/* ========================================
   BRIGHT BOX — INSIGHTS ARTICLE STYLES
   Shared base + reusable components for /insights/ articles:
   article layout, TLDR box, tip boxes, data tables, FAQ, advisor CTA,
   compact CTA, calc callout, reviews strip, ERC mini estimator, remo-cycle.
   One-off styles for a single article stay inline in that article.
   ======================================== */

.btn-sm { border-radius: 10px; font-size: 13px; padding: 10px 20px; }
.read-progress { background: #2F766E; height: 3px; left: 0; position: fixed; top: 72px; transition: width 0.1s linear, transform 0.3s ease; width: 0; z-index: 999; }
.read-progress.bar-hidden { transform: translateY(-75px); }
.insight-hero { background: #D4391C url('/assets/images/brand/Background.png') center top / cover no-repeat; background-image: image-set(url('/assets/images/brand/Background.webp') type('image/webp'), url('/assets/images/brand/Background.png') type('image/png')); padding-bottom: 40px; padding-top: 84px; position: relative; text-align: center; }
.insight-hero .breadcrumbs-inner { align-items: center; color: rgba(255,255,255,0.6); display: flex; flex-wrap: wrap; font-size: 13px; font-weight: 500; gap: 8px; margin-bottom: 24px; }
.insight-hero .breadcrumbs-inner a { color: rgba(255,255,255,0.6); transition: color 0.2s; }
.insight-hero .breadcrumbs-inner a:hover { color: #FFFFFF; }
.insight-hero .breadcrumbs-inner .bc-sep { color: rgba(255,255,255,0.35); font-size: 11px; }
.insight-hero .breadcrumbs-inner .bc-current { color: #FFFFFF; font-weight: 600; }
.insight-hero-inner { margin: 0 auto; max-width: 740px; }
.insight-category-tag { backdrop-filter: blur(4px); background: rgba(255,255,255,0.2); border-radius: 8px; color: #FFFFFF; display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.01em; line-height: 1; margin-bottom: 16px; padding: 5px 14px; }
.insight-hero h1 { color: #FFFFFF; margin-bottom: 16px; text-shadow: 0 2px 8px rgba(0,0,0,0.12); }
.insight-meta-author { align-items: center; display: flex; flex-direction: column; gap: 4px; margin-bottom: 16px; }
.insight-meta-avatar-wrap { flex-shrink: 0; height: 240px; margin-bottom: -40px; margin-top: -30px; width: 240px; }
.insight-meta-avatar { height: 100%; object-fit: contain; width: 100%; }
.insight-meta-written-by { color: rgba(255,255,255,0.5); font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; }
.insight-meta-author-info { align-items: center; display: flex; gap: 8px; }
.insight-meta-name { color: #FFFFFF; font-size: 18px; font-weight: 600; }
.insight-meta-role { color: rgba(255,255,255,0.6); font-size: 14px; }
.insight-meta { align-items: center; color: rgba(255,255,255,0.6); display: flex; flex-wrap: wrap; font-size: 14px; gap: 16px; justify-content: center; }
.insight-meta-sep { color: rgba(255,255,255,0.3); }
.insight-meta-item { align-items: center; display: flex; gap: 5px; }
.insight-meta-item svg { fill: none; height: 14px; stroke: rgba(255,255,255,0.5); stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 14px; }
.article-layout { padding: 56px 0 80px; }
.article-grid { display: grid; gap: 48px; grid-template-columns: 1fr; margin: 0 auto; max-width: 1040px; }
.article-grid.no-toc { grid-template-columns: 1fr; max-width: 740px; }
.toc-sidebar { display: none; }
.toc-title { color: #94a3b8; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.1em; margin-bottom: 16px; text-transform: uppercase; }
.toc-list { display: flex; flex-direction: column; gap: 0; }
.toc-item { border-left: 2px solid #e2e8f0; color: #64748b; display: block; font-size: 14px; font-weight: 500; line-height: 1.4; padding: 8px 0 8px 16px; transition: all 0.2s; }
.toc-item:hover { color: #0B1026; }
.toc-item.active { border-left-color: #2F766E; border-left-width: 3px; color: #2F766E; font-weight: 600; }
.toc-mobile { background: #F8FAFC; border: 1px solid #e2e8f0; border-radius: 16px; margin-bottom: 40px; padding: 20px 24px; }
.toc-mobile-header { align-items: center; cursor: pointer; display: flex; justify-content: space-between; user-select: none; }
.toc-mobile-header h3 { color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 15px; font-weight: 700; margin: 0; }
.toc-mobile-chevron { fill: none; height: 20px; stroke: #64748b; stroke-width: 2; transition: transform 0.3s; width: 20px; }
.toc-mobile.open .toc-mobile-chevron { transform: rotate(180deg); }
.toc-mobile-list { border-top: 1px solid #e2e8f0; display: none; flex-direction: column; gap: 0; margin-top: 16px; padding-top: 16px; }
.toc-mobile.open .toc-mobile-list { display: flex; }
.toc-mobile-list a { border-bottom: 1px solid #f1f5f9; color: #64748b; font-size: 14px; font-weight: 500; padding: 8px 0; transition: color 0.2s; }
.toc-mobile-list a:last-child { border-bottom: none; }
.toc-mobile-list a:hover { color: #2F766E; }
.article-content { max-width: 740px; min-width: 0; }
.article-content h2 { color: #0B1026; font-size: clamp(24px, 2.5vw, 32px); margin-bottom: 20px; margin-top: 56px; scroll-margin-top: 96px; }
