:hover {
    color: #ffffff;
}

/* Media Queries for Grids & Headers */
@media (min-width: 640px) {
    .calc-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (min-width: 768px) {
    nav.desktop-nav {
        display: flex;
    }
    .hamburger {
        display: none;
    }
    .grid-3 {
        grid-template-columns: repeat(3, 1fr);
    }
    .section-split {
        grid-template-columns: 1.2fr 1fr;
    }
    .footer-grid {
        grid-template-columns: 1.5fr repeat(3, 1fr);
    }
    .footer-bottom {
        flex-direction: row;
        justify-content: space-between;
    }
}

/* ==========================================================================
   Logo Giant Scaling & Cropping (Crops empty transparent margins)
   ========================================================================== */
header .logo {
    display: flex !important;
    align-items: center !important;
    height: 5rem !important;
    overflow: hidden !important;
    text-decoration: none !important;
}

header .logo img {
    height: 11.5rem !important; /* Visual height filling header */
    width: auto !important;
    object-fit: contain !important;
    margin: -3.85rem 0 !important; /* Center & crop empty margins */
    transition: var(--transition-smooth);
}

.footer-brand .logo img:hover {
    transform: scale(1.03);
}

/* ==========================================================================
   Phase 3 - Cornerstone Article Layout & Components
   ========================================================================== */

#reading-progress {
    position: fixed;
    top: 5rem;
    left: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--color-accent-indigo) 0%, var(--color-accent-emerald) 100%);
    width: 0%;
    z-index: 99;
    transition: width 0.1s ease-out;
}

.breadcrumbs {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    flex-wrap: wrap;
    margin-bottom: 2rem;
    font-size: 0.85rem;
    color: var(--color-text-secondary);
    font-family: var(--font-display);
}

.breadcrumbs a {
    color: var(--color-text-secondary);
    text-decoration: none;
    transition: var(--transition-smooth);
}

.breadcrumbs a:hover {
    color: #ffffff;
}

.breadcrumbs span.separator {
    color: var(--color-text-muted);
}

.breadcrumbs span.current {
    color: #ffffff;
    font-weight: 500;
}

.article-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: 3rem;
    padding: 3rem 0 5rem;
    align-items: start;
}

@media (min-width: 1024px) {
    .article-layout {
        grid-template-columns: 280px 1fr;
    }
}

.toc-sidebar {
    position: sticky;
    top: 7rem;
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 1.75rem;
    display: none;
}

@media (min-width: 1024px) {
    .toc-sidebar {
        display: block;
    }
}

.toc-title {
    font-family: var(--font-display);
    font-size: 0.95rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: #ffffff;
    margin-bottom: 1.25rem;
    border-bottom: 1px solid var(--color-border);
    padding-bottom: 0.75rem;
    font-weight: 700;
}

.toc-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.toc-link {
    color: var(--color-text-secondary);
    text-decoration: none;
    font-size: 0.9rem;
    font-weight: 500;
    transition: var(--transition-smooth);
    display: block;
    line-height: 1.4;
}

.toc-link:hover, .toc-link.active {
    color: #ffffff;
    padding-left: 4px;
}

.toc-link.active {
    border-left: 2px solid var(--color-accent-indigo);
    padding-left: 8px;
    color: #ffffff;
}

.article-body {
    max-width: 720px;
    font-size: 1.05rem;
    line-height: 1.75;
    color: var(--color-text-secondary);
    font-family: var(--font-body);
}

.article-body p {
    margin-bottom: 1.75rem;
}

.article-body h1 {
    font-size: clamp(2.2rem, 4vw, 3rem);
    margin-bottom: 1.5rem;
    line-height: 1.15;
}

.article-body h2 {
    font-size: 1.85rem;
    margin-top: 3.25rem;
    margin-bottom: 1.25rem;
    border-bottom: 1px solid var(--color-border);
    padding-bottom: 0.5rem;
    scroll-margin-top: 7.5rem;
    color: #ffffff;
}

.article-body h3 {
    font-size: 1.35rem;
    margin-top: 2.25rem;
    margin-bottom: 0.85rem;
    scroll-margin-top: 7.5rem;
    color: #ffffff;
}

.article-body ul, .article-body ol {
    margin-bottom: 1.75rem;
    padding-left: 1.75rem;
}

.article-body li {
    margin-bottom: 0.75rem;
}

.article-body a {
    color: var(--color-accent-indigo);
    text-decoration: none;
    font-weight: 500;
    border-bottom: 1px dashed rgba(99, 102, 241, 0.4);
    transition: var(--transition-smooth);
}

