/* ============================================================
   TrustSmartSaving — Design System
   HomeBuddy palette + NerdWallet content structure
   ============================================================ */

:root {
  --color-primary:        #1B3A6B;
  --color-primary-dark:   #112647;
  --color-cta:            #F58220;
  --color-cta-dark:       #D86A0F;
  --color-accent-light:   #4A9FD8;
  --color-bg:             #FFFFFF;
  --color-surface:        #F7F9FC;
  --color-surface-warm:   #FEF0E0;
  --color-surface-cool:   #EAF3F8;
  --color-border:         #E5E9F2;
  --color-text-primary:   #1A2238;
  --color-text-secondary: #5A6478;

  --container-max: 1200px;
  --article-max: 720px;
  --radius-card: 10px;
  --radius-btn: 6px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(17, 38, 71, 0.06);
  --shadow-md: 0 4px 12px rgba(17, 38, 71, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--color-text-primary);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }

a {
  color: var(--color-accent-light);
  text-decoration: none;
}
a:hover { text-decoration: underline; }

h1, h2, h3, h4, h5 {
  color: var(--color-text-primary);
  font-weight: 600;
  line-height: 1.25;
  margin: 0 0 16px;
}

h1 { font-size: 36px; font-weight: 700; line-height: 1.2; }
h2 { font-size: 24px; }
h3 { font-size: 18px; }

p { margin: 0 0 16px; }

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 24px;
  border-radius: var(--radius-btn);
  font-family: inherit;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.15s ease, border-color 0.15s ease;
}

.btn-primary {
  background: var(--color-cta);
  color: #fff;
}
.btn-primary:hover {
  background: var(--color-cta-dark);
  text-decoration: none;
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn-ghost:hover {
  background: var(--color-primary);
  color: #fff;
  text-decoration: none;
}

.btn-arrow::after {
  content: '\2192';
  margin-left: 4px;
}

/* ============================================================
   Eyebrow / tag
   ============================================================ */
.eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-cta);
  margin-bottom: 12px;
}

/* ============================================================
   Header / Nav
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #fff;
  border-bottom: 1px solid var(--color-border);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.logo {
  font-size: 20px;
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -0.01em;
  text-decoration: none;
}
.logo span { color: var(--color-cta); }
.logo:hover { text-decoration: none; }

.nav-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 28px;
  align-items: center;
}

.nav-links a {
  color: var(--color-text-primary);
  font-size: 15px;
  font-weight: 500;
  text-decoration: none;
}
.nav-links a:hover { color: var(--color-primary); text-decoration: none; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--color-primary);
  cursor: pointer;
  padding: 6px;
}
.nav-toggle svg { width: 24px; height: 24px; }

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    gap: 0;
    padding: 8px 0;
    border-bottom: 1px solid var(--color-border);
    box-shadow: var(--shadow-md);
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a {
    display: block;
    padding: 14px 24px;
    width: 100%;
  }
}

/* ============================================================
   Hero — featured guide
   ============================================================ */
.hero {
  background: var(--color-surface);
  padding: 56px 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.hero h1 {
  font-size: 36px;
  color: var(--color-primary);
  margin-bottom: 16px;
}

.hero-excerpt {
  font-size: 17px;
  color: var(--color-text-secondary);
  margin-bottom: 16px;
}

.hero-byline {
  font-size: 13px;
  color: var(--color-text-secondary);
  margin-bottom: 24px;
}

.hero-img {
  background: var(--color-surface-cool);
  border-radius: 12px;
  height: 280px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-img svg {
  width: 96px;
  height: 96px;
  color: var(--color-accent-light);
  stroke: var(--color-accent-light);
}

@media (max-width: 768px) {
  .hero { padding: 32px 0; }
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: 28px; }
  .hero-img { height: 220px; order: -1; }
  .hero-img svg { width: 72px; height: 72px; }
}

/* ============================================================
   Trust band
   ============================================================ */
.trust-band {
  background: #fff;
  padding: 32px 0;
  border-bottom: 1px solid var(--color-border);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  text-align: center;
}

