/* =============================================
   SERVICE PAGE CSS — extends style.css
   Used by federal-employee-loans.html etc.
   ============================================= */

/* Breadcrumb */
.svc-breadcrumb{background:#fff;border-bottom:1px solid var(--border);padding:10px 0}
.svc-bc-inner{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--text-muted)}
.svc-bc-inner a{color:var(--text-muted);transition:color .15s}
.svc-bc-inner a:hover{color:var(--gold)}
.svc-bc-inner span:last-child{color:var(--navy);font-weight:500}

/* Hero */
.svc-hero{position:relative;overflow:hidden;min-height:400px;display:flex;flex-direction:column;justify-content:flex-end}
.svc-hero-bg{position:absolute;inset:0}
.svc-hero-img{width:100%;height:100%;object-fit:cover;object-position:center top}
.svc-hero-overlay{position:absolute;inset:0;background:linear-gradient(to right,rgba(7,21,38,.96) 50%,rgba(7,21,38,.6) 100%)}
.svc-hero-inner{position:relative;z-index:1;padding:60px 0;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:end}
.svc-hero-content{}
.svc-eyebrow{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#B8862A;margin-bottom:12px}
.svc-hero-title{font-family:'DM Serif Display',serif;font-size:2.5rem;color:#F6F2E9;line-height:1.2;margin-bottom:14px}
.svc-hero-desc{font-size:15px;color:#9BA8B5;line-height:1.75;margin-bottom:24px;max-width:580px}
.svc-hero-btns{display:flex;gap:12px;flex-wrap:wrap}
.svc-btn-ghost{font-size:14px;font-weight:600;color:#B8862A;text-decoration:none;border-bottom:1px solid rgba(184,134,42,.4);padding-bottom:2px;align-self:center;transition:color .18s}
.svc-btn-ghost:hover{color:#F6F2E9;border-color:rgba(246,242,233,.4)}
.svc-hero-stats{display:flex;align-items:center;gap:0;background:rgba(13,37,71,.7);border:1px solid rgba(184,134,42,.2);border-radius:12px;padding:16px 24px;backdrop-filter:blur(4px)}
.svc-stat{text-align:center;padding:0 20px}
.svc-stat-num{font-family:'DM Serif Display',serif;font-size:22px;color:#B8862A;display:block;line-height:1}
.svc-stat-lbl{font-size:10.5px;color:#9BA8B5;margin-top:4px}
.svc-stat-div{width:1px;height:36px;background:rgba(184,134,42,.2)}

/* Feature bar */
.svc-features-bar{background:var(--cream2);border-bottom:1px solid var(--border);padding:28px 0}
.svc-feat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.svc-feat-item{display:flex;align-items:center;gap:14px;padding:0 24px;border-right:1px solid var(--border)}
.svc-feat-item:last-child{border-right:none}
.svc-feat-icon{width:44px;height:44px;background:#fff;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 1px 6px rgba(7,21,38,.08)}
.svc-feat-title{font-size:13.5px;font-weight:700;color:var(--navy)}
.svc-feat-desc{font-size:11.5px;color:var(--text-muted)}

/* Split sections */
.svc-split-section{padding:72px 0;background:#fff}
.svc-qualify-section{padding:72px 0;background:var(--cream)}
.svc-split-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.svc-split-reverse{direction:rtl}
.svc-split-reverse>*{direction:ltr}
.svc-split-img-wrap{position:relative}
.svc-split-img{width:100%;border-radius:14px;object-fit:cover;height:380px}
.svc-img-badge{position:absolute;bottom:-18px;left:24px;background:var(--navy);border:2px solid var(--gold);border-radius:10px;padding:14px 20px;text-align:center}
.svc-badge-right{left:auto;right:24px}
.svc-badge-num{font-family:'DM Serif Display',serif;font-size:24px;color:#B8862A;line-height:1}
.svc-badge-lbl{font-size:10.5px;color:#9BA8B5;margin-top:2px}
.svc-split-body h2{font-family:'DM Serif Display',serif;font-size:1.9rem;color:var(--navy);margin:12px 0 16px}
.svc-split-body p{font-size:14px;color:var(--text-muted);line-height:1.8;margin-bottom:14px}
.svc-agency-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.svc-agency-tags span{background:var(--cream2);color:var(--text-muted);font-size:12px;font-weight:600;padding:5px 12px;border-radius:20px;border:1px solid var(--border)}