.article-body a:hover {
    color: #ffffff;
    border-bottom-color: #ffffff;
}

/* Callout Blocks (HSL Theme Optimized) */
.callout {
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 1.75rem;
    margin: 2.25rem 0;
    position: relative;
    overflow: hidden;
    display: flex;
    gap: 1.25rem;
}

.callout-icon {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 2.5rem;
    height: 2.5rem;
    border-radius: 8px;
    font-size: 1.2rem;
}

.callout-content {
    flex-grow: 1;
}

.callout-title {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.05rem;
    color: #ffffff;
    margin-bottom: 0.5rem;
}

.callout-desc {
    font-size: 0.95rem;
    color: var(--color-text-secondary);
    margin-bottom: 0;
    line-height: 1.6;
}

/* Warning Callout: Predatory Debt Settlement and Scams */
.callout-warning {
    border-left: 4px solid #ef4444;
    background: rgba(239, 68, 68, 0.02);
    border-color: rgba(239, 68, 68, 0.12) rgba(239, 68, 68, 0.12) rgba(239, 68, 68, 0.12) #ef4444;
}

.callout-warning .callout-icon {
    background: rgba(239, 68, 68, 0.1);
    color: #ef4444;
}

/* Tip Callout: Practical action steps & phone scripts */
.callout-tip {
    border-left: 4px solid var(--color-accent-emerald);
    background: rgba(16, 185, 129, 0.02);
    border-color: rgba(16, 185, 129, 0.12) rgba(16, 185, 129, 0.12) rgba(16, 185, 129, 0.12) var(--color-accent-emerald);
}

.callout-tip .callout-icon {
    background: rgba(16, 185, 129, 0.1);
    color: var(--color-accent-emerald);
}

/* Note Callout: Legal rights & statutory compliance facts */
.callout-note {
    border-left: 4px solid var(--color-accent-indigo);
    background: rgba(99, 102, 241, 0.02);
    border-color: rgba(99, 102, 241, 0.12) rgba(99, 102, 241, 0.12) rgba(99, 102, 241, 0.12) var(--color-accent-indigo);
}

.callout-note .callout-icon {
    background: rgba(99, 102, 241, 0.1);
    color: var(--color-accent-indigo);
}

/* Editorial Compliance Panel (YMYL Trust Elements) */
.editorial-panel {
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 2rem;
    margin-top: 4rem;
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

@media (min-width: 640px) {
    .editorial-panel {
        flex-direction: row;
        align-items: center;
    }
}

.editorial-avatar {
    width: 4.5rem;
    height: 4.5rem;
    border-radius: 50%;
    border: 2px solid var(--color-accent-indigo);
    object-fit: cover;
    flex-shrink: 0;
    background: var(--color-bg-surface-elevated);
}

.editorial-meta {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.editorial-badge-container {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.editorial-badge {
    font-size: 0.7rem;
    font-weight: 600;
    padding: 0.25rem 0.75rem;
    border-radius: 100px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.badge-verified {
    background: rgba(16, 185, 129, 0.1);
    color: var(--color-accent-emerald);
    border: 1px solid rgba(16, 185, 129, 0.2);
}

.badge-education {
    background: rgba(99, 102, 241, 0.1);
    color: var(--color-accent-indigo);
    border: 1px solid rgba(99, 102, 241, 0.2);
}

.editorial-reviewer {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.15rem;
    color: #ffffff;
}

.editorial-reviewer span {
    font-size: 0.85rem;
    font-weight: 400;
    color: var(--color-text-secondary);
    margin-left: 0.5rem;
}

.editorial-description {
    font-size: 0.95rem;
    color: var(--color-text-secondary);
    line-height: 1.5;
    margin-bottom: 0;
}

/* Citations & Reference Section */
.sources-section {
    border-top: 1px solid var(--color-border);
    padding-top: 2rem;
    margin-top: 3.5rem;
}

.sources-title {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.sources-list {
    list-style: none;
    padding-left: 0;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.sources-list li {
    font-size: 0.9rem;
    color: var(--color-text-secondary);
    display: flex;
    gap: 0.50rem;
    line-height: 1.5;
}

.sources-list li span.source-num {
    color: var(--color-accent-indigo);
    font-weight: 600;
    flex-shrink: 0;
}

.sources-list a:hover {
    color: #ffffff;
    border-bottom-color: #ffffff;
}

/* ==========================================================================
   Live Telephonic Assistance & Contact Form Lead Capture Styles (Phase 3.5)
   ========================================================================== */