.trust-item {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: var(--color-text-primary);
  font-weight: 500;
  font-size: 15px;
}
.trust-item svg {
  width: 24px;
  height: 24px;
  color: var(--color-accent-light);
  stroke: var(--color-accent-light);
  flex-shrink: 0;
}

@media (max-width: 768px) {
  .trust-grid { grid-template-columns: 1fr; gap: 16px; }
  .trust-item { justify-content: flex-start; }
}

/* ============================================================
   Category pills
   ============================================================ */
.pills-bar {
  background: var(--color-surface);
  padding: 16px 0;
  border-bottom: 1px solid var(--color-border);
}

.pills {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.pill {
  display: inline-block;
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  font-size: 14px;
  font-weight: 500;
  background: #fff;
  color: var(--color-primary);
  border: 1px solid var(--color-border);
  cursor: pointer;
  transition: all 0.15s ease;
  text-decoration: none;
}
.pill:hover {
  border-color: var(--color-primary);
  text-decoration: none;
}
.pill.active {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
}

/* ============================================================
   Section heading / grid
   ============================================================ */
.section {
  padding: 48px 0;
}
.section-alt {
  background: var(--color-surface);
}

.section-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 28px;
}

.section-head h2 {
  font-size: 22px;
  font-weight: 600;
  margin: 0;
}

.section-head a {
  font-size: 14px;
  font-weight: 600;
  color: var(--color-primary);
}

@media (max-width: 768px) {
  .section { padding: 32px 0; }
}

/* ============================================================
   Article cards
   ============================================================ */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

@media (max-width: 900px) {
  .card-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .card-grid { grid-template-columns: 1fr; }
}

.card {
  position: relative;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  overflow: hidden;
  transition: transform 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}
.card:hover {
  border-color: var(--color-primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.card-link {
  position: absolute;
  inset: 0;
  z-index: 1;
}

.card-img {
  height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.card-img.bg-cool {
  background: var(--color-surface-cool);
  color: var(--color-accent-light);
}
.card-img.bg-warm {
  background: var(--color-surface-warm);
  color: var(--color-cta);
}
.card-img svg {
  width: 48px;
  height: 48px;
  stroke: currentColor;
}

.card-body {
  padding: 20px;
}

.card-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-cta);
  margin-bottom: 8px;
}

.card-title {
  font-size: 17px;
  font-weight: 600;
  color: var(--color-text-primary);
  line-height: 1.4;
  margin: 0 0 10px;
}

.card-meta {
  font-size: 13px;
  color: var(--color-text-secondary);
}

/* ============================================================
   Editorial approach band
   ============================================================ */
.editorial-band {
  background: var(--color-surface);
  padding: 56px 0;
}

.editorial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.editorial-item {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  padding: 28px;
}
.editorial-item svg {
  width: 32px;
  height: 32px;
  color: var(--color-primary);
  stroke: var(--color-primary);
  margin-bottom: 16px;
}
.editorial-item h3 {
  font-size: 18px;
  margin-bottom: 10px;
  color: var(--color-primary);
}
.editorial-item p {
  font-size: 15px;
  color: var(--color-text-secondary);
  margin: 0;
  line-height: 1.65;
}

@media (max-width: 768px) {
  .editorial-grid { grid-template-columns: 1fr; gap: 16px; }
  .editorial-band { padding: 32px 0; }
}

/* ============================================================
   Page hero (about, contact, etc.)
   ============================================================ */
.page-hero {
  background: var(--color-surface);
  padding: 56px 0;
  text-align: left;
  border-bottom: 1px solid var(--color-border);
}
.page-hero h1 {
  font-size: 32px;
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: 12px;
}
.page-hero p {
  font-size: 17px;
  color: var(--color-text-secondary);
  max-width: 640px;
}

@media (max-width: 768px) {
  .page-hero { padding: 32px 0; }
  .page-hero h1 { font-size: 26px; }
}

