/* ================================================================
   KCCU Financial Wellness — Main Stylesheet
   BRAND COLORS: Confirmed from KCCU logo (kimberlyclarkcu.org)
   Navy #1A2744 = wordmark; Blue #4A8FCC = swoosh accent
   ================================================================ */

/* ===== DESIGN TOKENS ===== */
:root {
  --kccu-navy:       #1A2744;   /* logo wordmark color */
  --kccu-blue:       #2D6AB4;   /* mid blue for text links */
  --kccu-light-blue: #5A92CC;   /* lighter blue */
  --kccu-teal:       #4A8FCC;   /* swoosh blue — primary accent */
  --kccu-light-teal: #7AAEDD;   /* light accent / hover */
  --kccu-green:      #27A25B;   /* KC-specific highlights (budget tool) */
  --kccu-warm-white: #FAFAF8;
  --kccu-sand:       #F2F4F7;
  --kccu-sky:        #EAF1F8;
  --kccu-text:       #1E2A3A;
  --kccu-text-light: #4A5568;
  --kccu-border:     #D8E2EC;
  --serif: 'Playfair Display', Georgia, serif;
  --sans:  'Source Sans 3', -apple-system, sans-serif;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--kccu-text);
  background: var(--kccu-warm-white);
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { transition: color 0.2s; }

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== TOP BAR ===== */
.top-bar {
  background: var(--kccu-navy);
  padding: 8px 0;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.7);
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  margin-left: 20px;
  transition: color 0.2s;
}
.top-bar a:hover { color: var(--kccu-light-teal); }
.top-bar .ncua { font-size: 11px; opacity: 0.6; }
.top-bar-links { display: flex; align-items: center; }

/* ===== HEADER / NAV ===== */
header {
  background: white;
  border-bottom: 1px solid var(--kccu-border);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 900;
  box-shadow: 0 2px 20px rgba(13, 52, 102, 0.06);
}
header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.logo-area {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.logo-img { height: 44px; width: auto; }
.logo-wordmark {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-wordmark img { height: 44px; width: auto; }
.logo-wordmark-divider {
  width: 1px;
  height: 32px;
  background: var(--kccu-border);
}
.logo-wellness-label {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 700;
  color: var(--kccu-navy);
  letter-spacing: 0.01em;
  line-height: 1.3;
}
.logo-wellness-label span {
  display: block;
  font-weight: 400;
  font-size: 11px;
  color: var(--kccu-text-light);
  letter-spacing: 0;
}
.logo-text {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 700;
  color: var(--kccu-navy);
  line-height: 1.2;
}
.logo-text span {
  display: block;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--kccu-teal);
  margin-top: 2px;
}

nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
nav a {
  color: var(--kccu-text);
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 6px;
  transition: background 0.2s, color 0.2s;
}
nav a:hover, nav a.active { background: var(--kccu-sky); color: var(--kccu-navy); }
nav a.cta-subscribe {
  background: var(--kccu-teal);
  color: white;
  margin-left: 8px;
}
nav a.cta-subscribe:hover { background: var(--kccu-navy); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--kccu-navy);
  border-radius: 2px;
  transition: transform 0.2s;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--kccu-navy) 0%, #1A4A7A 100%);
  color: white;
  padding: 72px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(0,122,138,0.2) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  margin-bottom: 24px;
  color: rgba(255,255,255,0.9);
}
.hero-badge .dot {
  width: 8px; height: 8px;
  background: var(--kccu-light-teal);
  border-radius: 50%;
}
.hero h2 {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  color: white;
}
.hero h2 em { font-style: italic; color: var(--kccu-light-teal); }
.hero > .container > .hero-grid > div > p {
  font-size: 17px;
  color: rgba(255,255,255,0.75);
  margin-bottom: 32px;
  max-width: 460px;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-primary {
  display: inline-block;
  background: var(--kccu-teal);
  color: white;
  padding: 14px 28px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 700;
  font-size: 15px;
  transition: background 0.2s, transform 0.15s;
}
.btn-primary:hover { background: var(--kccu-light-teal); transform: translateY(-1px); color: white; }
.btn-secondary {
  display: inline-block;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.25);
  color: white;
  padding: 14px 28px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  transition: background 0.2s;
}
.btn-secondary:hover { background: rgba(255,255,255,0.18); color: white; }