/* Article Inline Telephonic Cards */
.telephonic-assistance-card {
    background: linear-gradient(135deg, rgba(30, 41, 59, 0.4) 0%, rgba(15, 23, 42, 0.6) 100%);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-lg);
    padding: 2rem;
    margin: 3rem 0;
    position: relative;
    overflow: hidden;
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.25);
    transition: var(--transition-smooth);
}

.telephonic-assistance-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(to bottom, var(--color-accent-indigo) 0%, var(--color-accent-emerald) 100%);
}

.telephonic-assistance-card.tac-unsecured::before {
    background: linear-gradient(to bottom, var(--color-accent-indigo) 0%, var(--color-accent-emerald) 100%);
}

.telephonic-assistance-card.tac-tax::before {
    background: linear-gradient(to bottom, #f59e0b 0%, #d97706 100%); /* Warm Amber for Tax */
}

.telephonic-assistance-card.tac-student::before {
    background: linear-gradient(to bottom, #3b82f6 0%, #1d4ed8 100%); /* Ocean Blue for Student Loans */
}

.telephonic-assistance-card:hover {
    border-color: rgba(255, 255, 255, 0.15);
    transform: translateY(-2px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.3);
}

.tac-badge {
    position: absolute;
    top: 1.25rem;
    right: 1.5rem;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: #ffffff;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 0.35rem 0.85rem;
    border-radius: 50px;
}

.tac-header {
    display: flex;
    align-items: center;
    gap: 1.25rem;
    margin-bottom: 1.5rem;
}

.tac-icon {
    width: 3.5rem;
    height: 3.5rem;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    flex-shrink: 0;
}

.tac-unsecured .tac-icon {
    color: var(--color-accent-emerald);
    background: rgba(16, 185, 129, 0.1);
    border-color: rgba(16, 185, 129, 0.2);
}

.tac-tax .tac-icon {
    color: #f59e0b;
    background: rgba(245, 158, 11, 0.1);
    border-color: rgba(245, 158, 11, 0.2);
}

.tac-student .tac-icon {
    color: #3b82f6;
    background: rgba(59, 130, 246, 0.1);
    border-color: rgba(59, 130, 246, 0.2);
}

.tac-title-group {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.tac-title {
    font-size: 1.4rem;
    margin-bottom: 0 !important;
    font-family: var(--font-display);
    color: #ffffff;
}

.tac-subtitle {
    font-size: 0.85rem;
    color: var(--color-text-secondary);
    margin-bottom: 0 !important;
}

.tac-body {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.tac-phone-box {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    background: rgba(0, 0, 0, 0.2);
    border-radius: var(--border-radius-md);
    padding: 1.25rem;
    border: 1px solid rgba(255, 255, 255, 0.03);
}

@media (min-width: 768px) {
    .tac-phone-box {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
    }
}

.tac-phone-link {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 800;
    color: #ffffff;
    text-decoration: none;
    letter-spacing: -0.01em;
    display: inline-flex;
    align-items: center;
    transition: var(--transition-smooth);
}

.tac-unsecured .tac-phone-link:hover { color: var(--color-accent-emerald); }
.tac-tax .tac-phone-link:hover { color: #f59e0b; }
.tac-student .tac-phone-link:hover { color: #3b82f6; }

.tac-hours {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    font-weight: 500;
}

.tac-disclaimer {
    font-size: 0.85rem !important;
    line-height: 1.6 !important;
    color: var(--color-text-muted) !important;
    margin-bottom: 0 !important;
    border-left: 2px solid rgba(255, 255, 255, 0.05);
    padding-left: 0.75rem;
}

/* Contact Page Hotlines Grid */
.contact-hotlines-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
    margin-bottom: 3.5rem;
}

@media (min-width: 768px) {
    .contact-hotlines-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.hotline-card {
    background: var(--color-bg-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
    position: relative;
    transition: var(--transition-smooth);
}

.hotline-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: transparent;
    border-radius: 0 0 var(--border-radius-md) var(--border-radius-md);
    transition: var(--transition-smooth);
}

.hotline-card.hc-unsecured::after { background: var(--color-accent-emerald); }
.hotline-card.hc-tax::after { background: #f59e0b; }
.hotline-card.hc-student::after { background: #3b82f6; }

.hotline-card:hover {
    border-color: rgba(255, 255, 255, 0.15);
    transform: translateY(-2px);
}

.hotline-card.active-highlight {
    border-color: rgba(255, 255, 255, 0.3);
    box-shadow: 0 0 25px rgba(99, 102, 241, 0.25);
    background: var(--color-bg-surface-elevated);
    animation: activeGlowPulse 2s infinite alternate;
}