/* Checklist */
.svc-checklist{list-style:none;padding:0;display:flex;flex-direction:column;gap:10px;margin-top:16px}
.svc-checklist li{display:flex;align-items:center;gap:10px;font-size:13.5px;color:var(--text-body);line-height:1.5}
.svc-checklist li svg{flex-shrink:0}

/* Rates section */
.svc-rates-section{background:var(--cream2);padding:72px 0}
.svc-tier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:32px}
.svc-tier-card{background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:24px;text-align:center;transition:all .2s;position:relative}
.svc-tier-card:hover{border-color:var(--gold);box-shadow:0 4px 20px rgba(184,134,42,.12)}
.svc-tier-featured{background:var(--navy);border-color:var(--gold)}
.svc-tier-badge{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:#B8862A;color:#fff;font-size:10px;font-weight:700;padding:4px 14px;border-radius:20px;letter-spacing:.06em;white-space:nowrap}
.svc-tier-label{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#B8862A;margin-bottom:8px}
.svc-tier-amount{font-family:'DM Serif Display',serif;font-size:22px;color:var(--navy);margin-bottom:4px}
.svc-tier-featured .svc-tier-amount{color:#F6F2E9}
.svc-tier-term{font-size:12px;color:var(--text-muted);margin-bottom:10px}
.svc-tier-apr{font-size:15px;font-weight:700;color:#B8862A;margin-bottom:8px}
.svc-tier-use{font-size:12px;color:var(--text-muted)}
.svc-tier-featured .svc-tier-term,.svc-tier-featured .svc-tier-use{color:#9BA8B5}

/* Steps */
.svc-steps-section{background:var(--navy);padding:72px 0}
.svc-steps-section .section-header h2{color:#F6F2E9}
.svc-steps-section .section-header p{color:#9BA8B5}
.svc-steps-section .eyebrow{color:#B8862A}
.svc-steps-grid{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;gap:0;align-items:center;margin-top:40px}
.svc-step-card{background:#0D2547;border:1px solid rgba(184,134,42,.2);border-radius:12px;padding:24px 20px;text-align:center}
.svc-step-num{width:32px;height:32px;border-radius:50%;background:#B8862A;color:#fff;font-size:14px;font-weight:700;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.svc-step-icon{display:flex;justify-content:center;margin-bottom:12px}
.svc-step-card h4{font-size:14px;font-weight:700;color:#F6F2E9;margin-bottom:8px}
.svc-step-card p{font-size:12px;color:#9BA8B5;line-height:1.65}
.svc-step-arrow{font-size:22px;color:rgba(184,134,42,.4);text-align:center;padding:0 8px}

/* Use cases image grid */
.svc-uses-section{background:var(--cream);padding:72px 0}
.svc-uses-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.svc-use-card{display:block;position:relative;border-radius:12px;overflow:hidden;height:200px;text-decoration:none}
.svc-use-card:hover .svc-use-img{transform:scale(1.05)}
.svc-use-img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.svc-use-overlay{position:absolute;inset:0;background:linear-gradient(to top,rgba(7,21,38,.92) 35%,rgba(7,21,38,0) 65%)}
.svc-use-body{position:absolute;bottom:0;left:0;right:0;padding:16px 18px;z-index:1}
.svc-use-amount{font-size:10px;color:#B8862A;font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin-bottom:4px}
.svc-use-title{font-size:14px;font-weight:700;color:#F6F2E9}