/* Hero card */
.hero-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 28px 24px;
  backdrop-filter: blur(8px);
}
.fhs-score-ring { position: relative; width: 180px; height: 180px; }
.fhs-score-ring svg { position: absolute; top: 0; left: 0; }
.score-text {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}
.score-number { font-family: var(--serif); font-size: 48px; font-weight: 800; color: white; line-height: 1; }
.score-label { font-size: 13px; font-weight: 600; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.06em; }
.fhs-categories { display: flex; flex-direction: column; gap: 10px; }
.fhs-cat { display: flex; align-items: center; gap: 10px; }
.fhs-cat-left { display: flex; align-items: center; gap: 8px; min-width: 100px; }
.fhs-cat-icon { width: 28px; height: 28px; border-radius: 6px; display: flex; align-items: center; justify-content: center; font-size: 14px; }
.fhs-cat-icon.saving { background: rgba(39,162,91,0.2); }
.fhs-cat-icon.spending { background: rgba(0,122,138,0.2); }
.fhs-cat-icon.debt { background: rgba(26,95,165,0.2); }
.fhs-cat-name { font-size: 13px; font-weight: 600; color: rgba(255,255,255,0.8); }
.fhs-cat-bar { flex: 1; height: 6px; background: rgba(255,255,255,0.1); border-radius: 3px; overflow: hidden; }
.fhs-cat-fill { height: 100%; border-radius: 3px; background: var(--kccu-teal); }
.fhs-cat-fill.good { background: var(--kccu-green); }
.fhs-cat-score { font-size: 13px; font-weight: 700; color: rgba(255,255,255,0.7); min-width: 28px; text-align: right; }
.hero-cta-secondary {
  display: inline-block;
  color: rgba(255,255,255,0.8);
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  padding: 12px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  width: 100%;
  margin-top: 16px;
  transition: color 0.2s;
}
.hero-cta-secondary:hover { color: var(--kccu-light-teal); }

/* ===== SECTION HEADINGS ===== */
.section-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--kccu-teal);
  margin-bottom: 8px;
}
.section-title {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--kccu-navy);
  margin-bottom: 12px;
}
.section-desc {
  font-size: 16px;
  color: var(--kccu-text-light);
  max-width: 560px;
}
.section-header { margin-bottom: 40px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-desc { margin: 0 auto; }

/* ===== KC BENEFITS SPOTLIGHT ===== */
.benefits-spotlight {
  background: var(--kccu-sky);
  padding: 56px 0;
  border-top: 3px solid var(--kccu-teal);
}
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 32px;
}
.benefit-card {
  background: white;
  border-radius: 12px;
  padding: 24px;
  border: 1px solid var(--kccu-border);
}
.benefit-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--kccu-sky);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  margin-bottom: 14px;
}
.benefit-card h3 {
  font-family: var(--serif);
  font-size: 17px;
  font-weight: 700;
  color: var(--kccu-navy);
  margin-bottom: 8px;
}
.benefit-card p { font-size: 14px; color: var(--kccu-text-light); margin-bottom: 12px; }
.benefit-card a { font-size: 14px; font-weight: 600; color: var(--kccu-teal); text-decoration: none; }
.benefit-card a:hover { color: var(--kccu-navy); }

/* ===== TOPIC CARDS (learn.html) ===== */
.topics-section { padding: 64px 0; }
.topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 48px;
}
.topic-card {
  background: white;
  border: 1px solid var(--kccu-border);
  border-radius: 12px;
  padding: 24px;
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.15s;
  text-decoration: none;
  display: block;
}
.topic-card:hover {
  border-color: var(--kccu-teal);
  box-shadow: 0 4px 20px rgba(0,122,138,0.1);
  transform: translateY(-2px);
}
.topic-icon { font-size: 28px; margin-bottom: 12px; }
.topic-card h3 { font-size: 16px; font-weight: 700; color: var(--kccu-navy); margin-bottom: 6px; }
.topic-card p { font-size: 13px; color: var(--kccu-text-light); }