@keyframes activeGlowPulse {
    0% {
        box-shadow: 0 0 15px rgba(99, 102, 241, 0.15);
    }
    100% {
        box-shadow: 0 0 30px rgba(99, 102, 241, 0.35);
    }
}

.hc-badge {
    display: inline-flex;
    align-self: flex-start;
    font-size: 0.7rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 0.25rem 0.6rem;
    border-radius: 4px;
    margin-bottom: 1rem;
}

.hc-unsecured .hc-badge { color: var(--color-accent-emerald); background: rgba(16, 185, 129, 0.1); }
.hc-tax .hc-badge { color: #f59e0b; background: rgba(245, 158, 11, 0.1); }
.hc-student .hc-badge { color: #3b82f6; background: rgba(59, 130, 246, 0.1); }

.hc-title {
    font-size: 1.15rem;
    font-family: var(--font-display);
    color: #ffffff;
    margin-bottom: 0.5rem;
}

.hc-number {
    font-size: 1.5rem;
    font-weight: 800;
    font-family: var(--font-display);
    color: #ffffff;
    text-decoration: none;
    margin: 0.75rem 0 0.5rem;
    transition: var(--transition-smooth);
}

.hc-unsecured .hc-number:hover { color: var(--color-accent-emerald); }
.hc-tax .hc-number:hover { color: #f59e0b; }
.hc-student .hc-number:hover { color: #3b82f6; }

.hc-hours {
    font-size: 0.75rem;
    color: var(--color-text-muted);
}

/* Glassmorphic Success Modal Overlay */
.lead-modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(11, 15, 25, 0.85);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 2000;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.lead-modal-overlay.active {
    opacity: 1;
    pointer-events: auto;
}

.lead-success-modal {
    background: linear-gradient(135deg, rgba(30, 41, 59, 0.9) 0%, rgba(15, 23, 42, 0.95) 100%);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--border-radius-lg);
    padding: 3rem 2rem;
    width: 90%;
    max-width: 450px;
    text-align: center;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.5);
    transform: scale(0.9);
    transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.lead-modal-overlay.active .lead-success-modal {
    transform: scale(1);
}

/* Animated Checkmark */
.success-checkmark-box {
    width: 80px;
    height: 80px;
    margin: 0 auto 2rem;
}

.checkmark-circle {
    stroke-dasharray: 166;
    stroke-dashoffset: 166;
    stroke-width: 3;
    stroke-miterlimit: 10;
    stroke: var(--color-accent-emerald);
    fill: none;
    animation: strokeCircle 0.6s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}

.checkmark-check {
    transform-origin: 50% 50%;
    stroke-dasharray: 48;
    stroke-dashoffset: 48;
    stroke-width: 3;
    stroke: var(--color-accent-emerald);
    fill: none;
    animation: strokeCheck 0.3s cubic-bezier(0.65, 0, 0.45, 1) 0.6s forwards;
}

@keyframes strokeCircle {
    100% {
        stroke-dashoffset: 0;
    }
}

@keyframes strokeCheck {
    100% {
        stroke-dashoffset: 0;
    }
}

.lsm-title {
    font-size: 1.75rem;
    font-family: var(--font-display);
    color: #ffffff;
    margin-bottom: 1rem;
}

.lsm-desc {
    color: var(--color-text-secondary);
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 2rem;
}

.lsm-btn {
    width: 100%;
    justify-content: center;
    background: var(--color-accent-emerald);
    color: #ffffff;
    border: none;
    padding: 0.75rem 1.5rem;
    border-radius: var(--border-radius-sm);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.lsm-btn:hover {
    background: #059669;
    box-shadow: 0 4px 15px rgba(16, 185, 129, 0.3);
}

/* Form Dropdown Styling */
select.form-input {
    width: 100%;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid var(--color-border);
    color: #ffffff;
    border-radius: var(--border-radius-sm);
    padding: 0.75rem 1rem;
    font-size: 0.95rem;
    font-family: var(--font-body);
    outline: none;
    transition: var(--transition-smooth);
    appearance: none;
    -webkit-appearance: none;
    -moz-appearance: none;
    background-image: url("data:image/svg+xml;utf8,<svg fill='white' height='24' viewBox='0 0 24 24' width='24' xmlns='http://www.w3.org/2000/svg'><path d='M7 10l5 5 5-5z'/><path d='M0 0h24v24H0z' fill='none'/></svg>");
    background-repeat: no-repeat;
    background-position: right 0.75rem center;
    background-size: 1.25rem;
}

select.form-input:focus {
    border-color: var(--color-accent-indigo);
    background: rgba(255, 255, 255, 0.05);
    box-shadow: 0 0 0 3px rgba(99, 102, 241, 0.15);
}

select option {
    background: #131a2c;
    color: #ffffff;
}

/* ==========================================================================
   Phase 4: Interactive Financial Toolbox Hub Styles
   ========================================================================== */
.calc-tabs-wrapper {
    width: 100%;
    border-bottom: 1px solid var(--color-border);
    padding-bottom: 2px;
    margin-bottom: 2.5rem;
}