/* Responsive */
@media(max-width:900px){
  .svc-hero-inner{grid-template-columns:1fr;gap:24px}
  .svc-hero-stats{flex-wrap:wrap;gap:14px;justify-content:center}
  .svc-split-grid{grid-template-columns:1fr}
  .svc-split-reverse{direction:ltr}
  .svc-feat-grid,.svc-tier-grid,.svc-uses-grid{grid-template-columns:repeat(2,1fr)}
  .svc-steps-grid{grid-template-columns:1fr 1fr;gap:12px}
  .svc-step-arrow{display:none}
  .svc-hero-title{font-size:1.9rem}
}
@media(max-width:600px){
  .svc-feat-grid,.svc-tier-grid,.svc-uses-grid,.svc-steps-grid{grid-template-columns:1fr}
}

/* Sector grid */
.svc-sector-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:16px}
.svc-sector{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-body)}

/* Compare strip */
.svc-compare-strip{display:flex;align-items:center;gap:20px;background:var(--cream2);border-radius:10px;padding:18px 22px;margin-top:20px}
.svc-compare-item{text-align:center;flex:1}
.svc-compare-label{font-size:11px;color:var(--text-muted);margin-bottom:5px;text-transform:uppercase;letter-spacing:.06em}
.svc-compare-val{font-size:22px;font-weight:700;color:var(--navy)}
.svc-compare-good .svc-compare-val{color:#B8862A}
.svc-compare-bad .svc-compare-val{color:#c0392b}
.svc-compare-vs{font-size:14px;color:var(--text-muted);font-weight:600}

/* Retiree type cards */
.svc-retiree-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:32px}
.svc-retiree-card{background:var(--cream2);border:1.5px solid var(--border);border-radius:12px;padding:24px 20px;text-align:center;transition:all .2s}
.svc-retiree-card:hover{border-color:var(--gold);box-shadow:0 4px 20px rgba(184,134,42,.1)}
.svc-retiree-icon{width:60px;height:60px;background:#fff;border-radius:14px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;box-shadow:0 2px 8px rgba(184,134,42,.12)}
.svc-retiree-card h3{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:8px}
.svc-retiree-card p{font-size:12px;color:var(--text-muted);line-height:1.65;margin-bottom:12px}
.svc-retiree-tag{display:inline-block;background:#fff;border:1px solid var(--border);color:#B8862A;font-size:10.5px;font-weight:600;padding:3px 10px;border-radius:20px}
@media(max-width:900px){.svc-retiree-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.svc-retiree-grid{grid-template-columns:1fr}}

/* Program comparison table */
.svc-prog-compare{display:grid;grid-template-columns:200px 1fr 1fr 1fr;border:1.5px solid var(--border);border-radius:12px;overflow:hidden;margin-top:32px}
.svc-prog-col{display:flex;flex-direction:column}
.svc-prog-col+.svc-prog-col{border-left:1px solid var(--border)}
.svc-prog-header .svc-prog-cell{background:var(--cream);font-weight:600;color:var(--text-muted);font-size:12px}
.svc-prog-active{background:rgba(184,134,42,.04)}
.svc-prog-cell{padding:13px 16px;font-size:13px;color:var(--slate);border-bottom:1px solid var(--border)}
.svc-prog-cell:last-child{border-bottom:none}
.svc-prog-label{font-size:12px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.06em}
.svc-prog-name{font-weight:700}
.svc-prog-badge{display:inline-block;background:var(--cream);color:var(--navy);font-size:11px;font-weight:700;padding:3px 10px;border-radius:20px;border:1px solid var(--border)}
.svc-prog-badge-gold{background:rgba(184,134,42,.15);color:#B8862A;border-color:rgba(184,134,42,.3)}
.svc-prog-val{font-weight:700;color:var(--navy)}
.svc-prog-strong{color:var(--navy);font-weight:600}
.svc-prog-tick{color:#B8862A;font-weight:700;font-size:12px}
@media(max-width:700px){.svc-prog-compare{grid-template-columns:1fr;border:none;gap:10px}.svc-prog-col{border:1.5px solid var(--border);border-radius:10px}.svc-prog-col+.svc-prog-col{border-left:1.5px solid var(--border)}}