/* ===== ARTICLE CARDS ===== */
.articles-section { padding: 48px 0 80px; background: var(--kccu-sand); }
.filter-bar {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
.filter-pill {
  background: white;
  border: 1px solid var(--kccu-border);
  color: var(--kccu-text);
  padding: 7px 16px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s, color 0.2s;
}
.filter-pill:hover { border-color: var(--kccu-teal); color: var(--kccu-teal); }
.filter-pill.active { background: var(--kccu-teal); border-color: var(--kccu-teal); color: white; }
.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.article-card {
  background: white;
  border-radius: 12px;
  border: 1px solid var(--kccu-border);
  padding: 20px 22px;
  text-decoration: none;
  display: block;
  transition: box-shadow 0.2s, transform 0.15s;
}
.article-card:hover { box-shadow: 0 4px 16px rgba(13,52,102,0.08); transform: translateY(-2px); }
.article-meta { font-size: 11px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--kccu-teal); margin-bottom: 8px; }
.article-card h3 { font-size: 15px; font-weight: 700; color: var(--kccu-navy); margin-bottom: 8px; line-height: 1.4; }
.article-card p { font-size: 13px; color: var(--kccu-text-light); line-height: 1.55; }
.article-read-time { font-size: 12px; color: var(--kccu-text-light); margin-top: 10px; }

/* ===== PATHWAYS ===== */
.pathways-hero {
  background: linear-gradient(135deg, var(--kccu-navy) 0%, #1A4A7A 100%);
  color: white;
  padding: 56px 0;
}
.pathways-hero h1 {
  font-family: var(--serif);
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 12px;
}
.pathways-hero p { font-size: 17px; color: rgba(255,255,255,0.75); max-width: 540px; }
.pathway-track {
  display: flex;
  align-items: center;
  gap: 0;
  padding: 32px 0;
  overflow-x: auto;
}
.pathway-step {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.pathway-step-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  padding: 8px 12px;
  border-radius: 10px;
  transition: background 0.2s;
  text-decoration: none;
}
.pathway-step-inner:hover { background: var(--kccu-sky); }
.pathway-step-circle {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: white;
  border: 2px solid var(--kccu-border);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.pathway-step-inner:hover .pathway-step-circle {
  border-color: var(--kccu-teal);
  box-shadow: 0 0 0 4px rgba(0,122,138,0.1);
}
.pathway-step-label { font-size: 12px; font-weight: 600; color: var(--kccu-text-light); text-align: center; max-width: 80px; }
.pathway-connector { width: 40px; height: 2px; background: var(--kccu-border); flex-shrink: 0; }

.pathway-section { padding: 56px 0; }
.pathway-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.pathway-detail-card {
  background: white;
  border: 1px solid var(--kccu-border);
  border-radius: 14px;
  padding: 28px;
  transition: box-shadow 0.2s;
}
.pathway-detail-card:hover { box-shadow: 0 4px 20px rgba(13,52,102,0.08); }
.pathway-detail-header { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 16px; }
.pathway-detail-icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: var(--kccu-sky);
  display: flex; align-items: center; justify-content: center;
  font-size: 24px; flex-shrink: 0;
}
.pathway-detail-card h3 { font-family: var(--serif); font-size: 19px; font-weight: 700; color: var(--kccu-navy); margin-bottom: 4px; }
.pathway-lesson-count { font-size: 12px; color: var(--kccu-teal); font-weight: 600; }
.pathway-lessons { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.pathway-lessons li a {
  display: flex; align-items: center; gap: 8px;
  font-size: 14px; color: var(--kccu-text); text-decoration: none;
  padding: 6px 0;
  border-bottom: 1px solid var(--kccu-border);
  transition: color 0.2s;
}
.pathway-lessons li:last-child a { border-bottom: none; }
.pathway-lessons li a:hover { color: var(--kccu-teal); }
.pathway-lessons li a::before { content: '→'; color: var(--kccu-teal); font-size: 13px; }