.calc-tabs {
    display: flex;
    gap: 0.5rem;
    overflow-x: auto;
    scrollbar-width: none; /* Hide scrollbar Firefox */
    -webkit-overflow-scrolling: touch;
}

.calc-tabs::-webkit-scrollbar {
    display: none; /* Hide scrollbar Chrome/Safari */
}

.calc-tab-btn {
    background: none;
    border: none;
    padding: 0.85rem 1.5rem;
    font-family: var(--font-display);
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--color-text-secondary);
    cursor: pointer;
    transition: var(--transition-smooth);
    border-bottom: 2px solid transparent;
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
}

.calc-tab-btn:hover {
    color: #ffffff;
    background: rgba(255, 255, 255, 0.02);
}

.calc-tab-btn.active {
    color: var(--color-accent-emerald);
    border-bottom-color: var(--color-accent-emerald);
    background: rgba(16, 185, 129, 0.04);
    border-radius: var(--border-radius-sm) var(--border-radius-sm) 0 0;
}

/* Tab Switcher Animation Trigger */
@keyframes calcFadeIn {
    from {
        opacity: 0;
        transform: translateY(12px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.calc-container {
    display: none;
}

.calc-container.active-panel {
    display: block !important;
    animation: calcFadeIn 0.35s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

/* Custom badge styling inside results */
.calc-badge {
    display: inline-flex;
    align-items: center;
    padding: 0.25rem 0.6rem;
    font-size: 0.78rem;
    font-weight: 700;
    border-radius: 4px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.badge-success {
    background: rgba(16, 185, 129, 0.1);
    color: var(--color-accent-emerald);
    border: 1px solid rgba(16, 185, 129, 0.2);
}

.badge-warning {
    background: rgba(245, 158, 11, 0.1);
    color: #f59e0b;
    border: 1px solid rgba(245, 158, 11, 0.2);
}

.badge-danger {
    background: rgba(239, 68, 68, 0.1);
    color: #ef4444;
    border: 1px solid rgba(239, 68, 68, 0.2);
}

/* ==========================================================================
   Header Dropdown & Mobile Group Styling (Phase 16)
   ========================================================================== */

/* Dropdown Menu Container */
.nav-dropdown {
    position: relative;
    display: inline-block;
}

.nav-dropdown-trigger {
    background: none;
    border: none;
    color: var(--color-text-secondary);
    font-size: 0.95rem;
    font-weight: 500;
    font-family: var(--font-body);
    cursor: pointer;
    transition: var(--transition-smooth);
    display: inline-flex;
    align-items: center;
    gap: 0.25rem;
    padding: 0;
}

.nav-dropdown-trigger:hover, 
.nav-dropdown-trigger:focus,
.nav-dropdown:hover .nav-dropdown-trigger {
    color: #ffffff;
    outline: none;
}

/* Dropdown Menu Box */
.nav-dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(10px);
    background-color: #131a2c;
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    box-shadow: 0 10px 35px rgba(0, 0, 0, 0.5);
    min-width: 180px;
    z-index: 1000;
    padding: 0.5rem 0;
    opacity: 0;
    transition: opacity 0.2s cubic-bezier(0.16, 1, 0.3, 1), transform 0.2s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Show dropdown menu on hover and focus inside */
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
    display: block;
    opacity: 1;
    transform: translateX(-50%) translateY(0);
}

.nav-dropdown-menu a {
    display: block;
    padding: 0.6rem 1.25rem;
    color: var(--color-text-secondary) !important;
    font-size: 0.9rem !important;
    font-weight: 500;
    text-decoration: none;
    transition: var(--transition-smooth);
    text-align: left;
}

.nav-dropdown-menu a:hover {
    background-color: rgba(99, 102, 241, 0.05);
    color: #ffffff !important;
}

/* Mobile Nav overlay header and groups */
.mobile-nav-group-title {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--color-text-muted);
    padding: 0.85rem 0 0.25rem 0;
    text-align: left;
    border-bottom: 1px solid rgba(255, 255, 255, 0.03);
    margin-bottom: 0.25rem;
}