/* 6-grid use cases */
.svc-uses-6-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
@media(max-width:900px){.svc-uses-6-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.svc-uses-6-grid{grid-template-columns:1fr}}

/* Why items */
.svc-why-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.svc-why-item{display:flex;gap:10px;align-items:flex-start;background:var(--cream2);border-radius:8px;padding:12px 14px}
.svc-why-icon{width:28px;height:28px;background:#fff;border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.svc-why-title{font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:2px}
.svc-why-desc{font-size:11.5px;color:var(--text-muted);line-height:1.5}

/* How It Works — Step 5 wide card */
.hiw-step5-card{background:#0D2547;border:1px solid rgba(184,134,42,.2);border-radius:12px;padding:28px 32px;margin-top:16px;display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.hiw-step5-card h4{font-size:16px;font-weight:700;color:#F6F2E9;margin-bottom:10px}
.hiw-step5-card p{font-size:13.5px;color:#9BA8B5;line-height:1.75}
.hiw-step5-left{}
.hiw-step5-checks{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hiw-check{display:flex;align-items:center;gap:8px;font-size:13px;color:#9BA8B5}
@media(max-width:700px){.hiw-step5-card{grid-template-columns:1fr}.hiw-step5-checks{grid-template-columns:1fr}}

/* Repayment method cards */
.hiw-repay-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:32px}
.hiw-repay-card{background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:24px;transition:all .2s}
.hiw-repay-card:hover{border-color:var(--gold);box-shadow:0 4px 20px rgba(184,134,42,.1)}
.hiw-repay-featured{background:var(--navy);border-color:rgba(184,134,42,.3)}
.hiw-repay-icon{width:52px;height:52px;background:var(--cream2);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.hiw-repay-featured .hiw-repay-icon{background:rgba(184,134,42,.15)}
.hiw-repay-label{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#B8862A;margin-bottom:4px}
.hiw-repay-who{font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:6px}
.hiw-repay-featured .hiw-repay-who{color:#F6F2E9}
.hiw-repay-method{display:inline-block;background:rgba(184,134,42,.12);color:#B8862A;font-size:11px;font-weight:600;padding:3px 10px;border-radius:20px;margin-bottom:12px}
.hiw-repay-desc{font-size:12.5px;color:var(--text-muted);line-height:1.7;margin-bottom:14px}
.hiw-repay-featured .hiw-repay-desc{color:#9BA8B5}
.hiw-repay-link{font-size:12.5px;color:#B8862A;font-weight:600;text-decoration:none;border-bottom:1px solid rgba(184,134,42,.3)}
@media(max-width:900px){.hiw-repay-grid{grid-template-columns:1fr}}

/* Calculator layout */
.hiw-calc-wrap{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:center}
.hiw-calc-body h2{font-family:'DM Serif Display',serif;font-size:1.9rem;color:var(--navy);margin:10px 0 14px}
.hiw-calc-body p{font-size:14px;color:var(--text-muted);line-height:1.75;margin-bottom:24px}
.hiw-calc-fields{display:flex;flex-direction:column;gap:20px}
.hiw-calc-field{}
.hiw-calc-label{display:flex;justify-content:space-between;font-size:13px;font-weight:500;color:var(--slate);margin-bottom:8px}
.hiw-calc-label span:last-child{color:#B8862A;font-weight:700}
.hiw-calc-range-labels{display:flex;justify-content:space-between;font-size:11px;color:var(--text-muted);margin-top:5px}
.hiw-calc-result-card{background:var(--navy);border-radius:14px;padding:26px;border:1px solid rgba(184,134,42,.2)}
.hiw-calc-result-label{font-size:11px;color:#9BA8B5;letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px}
.hiw-calc-result-num{font-family:'DM Serif Display',serif;font-size:40px;color:#B8862A;line-height:1;margin-bottom:6px}
.hiw-calc-result-sub{font-size:13px;color:#9BA8B5;margin-bottom:16px}
.hiw-calc-divider{height:1px;background:rgba(184,134,42,.15);margin-bottom:14px}
.hiw-calc-detail{display:flex;justify-content:space-between;font-size:12.5px;color:#9BA8B5;margin-bottom:7px}
.hiw-calc-detail span:last-child{color:#F6F2E9;font-weight:600}
.hiw-calc-note{font-size:11px;color:rgba(155,168,181,.6);line-height:1.6;margin-top:14px}
@media(max-width:900px){.hiw-calc-wrap{grid-template-columns:1fr}}