/* ===== GUIDES ===== */
.guides-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  padding: 48px 0 80px;
}
.guide-card {
  background: white;
  border: 1px solid var(--kccu-border);
  border-radius: 14px;
  padding: 28px;
  display: flex;
  flex-direction: column;
}
.guide-type-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--kccu-teal);
  background: var(--kccu-sky);
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 14px;
  align-self: flex-start;
}
.guide-card h3 { font-family: var(--serif); font-size: 20px; font-weight: 700; color: var(--kccu-navy); margin-bottom: 10px; }
.guide-card p { font-size: 14px; color: var(--kccu-text-light); margin-bottom: 20px; flex: 1; }
.guide-actions { display: flex; gap: 10px; }
.btn-guide-view {
  display: inline-block;
  background: var(--kccu-teal);
  color: white;
  padding: 10px 20px;
  border-radius: 6px;
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  transition: background 0.2s;
}
.btn-guide-view:hover { background: var(--kccu-navy); color: white; }
.btn-guide-outline {
  display: inline-block;
  border: 1px solid var(--kccu-border);
  color: var(--kccu-text);
  padding: 10px 20px;
  border-radius: 6px;
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  transition: border-color 0.2s;
}
.btn-guide-outline:hover { border-color: var(--kccu-teal); color: var(--kccu-teal); }
.guide-kc-badge {
  display: inline-flex; align-items: center; gap: 5px;
  background: rgba(39,162,91,0.08);
  color: var(--kccu-green);
  font-size: 11px; font-weight: 700;
  padding: 3px 8px; border-radius: 4px;
  margin-bottom: 14px;
  margin-left: 6px;
}

/* ===== BUDGET BUILDER ===== */
.budget-builder {
  padding: 64px 0 80px;
}
.builder-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.builder-form {
  background: white;
  border: 1px solid var(--kccu-border);
  border-radius: 16px;
  padding: 32px;
}
.form-group { margin-bottom: 22px; }
.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--kccu-text);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.form-group label .label-hint {
  font-weight: 400;
  text-transform: none;
  letter-spacing: 0;
  color: var(--kccu-text-light);
  font-size: 12px;
}
.form-control {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--kccu-border);
  border-radius: 8px;
  font-size: 15px;
  font-family: var(--sans);
  color: var(--kccu-text);
  background: white;
  transition: border-color 0.2s;
  appearance: none;
}
.form-control:focus { outline: none; border-color: var(--kccu-teal); box-shadow: 0 0 0 3px rgba(0,122,138,0.1); }
.pay-type-toggle { display: flex; gap: 8px; }
.pay-type-btn {
  flex: 1;
  padding: 10px;
  border: 1px solid var(--kccu-border);
  border-radius: 8px;
  background: white;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 600;
  color: var(--kccu-text-light);
  cursor: pointer;
  transition: all 0.2s;
}
.pay-type-btn.active { background: var(--kccu-teal); border-color: var(--kccu-teal); color: white; }
.contribution-row { display: flex; align-items: center; gap: 12px; }
.contribution-row input[type="range"] {
  flex: 1;
  accent-color: var(--kccu-teal);
}
.contribution-pct {
  font-size: 17px;
  font-weight: 700;
  color: var(--kccu-teal);
  min-width: 40px;
  text-align: right;
}
.form-hint { font-size: 12px; color: var(--kccu-text-light); margin-top: 5px; }
.form-hint strong { color: var(--kccu-green); }