.article-content h2:first-of-type { margin-top: 0; }
.article-content p { color: #475569; font-size: 18px; line-height: 1.75; margin-bottom: 24px; }
.article-content ul { list-style: disc; margin-bottom: 24px; padding-left: 24px; }
.article-content ol { list-style: decimal; margin-bottom: 24px; padding-left: 24px; }
.article-content li { color: #475569; font-size: 18px; line-height: 1.7; padding: 4px 0; }
.article-content strong { color: #0B1026; font-weight: 600; }
.article-content a.content-link { color: #2F766E; font-weight: 500; text-decoration: underline; text-underline-offset: 3px; transition: color 0.2s; }
.article-content a.content-link:hover { color: #1d5a54; }
.article-content blockquote { border-left: 4px solid #2F766E; color: #334155; font-size: 19px; font-style: italic; line-height: 1.7; margin: 32px 0; padding: 8px 0 8px 24px; }
.tldr-label { color: #2F766E; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.12em; margin-bottom: 8px; text-transform: uppercase; }
.tldr-box p { color: #334155; font-size: 17px; line-height: 1.6; margin: 0; }
.tip-box { align-items: flex-start; background: rgba(47, 118, 110, 0.06); border-radius: 16px; display: flex; gap: 16px; margin: 32px 0; padding: 24px; }
.tip-box-icon { fill: none; flex-shrink: 0; height: 24px; stroke: #2F766E; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 24px; }
.tip-box-content { flex: 1; }
.tip-box-label { color: #2F766E; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 0.06em; margin-bottom: 6px; text-transform: uppercase; }
.tip-box-content p { font-size: 16px; line-height: 1.65; margin-bottom: 0; }
.tip-box.tip-amber { background: rgba(231, 180, 87, 0.08); }
.tip-box.tip-amber .tip-box-icon { stroke: #D4A03C; }
.tip-box.tip-amber .tip-box-label { color: #C4922E; }
.tip-box.tip-blue { background: rgba(74, 123, 247, 0.06); }
.tip-box.tip-blue .tip-box-icon { stroke: #4A7BF7; }
.tip-box.tip-blue .tip-box-label { color: #4A7BF7; }
.tip-box.tip-coral { background: rgba(220, 100, 100, 0.06); }
.tip-box.tip-coral .tip-box-icon { stroke: #DC6464; }
.tip-box.tip-coral .tip-box-label { color: #DC6464; }
.data-table tr:nth-child(even) td { background: #FAFAFA; }
.last-updated { border-top: 1px solid #e2e8f0; color: #64748b; font-size: 14px; font-style: italic; margin: 40px 0 0; padding: 16px 0; }
.article-faq { margin-top: 56px; }
.article-faq h2 { color: #0B1026; font-size: clamp(24px, 2.5vw, 32px); margin-bottom: 24px; scroll-margin-top: 96px; }
.faq-list-inline .faq-question { align-items: center; background: transparent; border: none; color: #0F172A; cursor: pointer; display: flex; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 17px; font-weight: 600; gap: 20px; justify-content: space-between; line-height: 1.4; padding: 22px 0; text-align: left; transition: color 0.2s; width: 100%; }
.faq-list-inline .faq-question:hover { color: #2F766E; }
.faq-list-inline .faq-question:focus-visible { border-radius: 4px; outline: 2px solid #2F766E; outline-offset: 4px; }
.faq-list-inline .faq-icon { align-items: center; background: #F5EFE6; border-radius: 50%; display: flex; flex-shrink: 0; height: 28px; justify-content: center; transition: transform 0.3s ease, background 0.3s ease; width: 28px; }
.faq-list-inline .faq-item.active .faq-icon { background: #2F766E; transform: rotate(45deg); }
.faq-list-inline .faq-icon svg { height: 14px; stroke: #0F172A; transition: stroke 0.3s ease; width: 14px; }
.faq-list-inline .faq-item.active .faq-icon svg { stroke: #FFFFFF; }
.faq-list-inline .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1); }
.faq-list-inline .faq-answer-inner { padding: 0 0 22px; }
.faq-list-inline .faq-answer p { color: #475569; font-size: 16px; line-height: 1.7; margin: 0; }
.related-articles { background: #F8FAFC; padding: 64px 0; }
.related-articles h2 { color: #0B1026; font-size: clamp(24px, 2.5vw, 32px); margin-bottom: 32px; text-align: center; }
.related-grid { display: grid; gap: 24px; grid-template-columns: 1fr; margin: 0 auto; max-width: 1040px; }
.related-card { background: #FFFFFF; border: 1px solid #e2e8f0; border-radius: 16px; display: block; overflow: hidden; transition: transform 0.2s ease, box-shadow 0.2s ease; }
.related-card:hover { box-shadow: 0 12px 24px rgba(11,16,38,0.08); transform: translateY(-4px); }
.related-card-img { background: #F5EFE6; height: 180px; overflow: hidden; position: relative; width: 100%; }
.related-card-img img { height: 100%; object-fit: cover; transition: transform 0.3s ease; width: 100%; }
.related-card:hover .related-card-img img { transform: scale(1.04); }
.related-card-tag { border-radius: 6px; bottom: 12px; font-size: 11px; font-weight: 700; left: 12px; letter-spacing: 0.02em; line-height: 1; padding: 4px 12px; position: absolute; }
.tag-teal { background: #2F766E; color: #FFFFFF; }
.tag-mustard { background: #E7B457; color: #0B1026; }
.tag-coral { background: #E88B8B; color: #0B1026; }
.tag-blue { background: #4A7BF7; color: #FFFFFF; }