/* Eligibility Page */
.elg-prog-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:32px}
.elg-prog-card{background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:22px 18px;text-decoration:none;transition:all .2s;display:flex;flex-direction:column}
.elg-prog-card:hover{border-color:#B8862A;box-shadow:0 4px 20px rgba(184,134,42,.12);transform:translateY(-2px)}
.elg-prog-icon{width:48px;height:48px;background:var(--cream2);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.elg-prog-label{font-size:11px;font-weight:700;color:#B8862A;letter-spacing:.1em;text-transform:uppercase;margin-bottom:4px}
.elg-prog-who{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:8px}
.elg-prog-desc{font-size:12px;color:var(--text-muted);line-height:1.65;flex:1;margin-bottom:12px}
.elg-prog-max{display:inline-block;background:rgba(184,134,42,.1);color:#B8862A;font-size:11px;font-weight:700;padding:3px 10px;border-radius:20px;align-self:flex-start}

/* Agency grid */
.elg-agency-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:24px}
.elg-agency-item{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--border);border-radius:8px;padding:9px 12px;font-size:12.5px;color:var(--slate)}

/* States grid */
.elg-states-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:5px;margin-top:16px}
.elg-states-grid span{background:#fff;border:1px solid var(--border);border-radius:6px;padding:5px 10px;font-size:11.5px;color:var(--slate);text-align:center}
.elg-state-star{background:rgba(184,134,42,.08);border-color:rgba(184,134,42,.3);color:#B8862A;font-weight:600}

/* Eligibility check tool */
.elg-check-wrap{max-width:760px;margin:0 auto}
.elg-check-header{text-align:center;margin-bottom:32px}
.elg-check-form{background:rgba(255,255,255,.05);border:1px solid rgba(184,134,42,.2);border-radius:12px;padding:28px}
.elg-form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.elg-form-group{display:flex;flex-direction:column;gap:6px}
.elg-form-label{font-size:12px;font-weight:600;color:#9BA8B5;letter-spacing:.04em}
.elg-select{background:#0D2547;border:1.5px solid rgba(184,134,42,.2);border-radius:8px;padding:11px 14px;font-size:13.5px;color:#F6F2E9;cursor:pointer;width:100%}
.elg-select:focus{outline:none;border-color:#B8862A}
.elg-submit-btn{width:100%;background:#B8862A;color:#fff;border:none;border-radius:8px;padding:14px;font-size:14px;font-weight:600;cursor:pointer;margin-top:6px;transition:background .18s}
.elg-submit-btn:hover{background:#9a7020}
.elg-result{margin-top:14px;border-radius:8px;padding:14px 16px;font-size:13.5px;line-height:1.7}
.elg-result-ok{background:rgba(76,175,80,.15);border:1px solid rgba(76,175,80,.3);color:#81C784}
.elg-result-warn{background:rgba(184,134,42,.1);border:1px solid rgba(184,134,42,.3);color:#B8862A}
.elg-result a{color:#B8862A}

@media(max-width:900px){
  .elg-prog-grid{grid-template-columns:1fr 1fr}
  .elg-agency-grid{grid-template-columns:1fr 1fr}
  .elg-states-grid{grid-template-columns:repeat(3,1fr)}
  .elg-form-row{grid-template-columns:1fr}
}
@media(max-width:600px){
  .elg-prog-grid{grid-template-columns:1fr}
  .elg-states-grid{grid-template-columns:repeat(2,1fr)}
}

