/* ============================================================
   How-To v1 — styles
   Inherits the navy + gold + green palette from comparator-v5
   ============================================================ */

:root {
  --navy: #137DAD;
  --navy-dark: #0E5F83;
  --navy-light: #2594c4;
  --navy-deep: #0a2a40;
  --gold: #fac837;
  --gold-dark: #eab308;
  --gold-light: #fef9e0;
  --green: #3ca37a;
  --green-dark: #2d8660;
  --green-light: #ecfdf5;
  --amber: #f59e0b;
  --amber-light: #fffbeb;
  --red: #dc2626;
  --red-light: #fef2f2;
  --grey-50: #f7f9fc;
  --grey-100: #eef2f7;
  --grey-200: #e2e8f0;
  --grey-300: #cbd5e1;
  --grey-400: #94a3b8;
  --grey-500: #64748b;
  --grey-600: #475569;
  --grey-700: #334155;
  --grey-800: #1e293b;
  --grey-900: #0f172a;
  --radius: 10px;
  --radius-sm: 6px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 2px rgba(13,42,76,.06);
  --shadow: 0 4px 12px rgba(13,42,76,.08);
  --shadow-lg: 0 12px 32px rgba(13,42,76,.12);
  --transition: 180ms cubic-bezier(.4,0,.2,1);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--grey-800);
  background: var(--grey-50);
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px;
}

a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; text-decoration-thickness: 1px; }
a:hover { color: var(--navy-dark); }

/* ---------- HEADER ---------- */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--grey-200);
  padding: 14px 0;
  position: sticky;
  top: 0;
  z-index: 50;
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo {
  font-family: Georgia, serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.02em;
  text-decoration: none;
}
.logo::before { content: "financer"; }
.logo::after { content: "."; color: var(--gold); }

.breadcrumb { font-size: 13px; color: var(--grey-500); }
.breadcrumb a { color: var(--grey-500); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb .current { color: var(--grey-700); }

/* ---------- PAGE HERO ---------- */
.page-hero {
  background: linear-gradient(180deg, #fff 0%, var(--grey-50) 100%);
  padding: 36px 0 14px;
}
.howto-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--grey-600);
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.howto-eyebrow__tag {
  background: var(--gold);
  color: var(--navy-deep);
  padding: 4px 10px;
  border-radius: 999px;
  font-weight: 700;
}
.howto-eyebrow__sep { color: var(--grey-300); }

.page-hero h1 {
  font-size: 36px;
  font-weight: 800;
  line-height: 1.2;
  color: var(--navy);
  letter-spacing: -0.02em;
  max-width: 820px;
  margin-bottom: 12px;
}
.hero-subtitle {
  font-size: 17px;
  color: var(--grey-600);
  max-width: 760px;
  line-height: 1.55;
  margin-bottom: 22px;
}

.byline {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 14px;
  font-size: 13px;
  color: var(--grey-600);
  margin-bottom: 12px;
}
.byline .author { display: inline-flex; align-items: center; gap: 6px; }
.byline .author-avatar {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); color: white; display: inline-flex;
  align-items: center; justify-content: center; font-size: 10px; font-weight: 700;
}
.byline .role { color: var(--grey-500); }
.byline .dot { color: var(--grey-400); }
.byline .updated { color: var(--grey-500); }
.byline .updated strong { color: var(--grey-700); font-weight: 600; }
.byline .verified-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 9px;
  background: var(--green-light);
  color: var(--green-dark);
  border-radius: 999px;
  font-size: 11px;
  font-weight: 600;
}

/* ---------- QUICK OVERVIEW (TL;DR card) ---------- */
.quick-overview {
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 14px 0 36px;
  position: relative;
  box-shadow: var(--shadow);
}
.quick-overview__head {
  margin-bottom: 12px;
}
.quick-overview__pill {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.quick-overview__body p {
  font-size: 15px;
  color: var(--grey-700);
  margin-bottom: 10px;
  line-height: 1.6;
}
.quick-overview__body p strong { color: var(--navy); }