.related-card-body { padding: 20px 22px 22px; }
.related-card-body h4 { color: #0B1026; font-family: 'DM Serif Display', serif; font-size: 17px; font-weight: 400; line-height: 1.35; margin: 0; }
.cta-section .eyebrow { color: #E7B457; }
.cta-section h2 { color: #FFFFFF; margin-bottom: 16px; margin-left: auto; margin-right: auto; max-width: 600px; }
.def-split { display: grid; gap: 14px; grid-template-columns: 1fr; margin: 0 0 36px; }
.def-card { border: 1px solid rgba(11,16,38,0.08); border-radius: 14px; padding: 22px 22px 24px; }
.def-card-hmrc { background: rgba(220, 100, 100, 0.06); border-color: rgba(220, 100, 100, 0.25); }
.def-card-lender { background: rgba(47, 118, 110, 0.06); border-color: rgba(47, 118, 110, 0.25); }
.def-card-eyebrow { align-items: center; display: flex; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; gap: 8px; letter-spacing: 0.1em; margin-bottom: 8px; text-transform: uppercase; }
.def-card-hmrc .def-card-eyebrow { color: #C04A4A; }
.def-card-lender .def-card-eyebrow { color: #2F766E; }
.def-card-eyebrow .def-icon { align-items: center; border-radius: 50%; display: inline-flex; font-size: 12px; font-weight: 700; height: 22px; justify-content: center; width: 22px; }
.def-card-hmrc .def-icon { background: #C04A4A; color: #FFFFFF; }
.def-card-lender .def-icon { background: #2F766E; color: #FFFFFF; }
.def-card-title { color: #0B1026; font-family: 'DM Serif Display', serif; font-size: 20px; line-height: 1.25; margin: 0 0 8px; }
.def-card-body { color: #475569; font-size: 15px; line-height: 1.55; margin: 0; }
.article-content .full-cta-banner { background: #D4391C url('/assets/images/brand/Background.png') center center / cover no-repeat; background-image: image-set(url('/assets/images/brand/Background.webp') type('image/webp'), url('/assets/images/brand/Background.png') type('image/png')); border-radius: 20px; margin: 56px 0; overflow: hidden; padding: 48px 32px; position: relative; text-align: center; }
.article-content .full-cta-banner h3 { color: #FFFFFF; font-family: 'DM Serif Display', serif; font-size: clamp(24px, 3vw, 32px); font-weight: 400; line-height: 1.2; margin: 0 0 12px; text-shadow: 0 2px 8px rgba(0,0,0,0.12); }
.article-content .full-cta-banner .cta-buttons { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.article-content .full-cta-banner .btn-cta-outline:hover { background: rgba(255,255,255,0.1); border-color: #FFFFFF; }
.full-cta-banner .btn-cta:hover { box-shadow: 0 10px 28px rgba(0,0,0,0.22); transform: translateY(-2px); }
.data-table td strong { color: #0B1026; }
.data-table .ftb-yes { color: #2F766E; font-weight: 700; }
.data-table .ftb-no { color: #C04A4A; font-weight: 600; }
.data-table .ftb-mixed { color: #C4922E; font-weight: 600; }
.table-caption { color: #64748b; font-size: 13px; font-style: italic; margin: 0 0 32px; }
.sources-block { background: #F8FAFC; border: 1px solid #e2e8f0; border-radius: 12px; margin-top: 32px; padding: 20px 24px; }
.sources-block .sources-label { color: #64748b; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.1em; margin-bottom: 10px; text-transform: uppercase; }
.sources-block p { color: #475569; font-size: 14px; line-height: 1.7; margin: 0; }
.sources-block a { color: #2F766E; text-decoration: underline; }
.compact-cta { align-items: center; background: rgba(231, 180, 87, 0.08); border-left: 4px solid #E7B457; border-radius: 0 12px 12px 0; display: flex; gap: 20px; margin: 40px 0; padding: 20px 24px; }
.compact-cta-icon { align-items: center; background: rgba(231, 180, 87, 0.15); border-radius: 10px; display: flex; flex-shrink: 0; height: 40px; justify-content: center; width: 40px; }
.compact-cta-icon svg { fill: none; height: 20px; stroke: #E7B457; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 20px; }
.compact-cta-content { flex: 1; min-width: 0; }
.compact-cta-content p { color: #0B1026; font-size: 15px; font-weight: 500; line-height: 1.5; margin-bottom: 0; }
.compact-cta-btn { flex-shrink: 0; }
.calc-callout { align-items: center; background: #FFFFFF; border: 1.5px solid #E7B457; border-radius: 14px; box-shadow: 0 4px 16px rgba(231, 180, 87, 0.18); display: flex; gap: 18px; margin: 0 0 40px; padding: 18px 22px; }
.calc-callout-icon { align-items: center; background: rgba(231, 180, 87, 0.18); border-radius: 12px; display: flex; flex-shrink: 0; height: 44px; justify-content: center; width: 44px; }
.calc-callout-icon svg { fill: none; height: 22px; stroke: #C4922E; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 22px; }
.calc-callout-body { flex: 1; min-width: 0; }
.calc-callout-body strong { color: #0B1026; display: block; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 15px; font-weight: 700; margin-bottom: 2px; }
.calc-callout-body p { color: #475569; font-size: 14px; line-height: 1.5; margin: 0; }
.calc-callout-btn { background: #0B1026; border-radius: 10px; color: #FFFFFF; flex-shrink: 0; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; font-weight: 600; padding: 12px 20px; text-decoration: none; transition: background 0.2s, transform 0.2s; white-space: nowrap; }