/* ============================================================
   Article body
   ============================================================ */
.article-container {
  max-width: var(--article-max);
  margin: 0 auto;
  padding: 0 24px;
}

.article {
  padding: 40px 0 64px;
}

.breadcrumb {
  font-size: 13px;
  color: var(--color-text-secondary);
  padding: 16px 0;
  border-bottom: 1px solid var(--color-border);
}
.breadcrumb a {
  color: var(--color-text-secondary);
}
.breadcrumb .sep {
  margin: 0 8px;
  color: #c5cad7;
}

.article-header {
  padding: 32px 0 24px;
  border-bottom: 1px solid var(--color-border);
}
.article-header h1 {
  font-size: 36px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 20px;
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: var(--color-text-secondary);
}

.avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--color-surface-cool);
  color: var(--color-primary);
  font-size: 13px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.article-meta strong { color: var(--color-text-primary); font-weight: 600; }

.featured-tile {
  background: var(--color-surface-cool);
  border-radius: 12px;
  height: 220px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 32px 0;
}
.featured-tile.warm { background: var(--color-surface-warm); }
.featured-tile svg {
  width: 88px;
  height: 88px;
  color: var(--color-accent-light);
  stroke: var(--color-accent-light);
}
.featured-tile.warm svg {
  color: var(--color-cta);
  stroke: var(--color-cta);
}

.article-body {
  font-size: 17px;
  line-height: 1.75;
  color: var(--color-text-primary);
}
.article-body h2 {
  font-size: 26px;
  font-weight: 600;
  color: var(--color-primary);
  margin: 40px 0 16px;
}
.article-body p { margin-bottom: 18px; }
.article-body ul,
.article-body ol {
  margin: 0 0 18px;
  padding-left: 24px;
}
.article-body li { margin-bottom: 8px; }
.article-body a {
  color: var(--color-accent-light);
  text-decoration: underline;
}

/* Key takeaways callout */
.key-takeaways {
  background: var(--color-surface-cool);
  border-left: 4px solid var(--color-primary);
  border-radius: 8px;
  padding: 24px 28px;
  margin: 32px 0;
}
.key-takeaways h3 {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin: 0 0 12px;
}
.key-takeaways ul {
  margin: 0;
  padding-left: 20px;
}
.key-takeaways li {
  font-size: 15px;
  line-height: 1.6;
  color: var(--color-text-primary);
  margin-bottom: 8px;
}
.key-takeaways li:last-child { margin-bottom: 0; }

/* Stat callout */
.stat-callout {
  background: var(--color-surface-warm);
  border-radius: 10px;
  padding: 28px 24px;
  margin: 28px 0;
  text-align: center;
}
.stat-callout .stat-number {
  font-size: 36px;
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1.1;
  margin-bottom: 6px;
  display: block;
}
.stat-callout .stat-label {
  font-size: 14px;
  color: var(--color-text-secondary);
  margin: 0;
}

/* Tip callout */
.tip-callout {
  background: var(--color-surface);
  border-left: 4px solid var(--color-accent-light);
  border-radius: 8px;
  padding: 20px 24px;
  margin: 28px 0;
}
.tip-callout h4 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent-light);
  margin: 0 0 8px;
}
.tip-callout p {
  margin: 0;
  font-size: 15px;
  line-height: 1.65;
  color: var(--color-text-primary);
}

/* Author block */
.author-block {
  background: var(--color-surface);
  border-radius: 10px;
  padding: 24px;
  margin: 48px 0 0;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.author-block .avatar {
  width: 56px;
  height: 56px;
  font-size: 18px;
  flex-shrink: 0;
}
.author-block h4 {
  font-size: 16px;
  margin: 0 0 6px;
  color: var(--color-primary);
}
.author-block p {
  margin: 0;
  font-size: 14px;
  color: var(--color-text-secondary);
  line-height: 1.6;
}