.stat-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 18px;
  list-style: none;
  padding-top: 18px;
  border-top: 1px solid var(--grey-200);
}
.stat-strip li {
  text-align: left;
}
.stat-strip__label {
  font-size: 11px;
  color: var(--grey-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 600;
  margin-bottom: 6px;
}
.stat-strip__value {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.01em;
  margin-bottom: 3px;
}
.stat-strip__sub {
  font-size: 12px;
  color: var(--grey-500);
  line-height: 1.4;
}
.diff-pill {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -0.01em;
}
.diff-pill--easy { background: var(--green-light); color: var(--green-dark); }
.diff-pill--med  { background: var(--amber-light); color: #92400e; }
.diff-pill--hard { background: var(--red-light); color: #991b1b; }
.diff-pill--high { background: var(--amber-light); color: #92400e; }
.diff-pill--low  { background: var(--grey-100); color: var(--grey-700); }

/* ---------- LAYOUT: TOC + content ---------- */
.howto-layout {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 40px;
  margin-bottom: 60px;
}
.toc-rail {
  position: relative;
}
.toc-rail__inner {
  position: sticky;
  top: 76px;
  padding: 18px;
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.toc-rail__head {
  font-size: 11px;
  color: var(--grey-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 700;
  margin-bottom: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--grey-100);
}
.toc-rail__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-size: 13px;
  padding: 0;
}
.toc-rail__list a {
  display: block;
  padding: 7px 10px;
  border-radius: var(--radius-sm);
  color: var(--grey-600);
  text-decoration: none;
  border-left: 2px solid transparent;
  transition: all var(--transition);
  line-height: 1.4;
}
.toc-rail__list a:hover {
  background: var(--grey-50);
  color: var(--navy);
}
.toc-rail__list a.is-active {
  background: var(--grey-50);
  color: var(--navy);
  font-weight: 600;
  border-left-color: var(--gold);
}
.toc-rail__cta {
  display: block;
  margin-top: 16px;
  padding: 10px 14px;
  background: var(--navy);
  color: white !important;
  text-align: center;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none !important;
  transition: background var(--transition);
}
.toc-rail__cta:hover { background: var(--navy-dark); }

.howto-main {
  min-width: 0;
}

/* ---------- SECTION wrapper (shared) ---------- */
.content-section {
  background: white;
  border-radius: var(--radius);
  padding: 32px 36px;
  border: 1px solid var(--grey-200);
  margin-bottom: 28px;
  scroll-margin-top: 76px;
}
.content-section h2 {
  font-size: 26px;
  color: var(--navy);
  margin-bottom: 12px;
  letter-spacing: -0.01em;
  font-weight: 800;
}
.content-section h3 {
  font-size: 18px;
  color: var(--navy);
  margin-top: 22px;
  margin-bottom: 10px;
  font-weight: 700;
}
.content-section h4 {
  font-size: 13px;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 6px;
  font-weight: 700;
}
.content-section p {
  margin-bottom: 12px;
  color: var(--grey-700);
  line-height: 1.65;
}
.section-intro {
  font-size: 15px;
  color: var(--grey-600);
  margin-bottom: 22px;
  max-width: 760px;
  line-height: 1.6;
}

/* ---------- ALERT (callout) ---------- */
.alert {
  display: flex;
  gap: 12px;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  margin: 18px 0;
  font-size: 14px;
  line-height: 1.55;
  align-items: flex-start;
}
.alert__icon { font-size: 18px; line-height: 1; margin-top: 1px; flex-shrink: 0; }
.alert--warning { background: var(--amber-light); border: 1px solid #fde68a; color: #92400e; }
.alert--danger  { background: var(--red-light);   border: 1px solid #fecaca; color: #991b1b; }
.alert--info    { background: #eff6ff;            border: 1px solid #bfdbfe; color: #1e40af; }
.alert--good    { background: var(--green-light); border: 1px solid #a7f3d0; color: var(--green-dark); }
.alert strong { font-weight: 700; }