/* Financial Wellness Page */
.fw-topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.fw-topic-card{background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:22px 18px;text-decoration:none;display:flex;flex-direction:column;gap:6px;transition:all .2s}
.fw-topic-card:hover{border-color:#B8862A;box-shadow:0 4px 18px rgba(184,134,42,.12)}
.fw-topic-icon{width:44px;height:44px;background:var(--cream2);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:4px}
.fw-topic-num{font-size:11px;font-weight:700;color:#B8862A;letter-spacing:.1em}
.fw-topic-title{font-size:14px;font-weight:700;color:var(--navy)}
.fw-topic-desc{font-size:12px;color:var(--text-muted);line-height:1.55}

/* Guide header */
.fw-guide-header{display:flex;align-items:flex-start;gap:18px;margin-bottom:28px}
.fw-guide-num{font-size:42px;font-weight:700;color:rgba(184,134,42,.2);line-height:1;flex-shrink:0;font-family:'DM Serif Display',serif;margin-top:-4px}
.fw-guide-num-light{color:rgba(255,255,255,.15)}
.fw-subhead{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:12px}

/* Budgeting section */
.fw-budget-split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.fw-budget-table{border-radius:10px;overflow:hidden;border:1.5px solid var(--border)}
.fw-budget-row{display:grid;grid-template-columns:120px 70px 1fr;gap:0;font-size:12.5px}
.fw-budget-head{background:var(--navy);color:#9BA8B5;font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.fw-budget-head span,.fw-budget-row span{padding:10px 12px;border-right:1px solid rgba(255,255,255,.06);border-bottom:1px solid var(--border)}
.fw-budget-row:last-child span{border-bottom:none}
.fw-budget-needs{background:#EFF7F2}
.fw-budget-wants{background:var(--cream2)}
.fw-budget-save{background:#FFF8F0}
.fw-budget-pct{font-weight:700;color:var(--navy);text-align:center}
.fw-tips-list{display:flex;flex-direction:column;gap:14px}
.fw-tip{display:flex;gap:12px;align-items:flex-start;font-size:13px;color:var(--slate);line-height:1.7}
.fw-tip-icon{width:30px;height:30px;background:var(--cream2);border-radius:7px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}

/* Credit cards */
.fw-credit-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:16px 0}
.fw-credit-card{background:#fff;border:1.5px solid var(--border);border-radius:10px;padding:16px}
.fw-credit-pct{font-size:24px;font-weight:700;color:#B8862A;line-height:1;margin-bottom:4px}
.fw-credit-factor{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:6px}
.fw-credit-tip{font-size:11.5px;color:var(--text-muted);line-height:1.6}

/* Debt section */
.fw-debt-card{background:#0D2547;border:1px solid rgba(184,134,42,.2);border-radius:12px;padding:24px}
.fw-debt-badge{display:inline-block;font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;letter-spacing:.06em;margin-bottom:12px}
.fw-debt-badge-a{background:rgba(184,134,42,.2);color:#B8862A}
.fw-debt-badge-s{background:rgba(76,175,80,.15);color:#81C784}
.fw-debt-title{font-size:16px;font-weight:700;color:#F6F2E9;margin-bottom:8px}
.fw-debt-desc{font-size:13px;color:#9BA8B5;line-height:1.7;margin-bottom:12px}
.fw-debt-best{font-size:12px;color:#B8862A;background:rgba(184,134,42,.08);border-radius:6px;padding:8px 12px;margin-bottom:14px}
.fw-debt-example{display:flex;flex-direction:column;gap:7px;border-top:1px solid rgba(184,134,42,.15);padding-top:12px}
.fw-debt-ex-row{display:flex;justify-content:space-between;font-size:12px;color:#9BA8B5}
.fw-debt-arrow{color:#B8862A;font-weight:600}
.fw-consol-strip{background:rgba(184,134,42,.1);border:1px solid rgba(184,134,42,.25);border-radius:10px;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.fw-consol-label{font-size:11px;font-weight:700;color:#B8862A;text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px}
.fw-consol-desc{font-size:13px;color:#9BA8B5;line-height:1.65;max-width:560px}
.fw-consol-btn{background:#B8862A;color:#fff;font-size:13px;font-weight:600;padding:12px 22px;border-radius:7px;text-decoration:none;white-space:nowrap;flex-shrink:0;transition:background .18s}
.fw-consol-btn:hover{background:#9a7020;color:#fff}