.calc-callout-btn:hover { background: #1d2a52; transform: translateY(-1px); }
.erc-mini { background: #F5EFE6; border: 1px solid rgba(11, 16, 38, 0.04); border-radius: 20px; box-shadow: 0 4px 24px rgba(11, 16, 38, 0.04); margin: 28px 0 36px; padding: 28px 26px 26px; }
.erc-mini-label { color: #94a3b8; font-family: 'Space Grotesk', sans-serif; font-size: 13px; font-weight: 600; letter-spacing: 0.08em; margin: 0 0 18px; text-transform: uppercase; }
.erc-mini-inputs { display: grid; gap: 18px; grid-template-columns: 1fr; margin-bottom: 22px; }
.erc-mini-field label { color: #0B1026; display: block; font-family: 'Space Grotesk', sans-serif; font-size: 14px; font-weight: 600; letter-spacing: 0.01em; margin-bottom: 8px; }
.erc-mini-input-wrap { align-items: center; background: #FFFFFF; border: 1.5px solid #e2e8f0; border-radius: 12px; display: flex; height: 54px; padding: 0 16px; transition: border-color 0.2s, box-shadow 0.2s; }
.erc-mini-input-wrap:focus-within { border-color: #2F766E; box-shadow: 0 0 0 3px rgba(47, 118, 110, 0.1); }
.erc-mini-input-wrap.focus-mustard:focus-within { border-color: #E7B457; box-shadow: 0 0 0 3px rgba(231, 180, 87, 0.12); }
.erc-mini-prefix { color: #94a3b8; flex-shrink: 0; font-family: 'Space Grotesk', sans-serif; font-size: 18px; font-weight: 600; user-select: none; }
.erc-mini-suffix { color: #94a3b8; flex-shrink: 0; font-family: 'Space Grotesk', sans-serif; font-size: 18px; font-weight: 600; user-select: none; }
.erc-mini-input-wrap input { background: transparent; border: 0; color: #0B1026; flex: 1; font-family: 'Space Grotesk', sans-serif; font-size: 20px; font-weight: 600; min-width: 0; outline: 0; padding: 0 8px; width: 100%; }
.erc-mini-input-wrap input::placeholder { color: #cbd5e1; }
.erc-mini-input-wrap input::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.erc-mini-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.erc-mini-input-wrap input[type=number] { -moz-appearance: textfield; }
.erc-mini-result { background: #FFFFFF; border: 1px solid rgba(11, 16, 38, 0.05); border-radius: 14px; padding: 20px 22px; }
.erc-mini-result-row { align-items: baseline; display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; }
.erc-mini-result-row + .erc-mini-result-row { border-top: 1px solid #f1f5f9; margin-top: 14px; padding-top: 14px; }
.erc-mini-result-row strong { color: #94a3b8; font-family: 'Space Grotesk', sans-serif; font-size: 12px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; }
.erc-mini-result-row span { color: #2F766E; font-family: 'Space Grotesk', sans-serif; font-size: 28px; font-weight: 700; line-height: 1.1; }
.erc-mini-result-row.subdued span { color: #0B1026; font-size: 28px; font-weight: 700; }
.erc-mini-foot { color: #64748b; font-size: 12.5px; line-height: 1.55; margin: 14px 0 0; }
.erc-mini-foot a { color: #2F766E; text-decoration: underline; text-underline-offset: 2px; }
.erc-allowance-toggle { background: #f1f5f9; border-radius: 8px; display: inline-flex; gap: 0; margin: 0 4px; padding: 2px; vertical-align: middle; }
.erc-allowance-toggle button { background: transparent; border: 0; border-radius: 6px; color: #64748b; cursor: pointer; font-family: 'Space Grotesk', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.06em; padding: 4px 10px; text-transform: uppercase; transition: background 0.15s, color 0.15s; }
.erc-allowance-toggle button:hover { color: #0B1026; }
.erc-allowance-toggle button.is-active { background: #FFFFFF; box-shadow: 0 1px 3px rgba(11,16,38,0.08); color: #0B1026; }
.remo-cycle { background: linear-gradient(160deg, #FBF7F0 0%, #F5EFE6 100%); border: 1px solid rgba(11,16,38,0.05); border-radius: 24px; box-shadow: 0 12px 40px rgba(11,16,38,0.07); margin: 32px 0 40px; padding: 30px 30px 26px; }
.remo-cycle .rc-eyebrow { color: #C4922E; display: block; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.14em; margin: 0 0 4px; text-transform: uppercase; }
.remo-cycle .rc-title { color: #0B1026; font-family: 'DM Serif Display', serif; font-size: clamp(21px, 2.4vw, 27px); font-weight: 400; letter-spacing: -0.01em; line-height: 1.15; margin: 0 0 8px; }
.rc-track { align-items: center; display: flex; margin: 18px 0 42px; min-height: 64px; }
.rc-seg { align-items: center; border-radius: 18px; box-shadow: 0 6px 18px rgba(11,16,38,0.10); color: #FFFFFF; display: flex; flex: 1 1 0; flex-direction: column; height: 64px; justify-content: center; margin: 0 -10px; min-width: 0; padding: 0 14px; position: relative; text-align: center; z-index: 1; }
.rc-seg span { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; font-weight: 700; line-height: 1.05; white-space: nowrap; }
.rc-seg small { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 600; letter-spacing: 0.02em; margin-top: 3px; opacity: 0.92; }
.rc-seg--teal { background: linear-gradient(155deg, #348279, #2F766E); }
.rc-seg--mustard { background: linear-gradient(155deg, #EFC069, #E7B457); color: #5A3D00; }