.builder-results {
  position: sticky;
  top: 90px;
}
.results-card {
  background: linear-gradient(135deg, var(--kccu-navy) 0%, #1A4A7A 100%);
  border-radius: 16px;
  padding: 28px;
  color: white;
  margin-bottom: 16px;
}
.results-card h3 {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 20px;
  color: white;
}
.pay-breakdown { display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.pay-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
}
.pay-row.total {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 10px;
  margin-top: 4px;
  font-size: 16px;
  font-weight: 700;
}
.pay-label { color: rgba(255,255,255,0.7); }
.pay-label.deduction { color: rgba(255,120,120,0.8); }
.pay-value { font-weight: 600; }
.pay-value.positive { color: var(--kccu-light-teal); }
.pay-value.negative { color: rgba(255,150,150,0.9); }

.budget-breakdown {
  background: white;
  border: 1px solid var(--kccu-border);
  border-radius: 16px;
  padding: 24px;
}
.budget-breakdown h3 {
  font-family: var(--serif);
  font-size: 17px;
  font-weight: 700;
  color: var(--kccu-navy);
  margin-bottom: 16px;
}
.budget-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--kccu-border);
}
.budget-row:last-child { border-bottom: none; }
.budget-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; }
.budget-dot.needs { background: var(--kccu-navy); }
.budget-dot.wants { background: var(--kccu-teal); }
.budget-dot.savings { background: var(--kccu-green); }
.budget-row-label { flex: 1; font-size: 14px; font-weight: 600; color: var(--kccu-text); }
.budget-row-pct { font-size: 13px; color: var(--kccu-text-light); }
.budget-row-amount { font-size: 15px; font-weight: 700; color: var(--kccu-navy); }

.kc-match-card {
  background: rgba(39,162,91,0.06);
  border: 1px solid rgba(39,162,91,0.2);
  border-radius: 12px;
  padding: 16px;
  margin-top: 16px;
}
.kc-match-card h4 { font-size: 13px; font-weight: 700; color: var(--kccu-green); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 8px; }
.kc-match-row { display: flex; justify-content: space-between; font-size: 13px; margin-bottom: 4px; }
.kc-match-row span:first-child { color: var(--kccu-text-light); }
.kc-match-row span:last-child { font-weight: 700; color: var(--kccu-green); }
.disclaimer { font-size: 11px; color: var(--kccu-text-light); margin-top: 8px; font-style: italic; }

/* ===== NEWSLETTER ===== */
.newsletter-section {
  background: var(--kccu-navy);
  padding: 64px 0;
}
.newsletter-section .section-label { color: var(--kccu-light-teal); }
.newsletter-section .section-title { color: white; }
.newsletter-section .section-desc { color: rgba(255,255,255,0.7); }
.newsletter-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.subscribe-form { display: flex; gap: 10px; margin-top: 24px; flex-wrap: wrap; }
.subscribe-form input {
  flex: 1;
  padding: 12px 16px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,0.15);
  background: rgba(255,255,255,0.08);
  color: white;
  font-size: 15px;
  font-family: var(--sans);
  min-width: 200px;
}
.subscribe-form input::placeholder { color: rgba(255,255,255,0.4); }
.subscribe-form input:focus { outline: none; border-color: var(--kccu-light-teal); }
.subscribe-form button {
  padding: 12px 24px;
  background: var(--kccu-teal);
  color: white;
  border: none;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  font-family: var(--sans);
  transition: background 0.2s;
}
.subscribe-form button:hover { background: var(--kccu-light-teal); }
.newsletter-preview {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 14px;
  padding: 24px;
}
.newsletter-preview-label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--kccu-light-teal); margin-bottom: 12px; }
.preview-item { padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.preview-item:last-child { border-bottom: none; }
.preview-item h4 { font-size: 14px; font-weight: 600; color: rgba(255,255,255,0.85); margin-bottom: 3px; }
.preview-item p { font-size: 12px; color: rgba(255,255,255,0.5); }

/* ===== FOOTER ===== */
footer {
  background: #0A1F3A;
  color: rgba(255,255,255,0.6);
  padding: 48px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand h4 {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 700;
  color: white;
  margin-bottom: 8px;
}
.footer-brand p { font-size: 13px; line-height: 1.7; }
.footer-col h5 { font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 14px; }
.footer-col a {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  margin-bottom: 8px;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--kccu-light-teal); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
}
.footer-bottom a { color: rgba(255,255,255,0.5); text-decoration: none; }
.footer-bottom a:hover { color: white; }