/* External resources */
.fw-ext-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:32px}
.fw-ext-card{background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:22px 18px;text-decoration:none;transition:all .2s;display:flex;flex-direction:column}
.fw-ext-card:hover{border-color:#B8862A;box-shadow:0 4px 18px rgba(184,134,42,.1)}
.fw-ext-icon{width:44px;height:44px;background:var(--cream2);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.fw-ext-title{font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:6px}
.fw-ext-desc{font-size:12px;color:var(--text-muted);line-height:1.6;flex:1;margin-bottom:10px}
.fw-ext-url{font-size:11.5px;color:#B8862A;font-weight:600}

@media(max-width:900px){
  .fw-topic-grid,.fw-budget-split{grid-template-columns:1fr 1fr}
  .fw-ext-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .fw-topic-grid,.fw-credit-grid,.fw-ext-grid{grid-template-columns:1fr}
  .fw-budget-split{grid-template-columns:1fr}
}

/* FAQ Page */
.faq-cat-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.faq-cat-card{background:#fff;border:1.5px solid var(--border);border-radius:10px;padding:16px 14px;text-decoration:none;display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center;font-size:12.5px;font-weight:600;color:var(--navy);transition:all .2s}
.faq-cat-card:hover{border-color:#B8862A;color:#B8862A;box-shadow:0 3px 14px rgba(184,134,42,.1)}
.faq-cat-icon{width:38px;height:38px;background:var(--cream2);border-radius:8px;display:flex;align-items:center;justify-content:center}
.faq-section-head{display:flex;align-items:center;gap:14px;margin-bottom:20px;padding-bottom:14px;border-bottom:2px solid var(--cream2)}
.faq-section-num{font-size:32px;font-weight:700;color:rgba(184,134,42,.2);font-family:'DM Serif Display',serif;line-height:1;flex-shrink:0}
.faq-section-title{font-family:'DM Serif Display',serif;font-size:1.5rem;color:var(--navy)}

/* Blog Page */
.blog-featured{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:14px;overflow:hidden;border:1.5px solid var(--border);text-decoration:none;background:#fff;transition:box-shadow .2s}
.blog-featured:hover{box-shadow:0 6px 30px rgba(184,134,42,.12)}
.blog-feat-img-wrap{position:relative;height:100%;min-height:280px}
.blog-feat-img{width:100%;height:100%;object-fit:cover}
.blog-feat-badge{position:absolute;top:14px;left:14px;background:#B8862A;color:#fff;font-size:10px;font-weight:700;padding:4px 12px;border-radius:20px;letter-spacing:.06em}
.blog-feat-body{padding:32px 28px;display:flex;flex-direction:column}
.blog-feat-title{font-family:'DM Serif Display',serif;font-size:1.5rem;color:var(--navy);line-height:1.3;margin:10px 0 12px;flex:1}
.blog-feat-desc{font-size:13.5px;color:var(--text-muted);line-height:1.75;margin-bottom:12px}
.blog-feat-cta{font-size:13px;font-weight:700;color:#B8862A;border-bottom:1px solid rgba(184,134,42,.3);padding-bottom:2px;align-self:flex-start;margin-top:auto}
.bc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:32px}
.bc-grid-dark .bc-card{background:#0D2547;border-color:rgba(184,134,42,.2)}
.bc-grid-dark .bc-title{color:#F6F2E9}
.bc-grid-dark .bc-desc{color:#9BA8B5}
.bc-grid-dark .bc-meta{color:#4a6a8a}
.bc-card{background:#fff;border:1.5px solid var(--border);border-radius:10px;padding:20px 18px;text-decoration:none;display:flex;flex-direction:column;transition:all .2s}
.bc-card:hover{border-color:#B8862A;box-shadow:0 4px 18px rgba(184,134,42,.1)}
.bc-badge{display:inline-block;background:rgba(184,134,42,.12);color:#B8862A;font-size:10px;font-weight:700;padding:2px 9px;border-radius:3px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px;align-self:flex-start}
.bc-title{font-size:14px;font-weight:700;color:var(--navy);line-height:1.35;margin-bottom:8px;flex:1}
.bc-desc{font-size:12px;color:var(--text-muted);line-height:1.65;margin-bottom:10px}
.bc-meta{font-size:11px;color:#9BA8B5;margin-top:auto}