.rc-seg--mustard small { opacity: 0.78; }
.rc-stop { display: flex; flex: 0 0 auto; justify-content: center; position: relative; width: 56px; z-index: 2; }
.rc-dot { align-items: center; border: 4px solid #F7F1E7; border-radius: 50%; box-shadow: 0 6px 16px rgba(11,16,38,0.16); display: flex; height: 52px; justify-content: center; width: 52px; }
.rc-dot svg { fill: none; height: 22px; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 22px; }
.rc-dot--navy { background: #0B1026; }
.rc-dot--navy svg { stroke: #FFFFFF; }
.rc-dot--coral { background: linear-gradient(150deg, #E8512E, #D4391C); }
.rc-dot--coral svg { stroke: #FFFFFF; }
.rc-dot--cream { background: #FFFFFF; border-color: #E7B457; }
.rc-inf { color: #C4922E; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 27px; font-weight: 700; line-height: 1; margin-top: -3px; }
.rc-label { color: #475569; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 12px; font-weight: 600; left: 50%; letter-spacing: 0.01em; position: absolute; top: calc(100% + 9px); transform: translateX(-50%); white-space: nowrap; }
.rc-stop:first-child .rc-label { color: #0B1026; }
.rc-stop:last-child .rc-label { color: #0B1026; }
.rc-chips { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.rc-chip { align-items: center; background: #FFFFFF; border: 1px solid rgba(11,16,38,0.07); border-radius: 999px; box-shadow: 0 3px 10px rgba(11,16,38,0.05); color: #0B1026; display: inline-flex; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 600; gap: 8px; padding: 9px 16px 9px 13px; }
.rc-chip svg { fill: none; flex-shrink: 0; height: 16px; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 16px; }
.rc-chip--coral svg { stroke: #D4391C; }
.rc-chip--teal svg { stroke: #2F766E; }
.rc-chip--navy svg { stroke: #0B1026; }
.remo-cycle figcaption { color: #64748b; font-size: 13.5px; line-height: 1.55; margin-top: 24px; text-align: center; }
.advisor-cta-wrap { margin: 56px 0; }
.ri-summary { flex: 0 0 210px; text-align: center; }
.ri-summary > a { color: inherit; display: block; text-decoration: none; }
.ri-g-logo svg { height: 30px; width: 30px; }
.ri-stars { display: flex; gap: 3px; justify-content: center; margin: 8px 0 6px; }
.ri-stars svg { fill: #E7B457; height: 16px; width: 16px; }
.ri-text { color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 700; }
.ri-text span { color: #64748b; font-weight: 500; }
.ri-quotes { border-left: 1px solid #f1f5f9; flex: 1; min-width: 260px; padding-left: 28px; }
.ri-stage { min-height: 100px; position: relative; }
.ri-quote { display: flex; flex-direction: column; inset: 0; justify-content: center; opacity: 0; pointer-events: none; position: absolute; transition: opacity 0.6s ease; }
.ri-quote.active { opacity: 1; pointer-events: auto; }
.ri-quote p { color: #334155 !important; font-size: 15px !important; font-style: italic; line-height: 1.55 !important; margin: 0 0 8px !important; }
.ri-attr { color: #64748b; font-size: 13px; }
.ri-attr a { color: #2F766E; text-decoration: underline; }
.ri-controls { align-items: center; display: flex; gap: 12px; margin-top: 14px; }
.ri-arrow { align-items: center; background: #FFFFFF; border: 1px solid #e2e8f0; border-radius: 50%; cursor: pointer; display: flex; height: 30px; justify-content: center; padding: 0; transition: border-color 0.2s, background 0.2s; width: 30px; }
.ri-arrow:hover { background: rgba(47, 118, 110, 0.06); border-color: #2F766E; }
.ri-arrow svg { fill: none; height: 14px; stroke: #475569; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 14px; }
.ri-arrow:hover svg { stroke: #2F766E; }
.ri-dots { display: flex; gap: 6px; }
.ri-dot { background: #e2e8f0; border: none; border-radius: 50%; cursor: pointer; height: 8px; padding: 0; transition: background 0.2s, transform 0.2s; width: 8px; }
.ri-dot:hover { background: #94a3b8; }
.ri-dot.active { background: #2F766E; transform: scale(1.2); }
.reasons-grid { display: grid; gap: 14px; grid-template-columns: repeat(2, 1fr); margin: 18px 0 4px; }
.reason-card { align-items: flex-start; background: #FFFFFF; border: 1px solid rgba(11,16,38,0.07); border-radius: 16px; box-shadow: 0 4px 14px rgba(11,16,38,0.05); display: flex; gap: 14px; padding: 18px 18px 18px 16px; }
.reason-ic { align-items: center; border-radius: 12px; display: flex; flex-shrink: 0; height: 44px; justify-content: center; width: 44px; }
.reason-ic svg { fill: none; height: 22px; stroke: #FFFFFF; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 22px; }
.reason-ic--teal { background: linear-gradient(150deg, #348279, #2F766E); }
.reason-ic--mustard { background: linear-gradient(150deg, #EFC069, #E7B457); }
.reason-ic--coral { background: linear-gradient(150deg, #E8512E, #D4391C); }
.reason-ic--navy { background: #0B1026; }
.reason-body strong { color: #0B1026; display: block; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 15px; font-weight: 700; line-height: 1.2; margin-bottom: 3px; }