/* ---------- DECISION QUIZ ---------- */
.quiz-card {
  background: var(--navy);
  color: white;
  border-radius: var(--radius);
  padding: 22px 24px;
  margin: 22px 0 28px;
  box-shadow: var(--shadow);
}
.quiz-card__head { margin-bottom: 16px; }
.quiz-card__tag {
  display: inline-block;
  background: rgba(250,200,55,.2);
  color: var(--gold);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}
.quiz-card h3 {
  color: white !important;
  font-size: 19px !important;
  margin: 0 !important;
}
.quiz-card__body { display: flex; flex-direction: column; gap: 16px; }
.quiz-q {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.quiz-q__label {
  font-size: 14px;
  font-weight: 600;
  color: rgba(255,255,255,.92);
}
.quiz-q__options {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
}
.quiz-q__opt {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18);
  color: white;
  padding: 10px 12px;
  font-size: 13px;
  font-weight: 500;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  font-family: inherit;
  line-height: 1.3;
  text-align: left;
}
.quiz-q__opt:hover { background: rgba(255,255,255,.16); }
.quiz-q__opt.is-selected {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
  font-weight: 600;
}
.quiz-card__verdict {
  margin-top: 16px;
  padding: 16px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.quiz-card__verdict-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  flex-shrink: 0;
}
.quiz-card__verdict-icon--green { background: var(--green); color: white; }
.quiz-card__verdict-icon--amber { background: var(--amber); color: white; }
.quiz-card__verdict-icon--red   { background: var(--red); color: white; }
.quiz-card__verdict-body { flex: 1; }
.quiz-card__verdict-title {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 4px;
}
.quiz-card__verdict-text {
  font-size: 13.5px;
  color: rgba(255,255,255,.85);
  line-height: 1.5;
  margin-bottom: 10px;
}
.quiz-card__verdict-cta {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-deep) !important;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 700;
  text-decoration: none !important;
}

/* ---------- GOOD IDEA / THINK TWICE grid ---------- */
.decision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 24px;
}
.decision-col {
  border-radius: var(--radius);
  padding: 20px;
  border: 1px solid;
}
.decision-col--good {
  background: var(--green-light);
  border-color: #a7f3d0;
}
.decision-col--bad {
  background: var(--amber-light);
  border-color: #fde68a;
}
.decision-col__head {
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.decision-col--good .decision-col__head { color: var(--green-dark); }
.decision-col--bad .decision-col__head { color: #92400e; }
.dot-icon {
  width: 22px; height: 22px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 800;
  color: white;
}
.dot-icon--good { background: var(--green); }
.dot-icon--bad  { background: var(--amber); }
.decision-col ul {
  margin: 0 0 14px 0;
  padding-left: 18px;
  list-style: disc;
  font-size: 14px;
  line-height: 1.55;
}
.decision-col--good ul { color: #065f46; }
.decision-col--bad ul  { color: #78350f; }
.decision-col ul li { margin-bottom: 6px; }
.decision-col__cta-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 6px; }
.btn-soft {
  display: inline-block;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none !important;
  transition: all var(--transition);
}
.btn-soft--good {
  background: var(--green);
  color: white !important;
}
.btn-soft--good:hover { background: var(--green-dark); }
.btn-soft--bad {
  background: white;
  color: #92400e !important;
  border: 1px solid #fde68a;
}
.btn-soft--bad:hover { background: #fef3c7; }

/* ---------- PREREQUISITES ---------- */
.prereq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.prereq-col {
  background: var(--grey-50);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 18px 20px;
}
.prereq-col__head { margin-bottom: 12px; }
.prereq-col__pill {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.prereq-col__pill--must { background: var(--navy); color: white; }
.prereq-col__pill--nice { background: var(--gold); color: var(--navy-deep); }
.prereq-list {
  list-style: none;
  padding: 0;
}
.prereq-list li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 8px;
  font-size: 14px;
  line-height: 1.55;
  color: var(--grey-700);
}
.prereq-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 2px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: white;
  border: 1.5px solid var(--green);
  color: var(--green);
  font-size: 10px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}
.prereq-col--nice .prereq-list li::before { border-color: var(--gold-dark); color: var(--gold-dark); }
.prereq-list li strong { color: var(--grey-800); }
.prereq-list li em { font-style: italic; color: var(--grey-500); font-size: 13px; }