@media (max-width: 768px) {
  .article-header h1 { font-size: 28px; }
  .article-body { font-size: 16px; }
  .article-body h2 { font-size: 22px; }
  .featured-tile { height: 180px; }
  .featured-tile svg { width: 64px; height: 64px; }
}

/* Related guides */
.related-guides {
  background: var(--color-surface);
  padding: 48px 0;
  margin-top: 56px;
}
.related-guides h2 {
  font-size: 22px;
  margin-bottom: 24px;
}

/* ============================================================
   Legal / generic body
   ============================================================ */
.legal-body {
  max-width: var(--article-max);
  margin: 0 auto;
  padding: 48px 24px 64px;
  font-size: 16px;
  line-height: 1.75;
  color: var(--color-text-primary);
}
.legal-body h1 {
  font-size: 32px;
  color: var(--color-primary);
  margin-bottom: 8px;
}
.legal-body h2 {
  font-size: 22px;
  font-weight: 600;
  color: var(--color-primary);
  margin: 32px 0 12px;
}
.legal-body .updated {
  font-size: 13px;
  color: var(--color-text-secondary);
  margin-bottom: 24px;
  font-style: italic;
}
.legal-body p { margin-bottom: 16px; }
.legal-body ul { margin: 0 0 16px; padding-left: 24px; }
.legal-body li { margin-bottom: 8px; }

/* ============================================================
   About page sections
   ============================================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 32px;
}
.team-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  padding: 28px;
  text-align: center;
}
.team-card .avatar {
  width: 64px;
  height: 64px;
  font-size: 20px;
  margin: 0 auto 16px;
}
.team-card h3 {
  font-size: 17px;
  color: var(--color-primary);
  margin-bottom: 8px;
}
.team-card p {
  font-size: 14px;
  color: var(--color-text-secondary);
  margin: 0;
  line-height: 1.6;
}

@media (max-width: 768px) {
  .team-grid { grid-template-columns: 1fr; gap: 16px; }
}

.standards-list {
  list-style: none;
  padding: 0;
  margin: 24px 0;
}
.standards-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  font-size: 16px;
  color: var(--color-text-primary);
}
.standards-list svg {
  width: 22px;
  height: 22px;
  color: var(--color-accent-light);
  stroke: var(--color-accent-light);
  flex-shrink: 0;
  margin-top: 2px;
}

.cta-band {
  background: var(--color-surface);
  padding: 56px 0;
  text-align: center;
  margin-top: 48px;
}
.cta-band h2 {
  font-size: 28px;
  color: var(--color-primary);
  margin-bottom: 24px;
}

/* ============================================================
   Contact form
   ============================================================ */
.contact-form {
  max-width: var(--article-max);
  margin: 40px auto;
  padding: 0 24px;
}

.form-group {
  margin-bottom: 20px;
}
.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-text-primary);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  font-family: inherit;
  font-size: 15px;
  color: var(--color-text-primary);
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-btn);
  outline: none;
  transition: border-color 0.15s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--color-primary);
}
.form-group textarea {
  min-height: 140px;
  resize: vertical;
}
.form-alt {
  text-align: center;
  font-size: 14px;
  color: var(--color-text-secondary);
  margin-top: 24px;
}
.form-success {
  background: var(--color-surface-cool);
  border-left: 4px solid var(--color-primary);
  border-radius: 8px;
  padding: 24px;
  font-size: 16px;
  color: var(--color-text-primary);
  margin: 24px 0;
}

/* ============================================================
   Footer
   ============================================================ */
.footer {
  background: var(--color-primary-dark);
  color: #fff;
  padding: 48px 0 24px;
  margin-top: 64px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 40px;
}
.footer-brand .logo {
  color: #fff;
  font-size: 22px;
}
.footer-brand .logo span { color: var(--color-cta); }
.footer-tagline {
  margin-top: 12px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
}
.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: 16px;
}
.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 14px;
  text-decoration: none;
}
.footer-col a:hover { color: #fff; text-decoration: none; }

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
}

@media (max-width: 768px) {
  .footer { padding: 32px 0 16px; margin-top: 32px; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}