.reason-body span { color: #64748b; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 500; line-height: 1.45; }
.route-compare { display: flex; flex-direction: column; gap: 16px; margin: 36px 0; }
.rc2-lane { background: #F8FAFC; border: 1px solid #e2e8f0; border-radius: 14px; padding: 18px 20px; }
.rc2-tag { border-radius: 6px; display: inline-block; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.06em; margin-bottom: 14px; padding: 4px 12px; text-transform: uppercase; }
.rc2-tag--muted { background: #e2e8f0; color: #64748b; }
.rc2-tag--teal { background: #2F766E; color: #FFFFFF; }
.rc2-flow { align-items: center; display: flex; flex-wrap: wrap; gap: 10px; }
.rc2-node { background: #FFFFFF; border: 1px solid #e2e8f0; border-radius: 10px; color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; font-weight: 600; padding: 10px 14px; }
.rc2-node--broker { border-color: #2F766E; color: #2F766E; }
.rc2-node--win { background: rgba(47,118,110,0.1); border-color: #2F766E; color: #1d5a54; }
.rc2-arrow { color: #94a3b8; font-size: 18px; font-weight: 700; }
.rollup-bars { align-items: flex-end; display: flex; gap: 12px; margin: 22px 0 8px; min-height: 200px; }
.rollup-col { align-items: center; display: flex; flex: 1 1 0; flex-direction: column; justify-content: flex-end; min-width: 0; }
.rollup-bar { border-radius: 12px 12px 4px 4px; box-shadow: 0 6px 18px rgba(11,16,38,0.10); display: flex; flex-direction: column; justify-content: flex-end; max-width: 64px; overflow: hidden; position: relative; width: 100%; }
.rollup-bar-principal { background: linear-gradient(155deg, #348279, #2F766E); width: 100%; }
.rollup-bar-interest { background: linear-gradient(155deg, #EFC069, #E7B457); width: 100%; }
.rollup-amount { color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 700; margin-bottom: 8px; }
.rollup-year { color: #475569; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 12px; font-weight: 600; letter-spacing: 0.01em; margin-top: 10px; }
.rollup-legend { display: flex; flex-wrap: wrap; gap: 16px; justify-content: center; margin-top: 18px; }
.rollup-key { align-items: center; color: #0B1026; display: inline-flex; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 600; gap: 8px; }
.rollup-swatch { border-radius: 4px; flex-shrink: 0; height: 14px; width: 14px; }
.rollup-swatch--teal { background: #2F766E; }
.rollup-swatch--mustard { background: #E7B457; }
.article-lead { border-radius: 16px; box-shadow: 0 8px 28px rgba(11,16,38,0.08); line-height: 0; margin: 0 0 40px; overflow: hidden; }
.article-lead img { display: block; height: auto; width: 100%; }
.article-lead figcaption { color: #94a3b8; font-size: 13px; font-style: italic; line-height: 1.4; padding: 10px 4px 0; }
.reviews-lead { border-bottom: 1px solid #f1f5f9; color: #0B1026; flex: 1 1 100%; font-family: 'DM Serif Display', serif; font-size: clamp(19px, 2vw, 23px); font-weight: 400; line-height: 1.25; margin: 0; padding-bottom: 22px; text-align: center; }
.article-content .calc-cta { align-items: center; background: rgba(47, 118, 110, 0.06); border: 1px solid rgba(47, 118, 110, 0.16); border-radius: 16px; display: flex; gap: 20px; margin: 36px 0; padding: 22px 24px; }
.article-content .calc-cta-icon { align-items: center; background: #2F766E; border-radius: 12px; display: flex; flex-shrink: 0; height: 48px; justify-content: center; width: 48px; }
.article-content .calc-cta-icon svg { fill: none; height: 24px; stroke: #FFFFFF; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 24px; }
.article-content .calc-cta-text { flex: 1; min-width: 0; }
.article-content .calc-cta-text h3 { color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 17px; font-weight: 700; margin: 0 0 4px; }
.article-content .calc-cta-text p { color: #475569; font-size: 14px; line-height: 1.5; margin: 0; }
.article-content .calc-cta .btn { flex-shrink: 0; font-size: 14px; padding: 12px 22px; white-space: nowrap; }
.reviews-block { margin: 44px 0; }
.reviews-inline .ri-heading { border-bottom: 1px solid #eef2f6; color: #0B1026; font-family: 'DM Serif Display', serif; font-size: 20px; font-weight: 400; margin: 0 0 24px; padding-bottom: 20px; text-align: center; }
.ri-body { align-items: center; display: flex; flex-wrap: wrap; gap: 32px; }
.article-figure { margin: 32px 0; }
.article-figure img { border-radius: 16px; display: block; height: auto; width: 100%; }
.article-figure figcaption { color: #64748b; font-size: 14px; font-style: italic; margin-top: 10px; text-align: center; }
.article-content h4 { color: #475569; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 15px; font-weight: 700; letter-spacing: 0.02em; margin-bottom: 10px; margin-top: 28px; text-transform: uppercase; }
.article-content .full-cta-banner .full-cta-buttons { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }
.article-content .full-cta-banner .btn-cta-secondary { background: rgba(255,255,255,0.12); border: 1.5px solid rgba(255,255,255,0.4); color: #FFFFFF; }