/* ---------- STEPS ---------- */
.steps-overview {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 14px;
  margin: 18px 0 28px;
  padding: 18px 20px;
  background: var(--grey-50);
  border-radius: var(--radius);
  border: 1px solid var(--grey-200);
}
.steps-overview li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--grey-700);
  font-weight: 500;
}
.steps-overview__num {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--navy);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}

.step-card {
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 22px 24px;
  margin-bottom: 16px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}
.step-card:hover { box-shadow: var(--shadow); }
.step-card__head {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 16px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--grey-100);
}
.step-card__num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 19px;
  font-weight: 800;
  flex-shrink: 0;
}
.step-card__head h3 {
  font-size: 19px !important;
  color: var(--navy) !important;
  margin: 0 !important;
  line-height: 1.3;
}
.step-card__body { display: flex; flex-direction: column; gap: 14px; }
.step-card__what,
.step-card__why {
  background: var(--grey-50);
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--navy);
}
.step-card__why { border-left-color: var(--gold); }
.step-card__what p,
.step-card__why p { margin: 0; font-size: 14px; color: var(--grey-700); line-height: 1.6; }
.step-card__watch,
.step-card__ready {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  font-size: 13.5px;
  line-height: 1.5;
}
.step-card__watch { background: var(--amber-light); color: #78350f; border: 1px solid #fde68a; }
.step-card__ready { background: var(--green-light); color: var(--green-dark); border: 1px solid #a7f3d0; }
.step-card__watch-tag,
.step-card__ready-tag {
  flex-shrink: 0;
  font-weight: 700;
  white-space: nowrap;
}

/* ---------- SCENARIOS ---------- */
.scenario-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.scenario-tile {
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all var(--transition);
}
.scenario-tile:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow);
}
.scenario-tile__head {
  display: flex;
  align-items: center;
  gap: 10px;
}
.scenario-tile__icon {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: var(--grey-100);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 700;
  flex-shrink: 0;
}
.scenario-tile__title {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
}
.scenario-tile__summary {
  font-size: 13px;
  color: var(--grey-600);
  font-style: italic;
}
.scenario-tile ul {
  margin: 0;
  padding-left: 18px;
  font-size: 13.5px;
  color: var(--grey-700);
  line-height: 1.55;
}
.scenario-tile ul li { margin-bottom: 5px; }
.scenario-tile__alt {
  display: inline-block;
  margin-top: 6px;
  font-size: 13px;
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
}
.scenario-tile__alt:hover { color: var(--navy-dark); text-decoration: underline; }

/* ---------- COST EXAMPLE ---------- */
.cost-table-wrap {
  overflow-x: auto;
  margin: 18px 0 18px;
}
.cost-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.cost-table th,
.cost-table td {
  padding: 12px 14px;
  text-align: left;
  border-bottom: 1px solid var(--grey-200);
}
.cost-table thead th {
  background: var(--grey-50);
  font-size: 11px;
  color: var(--grey-600);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 700;
  border-bottom: 2px solid var(--grey-200);
}
.cost-table tbody td:first-child {
  font-weight: 600;
  color: var(--navy);
}
.cost-table tbody td:last-child {
  font-weight: 700;
  color: var(--grey-800);
}
.cost-table tr.is-best { background: var(--green-light); }
.cost-table tr.is-best td:first-child { color: var(--green-dark); }
.cost-table tr.is-worst td:first-child { color: var(--red); }
.cost-table__delta {
  display: inline-block;
  font-size: 11px;
  padding: 2px 7px;
  border-radius: 999px;
  margin-left: 6px;
  font-weight: 600;
}
.cost-table__delta--bad { background: var(--red-light); color: var(--red); }