@media(max-width:900px){
  .faq-cat-grid{grid-template-columns:repeat(3,1fr)}
  .blog-featured{grid-template-columns:1fr}
  .bc-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .faq-cat-grid{grid-template-columns:1fr 1fr}
  .bc-grid{grid-template-columns:1fr}
}

/* Reviews Page */
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:32px}
.rev-card{background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:22px 20px;display:flex;flex-direction:column}
.rev-card-wide{grid-column:span 3;display:flex;flex-direction:row;gap:24px;align-items:flex-start}
.rev-card-wide .rev-text{flex:1}
.rev-stars{color:#B8862A;font-size:15px;margin-bottom:10px}
.rev-text{font-size:13.5px;color:var(--slate);line-height:1.75;font-style:italic;flex:1;margin-bottom:10px}
.rev-author{font-size:12.5px;font-weight:700;color:var(--navy);margin-top:auto}
.rev-source{font-size:11px;color:var(--text-muted);margin-top:3px}

/* Legal Pages */
.legal-wrap{max-width:760px;margin:0 auto}
.legal-intro{background:#fff;border:1.5px solid var(--border);border-radius:10px;padding:20px 24px;margin-bottom:24px;font-size:14px;color:var(--slate);line-height:1.8}
.legal-h2{font-size:1.05rem;font-weight:700;color:var(--navy);margin:28px 0 10px;padding-top:24px;border-top:1px solid var(--border)}
.legal-wrap .content-section:first-child .legal-h2{border-top:none;padding-top:0;margin-top:0}
.legal-h3{font-size:0.9rem;font-weight:600;color:var(--navy);margin:18px 0 8px}
.content-section{background:#fff;border-radius:10px;padding:22px 24px;margin-bottom:10px;border:1.5px solid var(--border)}
.content-section p,.content-section li{font-size:13.5px;color:var(--slate);line-height:1.8}

@media(max-width:900px){
  .rev-grid{grid-template-columns:1fr 1fr}
  .rev-card-wide{grid-column:span 2;flex-direction:column}
}
@media(max-width:600px){
  .rev-grid{grid-template-columns:1fr}
  .rev-card-wide{grid-column:span 1}
}

/* Blog Article Hero */
.art-hero{position:relative;min-height:320px;display:flex;align-items:flex-end;overflow:hidden}
.art-hero-bg{position:absolute;inset:0}
.art-hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 30%}
.svc-hero-overlay{position:absolute;inset:0;background:linear-gradient(to bottom,rgba(7,21,38,.55) 0%,rgba(7,21,38,.88) 100%)}
.art-hero-inner{position:relative;z-index:2;padding:48px 0 44px;max-width:820px}
.art-badge{display:inline-block;background:rgba(184,134,42,.2);border:1px solid rgba(184,134,42,.4);color:#B8862A;font-size:10.5px;font-weight:700;padding:4px 12px;border-radius:20px;letter-spacing:.07em;text-transform:uppercase;margin-bottom:14px}
.art-hero-title{font-family:'DM Serif Display',serif;font-size:clamp(24px,3.5vw,40px);color:#F6F2E9;line-height:1.2;margin-bottom:12px}
.art-hero-desc{font-size:14px;color:#9BA8B5;line-height:1.7;margin-bottom:16px;max-width:660px}
.art-hero-meta{display:flex;align-items:center;gap:8px;font-size:12px;color:#6A7B8C}
.art-meta-dot{color:#B8862A}