.lender-tier-label { align-items: center; background: rgba(47, 118, 110, 0.08); border-radius: 999px; color: #2F766E; display: inline-flex; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 12px; font-weight: 700; gap: 10px; letter-spacing: 0.08em; margin: 36px 0 14px; padding: 6px 14px; text-transform: uppercase; }
.lender-tier-label.tier-amber { background: rgba(231, 180, 87, 0.12); color: #C4922E; }
.lender-tier-label.tier-coral { background: rgba(212, 57, 28, 0.08); color: #B0463F; }
.lender-tier-label.tier-grey { background: rgba(71, 85, 105, 0.08); color: #475569; }
.table-note { color: #64748b; font-size: 14px; font-style: italic; margin: 0 0 32px; }
.scenario-list { display: flex; flex-direction: column; gap: 14px; list-style: none; margin: 28px 0 32px; padding: 0; }
.scenario-list li { background: #FFFFFF; border: 1px solid #e2e8f0; border-radius: 12px; color: #334155; font-size: 16px; line-height: 1.55; padding: 16px 20px; }
.scenario-list li strong { color: #0B1026; }
.scenario-list .scenario-result-pass { color: #2F766E; font-weight: 600; }
.scenario-list .scenario-result-fail { color: #B0463F; font-weight: 600; }
.loan-stack-viz { margin: 28px 0 36px; }
.loan-stack-total { align-items: baseline; display: flex; flex-wrap: wrap; gap: 8px; justify-content: space-between; margin-bottom: 10px; padding: 0 4px; }
.loan-stack-total-label { color: #64748b; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; }
.loan-stack-total-amount { color: #0B1026; font-family: 'DM Serif Display', serif; font-size: clamp(22px, 3vw, 28px); }
.loan-stack-bar { border: 1px solid rgba(11,16,38,0.08); border-radius: 12px; display: flex; height: 100px; overflow: hidden; width: 100%; }
.loan-stack-segment { align-items: center; display: flex; flex-direction: column; justify-content: center; min-width: 0; padding: 8px 12px; text-align: center; }
.loan-stack-1 { background: linear-gradient(135deg, #2F766E, #1d5a54); color: #FFFFFF; }
.loan-stack-2 { background: linear-gradient(135deg, #E7B457, #d4a64a); color: #0B1026; }
.loan-stack-segment-amount { font-family: 'DM Serif Display', serif; font-size: clamp(18px, 2.2vw, 22px); line-height: 1.1; }
.loan-stack-segment-rate { font-family: 'Plus Jakarta Sans', sans-serif; font-size: 13px; font-weight: 600; margin-top: 4px; opacity: 0.85; }
.loan-stack-legend { display: grid; gap: 14px; grid-template-columns: 1fr; margin-top: 18px; padding: 0 4px; }
.loan-stack-legend-item { align-items: flex-start; display: flex; gap: 12px; }
.loan-stack-legend-swatch { border-radius: 4px; flex-shrink: 0; height: 16px; margin-top: 4px; width: 16px; }
.loan-stack-legend-swatch.swatch-1 { background: linear-gradient(135deg, #2F766E, #1d5a54); }
.loan-stack-legend-swatch.swatch-2 { background: linear-gradient(135deg, #E7B457, #d4a64a); }
.loan-stack-legend-item-body { display: flex; flex-direction: column; gap: 2px; }
.loan-stack-legend-item-body strong { color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; font-weight: 700; }
.loan-stack-legend-item-body span { color: #64748b; font-size: 13px; line-height: 1.5; }
.article-content .full-cta-banner .cta-row { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.route-grid { display: grid; gap: 20px; grid-template-columns: 1fr; margin: 28px 0 36px; }
.rc-card { background: #FFFFFF; border: 1px solid rgba(11,16,38,0.04); border-radius: 18px; box-shadow: 0 4px 20px rgba(11,16,38,0.06); display: flex; flex-direction: column; overflow: hidden; transition: transform 0.25s ease, box-shadow 0.25s ease; }
.rc-card:hover { box-shadow: 0 14px 30px rgba(11,16,38,0.1); transform: translateY(-3px); }
.rc-header { align-items: center; display: flex; font-family: 'Plus Jakarta Sans', sans-serif; gap: 12px; padding: 14px 20px; }
.rc-header svg { fill: none; flex-shrink: 0; height: 20px; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 20px; }
.rc-header-labels { display: flex; flex-direction: column; gap: 2px; line-height: 1.2; min-width: 0; }
.rc-header-route { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; opacity: 0.7; text-transform: uppercase; }
.rc-header-tag { font-size: 13px; font-weight: 700; letter-spacing: 0.02em; }
.rc-header-teal { background: #2F766E; color: #FFFFFF; }
.rc-header-mustard { background: #E7B457; color: #0B1026; }
.rc-header-navy { background: #0B1026; color: #FFFFFF; }
.rc-body { display: flex; flex: 1; flex-direction: column; gap: 10px; padding: 22px 22px 24px; }
.rc-body h3 { color: #0B1026; font-family: 'DM Serif Display', serif; font-size: 21px; font-weight: 400; line-height: 1.25; margin: 0; }
.rc-tag { align-self: flex-start; border-radius: 8px; display: inline-block; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.02em; line-height: 1.2; padding: 5px 11px; }
.rc-tag-teal { background: rgba(47, 118, 110, 0.1); color: #2F766E; }
.rc-tag-mustard { background: rgba(231, 180, 87, 0.18); color: #8B6614; }
.rc-tag-navy { background: rgba(11, 16, 38, 0.06); color: #0B1026; }
.rc-body p { color: #475569; font-size: 15px; line-height: 1.6; margin: 0; }