/* ---------- MINI CALCULATOR ---------- */
.mini-calc {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 22px 24px;
  margin-top: 22px;
  color: white;
  position: relative;
}
.mini-calc__head {
  margin-bottom: 14px;
}
.mini-calc__tag {
  background: var(--gold);
  color: var(--navy-deep);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.mini-calc__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 18px;
}
.mini-calc__field label {
  display: block;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,.7);
  margin-bottom: 6px;
  font-weight: 600;
}
.mini-calc__value {
  font-size: 20px;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}
.mini-calc__field input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255,255,255,.15);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.mini-calc__field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: grab;
  box-shadow: 0 2px 6px rgba(0,0,0,.3);
}
.mini-calc__field input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--gold);
  cursor: grab; border: none; box-shadow: 0 2px 6px rgba(0,0,0,.3);
}
.mini-calc__results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  padding: 14px 0 14px;
  border-top: 1px solid rgba(255,255,255,.15);
  border-bottom: 1px solid rgba(255,255,255,.15);
  margin-bottom: 14px;
}
.mini-calc__result-label {
  font-size: 11px;
  color: rgba(255,255,255,.7);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 4px;
}
.mini-calc__result-value {
  font-size: 22px;
  font-weight: 800;
  color: white;
}
.mini-calc__cta {
  display: inline-block;
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
}
.mini-calc__cta:hover { color: white; }

/* ---------- COMMON MISTAKES ---------- */
.mistake-stage { margin-bottom: 22px; }
.mistake-stage:last-child { margin-bottom: 0; }
.mistake-stage__head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--grey-200);
}
.mistake-stage__num {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--red-light);
  color: var(--red);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 800;
  flex-shrink: 0;
}
.mistake-stage__name {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
}
.mistake-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.mistake {
  background: var(--red-light);
  border-left: 3px solid var(--red);
  padding: 14px 16px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}
.mistake__title {
  font-size: 14px;
  font-weight: 700;
  color: #991b1b;
  margin-bottom: 6px;
  display: flex;
  align-items: flex-start;
  gap: 6px;
}
.mistake__title::before {
  content: "✕";
  color: var(--red);
  font-weight: 900;
  flex-shrink: 0;
}
.mistake__body {
  font-size: 13px;
  color: #7f1d1d;
  line-height: 1.55;
}

/* ---------- PRO TIPS ---------- */
.tips-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
.tip {
  background: var(--gold-light);
  border-left: 3px solid var(--gold);
  padding: 14px 16px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.tip__bulb {
  font-size: 18px;
  flex-shrink: 0;
  margin-top: 1px;
}
.tip__body { flex: 1; }
.tip__title {
  font-size: 14px;
  font-weight: 700;
  color: #78350f;
  margin-bottom: 4px;
}
.tip__text {
  font-size: 13px;
  color: #78350f;
  line-height: 1.55;
}

/* ---------- PLAN B ---------- */
.content-section--planb {
  background: linear-gradient(180deg, #fff 0%, var(--green-light) 130%);
}
.content-section--planb h2 { color: var(--green-dark); }
.planb-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-top: 18px;
}
.planb-tile {
  display: block;
  background: white;
  border: 1px solid #a7f3d0;
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  text-decoration: none !important;
  transition: all var(--transition);
}
.planb-tile:hover {
  border-color: var(--green);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}
.planb-tile__title {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--green-dark);
  margin-bottom: 4px;
}
.planb-tile__sub {
  font-size: 12.5px;
  color: var(--grey-600);
  line-height: 1.5;
}

/* ---------- FAQ ---------- */
.faq-section {
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 28px 32px;
  margin-bottom: 28px;
  scroll-margin-top: 76px;
}
.faq-section h2 {
  font-size: 26px;
  color: var(--navy);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
  font-weight: 800;
}
.faq-intro {
  font-size: 14px;
  color: var(--grey-600);
  margin-bottom: 20px;
}
.faq-item {
  border-bottom: 1px solid var(--grey-200);
}
.faq-item:last-child { border-bottom: none; }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 40px 16px 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  position: relative;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 20px;
  color: var(--navy);
  font-weight: 400;
  width: 26px; height: 26px;
  background: var(--grey-100);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  line-height: 1;
}
.faq-item[open] summary::after {
  content: "−";
  background: var(--navy);
  color: white;
}
.faq-answer {
  padding: 0 0 18px 0;
  font-size: 14px;
  color: var(--grey-700);
  line-height: 1.65;
}