.team-cta-inline { background: #FFFFFF; border: 1px solid rgba(11, 16, 38, 0.05); border-radius: 20px; box-shadow: 0 8px 32px rgba(11, 16, 38, 0.06); margin: 40px 0; padding: 36px 28px 32px; text-align: center; }
.team-cta-avatars { align-items: center; display: flex; justify-content: center; margin-bottom: 10px; }
.team-cta-avatar { flex-shrink: 0; line-height: 0; margin: 0 -10px; width: 110px; }
.team-cta-avatar img { display: block; height: auto; width: 100%; }
.team-cta-inline h3 { color: #0B1026; font-family: 'DM Serif Display', serif; font-size: clamp(22px, 2.5vw, 26px); font-weight: 400; line-height: 1.2; margin: 0 0 8px; }
.team-cta-inline p { color: #475569; font-size: 15px; line-height: 1.55; margin: 0 0 22px; margin-left: auto; margin-right: auto; max-width: 380px; }
.team-cta-inline .btn-primary { background: #0B1026; border-radius: 10px; color: #FFFFFF; display: inline-block; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 15px; font-weight: 600; padding: 13px 26px; text-decoration: none; transition: background 0.2s, transform 0.2s; }
.team-cta-inline .btn-primary:hover { background: #1d2a52; transform: translateY(-1px); }
.team-cta-inline .cta-micro-line { color: rgba(11, 16, 38, 0.45); font-family: 'Caveat', cursive; font-size: 19px; font-style: italic; font-weight: 500; letter-spacing: 0.02em; line-height: 1.2; margin: 16px 0 0; max-width: none; text-align: center; }
.lender-overview { display: grid; gap: 16px; grid-template-columns: 1fr; margin: 28px 0 36px; }
.lender-tile { background: #FFFFFF; border: 1px solid #e2e8f0; border-radius: 14px; display: flex; flex-direction: column; gap: 10px; padding: 22px 22px 24px; }
.lender-tile-icon { align-items: center; border-radius: 10px; display: flex; flex-shrink: 0; height: 36px; justify-content: center; width: 36px; }
.lender-tile-icon svg { fill: none; height: 18px; stroke: currentColor; stroke-linecap: round; stroke-linejoin: round; stroke-width: 2; width: 18px; }
.lender-tile.tile-teal .lender-tile-icon { background: rgba(47, 118, 110, 0.12); color: #2F766E; }
.lender-tile.tile-mustard .lender-tile-icon { background: rgba(231, 180, 87, 0.18); color: #C4922E; }
.lender-tile.tile-navy .lender-tile-icon { background: rgba(11, 16, 38, 0.08); color: #0B1026; }
.lender-tile.tile-coral .lender-tile-icon { background: rgba(220, 100, 100, 0.1); color: #DC6464; }
.lender-tile h3 { color: #0B1026; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 16px; font-weight: 700; line-height: 1.3; margin: 0; }
.lender-tile p { color: #475569; font-size: 15px; line-height: 1.6; margin: 0; }

@media (min-width: 1024px) {
  .article-grid { gap: 56px; grid-template-columns: 240px 1fr; }
  .toc-sidebar { display: block; max-height: calc(100vh - 120px); overflow-y: auto; position: sticky; top: 96px; }
  .toc-mobile { display: none; }
}

@media (min-width: 768px) {
  .related-grid { grid-template-columns: repeat(3, 1fr); }
  .cta-section { padding: 120px 0; }
  .full-cta-banner { padding: 56px 48px; }
  .route-grid { gap: 22px; grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 640px) {
  .def-split { gap: 18px; grid-template-columns: 1fr 1fr; }
  .loan-stack-legend { gap: 24px; grid-template-columns: 1fr 1fr; }
  .lender-overview { gap: 18px; grid-template-columns: 1fr 1fr; }
}

@media (max-width: 600px) {
  .compact-cta { align-items: flex-start; flex-direction: column; gap: 14px; }
  .calc-callout { align-items: flex-start; flex-direction: column; gap: 14px; padding: 18px 18px 20px; }
  .calc-callout-btn { text-align: center; width: 100%; }
  .remo-cycle { border-radius: 20px; padding: 24px 18px 22px; }
  .rc-track { align-items: stretch; flex-direction: column; gap: 10px; margin: 18px 0 24px; min-height: 0; }
  .rc-seg { border-radius: 14px; flex-direction: row; gap: 10px; height: auto; justify-content: flex-start; margin: 0; padding: 13px 18px; }
  .rc-seg small { margin-top: 0; }
  .rc-stop { align-items: center; gap: 14px; justify-content: flex-start; padding-left: 4px; width: 100%; }
  .rc-dot { height: 42px; width: 42px; }
  .rc-dot svg { height: 19px; width: 19px; }
  .rc-inf { font-size: 22px; }
  .rc-label { font-size: 14px; position: static; transform: none; white-space: normal; }
  .rollup-bars { gap: 8px; min-height: 170px; }
  .rollup-amount { font-size: 11px; }
  .rollup-year { font-size: 11px; }
}

@media (min-width: 540px) {
  .erc-mini-inputs { gap: 16px; grid-template-columns: 1.4fr 1fr; }
}

@media (max-width: 640px) {
  .ri-summary { flex: 1 1 100%; }
  .ri-quotes { border-left: none; border-top: 1px solid #f1f5f9; padding-left: 0; padding-top: 18px; }
  .ri-stage { min-height: 130px; }
}

@media (max-width: 540px) {
  .reasons-grid { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .article-content .calc-cta { align-items: flex-start; flex-direction: column; gap: 14px; }
  .article-content .calc-cta .btn { text-align: center; width: 100%; }
}

@media (max-width: 480px) {
  .team-cta-avatar { margin: 0 -8px; width: 86px; }
}