/* ---------- SUMMARY & NEXT STEPS ---------- */
.content-section--summary {
  background: linear-gradient(180deg, #fff 0%, var(--grey-50) 100%);
}
.next-actions {
  background: var(--navy);
  color: white;
  border-radius: var(--radius);
  padding: 22px 24px;
  margin: 18px 0 22px;
}
.next-actions__head {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 14px;
}
.next-actions__list {
  list-style: none;
  counter-reset: act;
  padding: 0;
}
.next-actions__list li {
  counter-increment: act;
  position: relative;
  padding: 8px 0 8px 38px;
  font-size: 14.5px;
  color: rgba(255,255,255,.92);
  line-height: 1.55;
}
.next-actions__list li::before {
  content: counter(act);
  position: absolute;
  left: 0;
  top: 8px;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  font-size: 13px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}
.next-actions__list li strong { color: white; font-weight: 700; }
.next-actions__time {
  display: inline-block;
  margin-left: 6px;
  font-size: 12px;
  color: var(--gold);
  font-weight: 600;
}

.related-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 16px;
}
.related-card {
  display: block;
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm);
  padding: 16px;
  text-decoration: none !important;
  transition: all var(--transition);
}
.related-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}
.related-card__kicker {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--grey-500);
  font-weight: 700;
  margin-bottom: 4px;
}
.related-card__title {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
  line-height: 1.35;
}
.related-card__sub {
  font-size: 12.5px;
  color: var(--grey-600);
}

/* ---------- SOURCES ---------- */
.sources {
  background: var(--grey-50);
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 22px 26px;
  margin-bottom: 28px;
}
.sources h3 {
  font-size: 13px;
  color: var(--grey-600);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 700;
  margin-bottom: 12px;
}
.sources__list {
  margin: 0 0 12px 18px;
  font-size: 13px;
  color: var(--grey-700);
  line-height: 1.65;
}
.sources__list li { margin-bottom: 4px; }
.sources__list a { color: var(--navy); }
.sources__note {
  font-size: 11.5px;
  color: var(--grey-500);
  font-style: italic;
}

/* ---------- FOOTER ---------- */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
  padding: 40px 0;
  margin-top: 60px;
  font-size: 13px;
  text-align: center;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1080px) {
  .howto-layout { grid-template-columns: 1fr; gap: 0; }
  .toc-rail { display: none; }
}
@media (max-width: 768px) {
  .page-hero h1 { font-size: 28px; }
  .hero-subtitle { font-size: 15px; }
  .stat-strip { grid-template-columns: 1fr; }
  .decision-grid,
  .prereq-grid,
  .scenario-grid,
  .planb-grid,
  .tips-grid,
  .related-row { grid-template-columns: 1fr; }
  .mistake-grid { grid-template-columns: 1fr; }
  .quiz-q__options { grid-template-columns: 1fr; }
  .mini-calc__grid,
  .mini-calc__results { grid-template-columns: 1fr; gap: 12px; }
  .steps-overview { grid-template-columns: 1fr; }
  .content-section { padding: 22px 18px; }
  .content-section h2 { font-size: 22px; }
  .step-card { padding: 18px 16px; }
  .faq-section { padding: 20px 18px; }
  .cost-table th, .cost-table td { padding: 10px 8px; font-size: 13px; }
}
@media (max-width: 520px) {
  .container { padding: 0 14px; }
  .page-hero h1 { font-size: 24px; }
  .byline { font-size: 12px; gap: 6px 10px; }
  .quick-overview { padding: 18px 16px; }
  .stat-strip__value { font-size: 18px; }
  .step-card__head h3 { font-size: 16px !important; }
  .step-card__num { width: 34px; height: 34px; font-size: 16px; }
}