/* ===== PAGE HERO (interior pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--kccu-navy) 0%, #1A4A7A 100%);
  color: white;
  padding: 52px 0 56px;
}
.page-hero h1 {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  margin-bottom: 12px;
  color: white;
}
.page-hero p { font-size: 16px; color: rgba(255,255,255,0.75); max-width: 580px; }

/* ===== ARTICLE ===== */
.article-hero {
  background: linear-gradient(135deg, var(--kccu-navy) 0%, #1A4A7A 100%);
  color: white;
  padding: 48px 0;
}
.article-label { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--kccu-light-teal); margin-bottom: 10px; }
.article-hero h1 {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: white;
  max-width: 700px;
  margin-bottom: 12px;
}
.article-hero .article-meta-row { font-size: 13px; color: rgba(255,255,255,0.6); }
.article-body { max-width: 740px; margin: 48px auto 80px; padding: 0 24px; }
.article-body h2 { font-family: var(--serif); font-size: 1.6rem; font-weight: 700; color: var(--kccu-navy); margin: 36px 0 14px; }
.article-body h3 { font-size: 1.1rem; font-weight: 700; color: var(--kccu-navy); margin: 24px 0 10px; }
.article-body p { margin-bottom: 16px; color: var(--kccu-text); }
.article-body ul, .article-body ol { margin: 0 0 16px 24px; color: var(--kccu-text); }
.article-body li { margin-bottom: 6px; }
.article-cta-box {
  background: var(--kccu-sky);
  border: 1px solid var(--kccu-border);
  border-left: 4px solid var(--kccu-teal);
  border-radius: 8px;
  padding: 20px 24px;
  margin: 32px 0;
}
.article-cta-box p { margin-bottom: 10px; font-weight: 600; color: var(--kccu-navy); }
.article-cta-box a { color: var(--kccu-teal); font-weight: 600; text-decoration: none; }
.article-cta-box a:hover { color: var(--kccu-navy); }

/* ===== ARTICLE CONTENT ===== */
.article-body {
  padding: 56px 0 80px;
}
.article-content {
  max-width: 720px;
  margin: 0 auto;
}
.article-content h2 {
  font-family: var(--serif);
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--kccu-navy);
  margin: 40px 0 14px;
  padding-top: 8px;
  border-top: 1px solid var(--kccu-border);
}
.article-content h2:first-child {
  margin-top: 0;
  border-top: none;
  padding-top: 0;
}
.article-content h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--kccu-navy);
  margin: 24px 0 8px;
}
.article-content p { margin-bottom: 16px; color: var(--kccu-text); line-height: 1.7; }
.article-content ul,
.article-content ol { margin: 0 0 16px 24px; color: var(--kccu-text); }
.article-content li { margin-bottom: 6px; line-height: 1.65; }

/* Article tables */
.article-table-wrap {
  overflow-x: auto;
  margin: 20px 0 24px;
  border-radius: 8px;
  border: 1px solid var(--kccu-border);
}
.article-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.article-table th {
  background: var(--kccu-navy);
  color: white;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 11px 16px;
  text-align: left;
  white-space: nowrap;
}
.article-table th:first-child { border-radius: 8px 0 0 0; }
.article-table th:last-child  { border-radius: 0 8px 0 0; }
.article-table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--kccu-border);
  color: var(--kccu-text);
  vertical-align: top;
}
.article-table tbody tr:last-child td { border-bottom: none; }
.article-table tbody tr:nth-child(even) td { background: var(--kccu-sand); }
.article-table tbody tr:hover td { background: var(--kccu-sky); }
.article-caption {
  font-size: 12px;
  color: var(--kccu-text-light);
  font-style: italic;
  margin-top: -16px;
  margin-bottom: 20px;
}

/* Article callout box */
.article-callout {
  background: var(--kccu-sky);
  border-left: 4px solid var(--kccu-teal);
  border-radius: 0 8px 8px 0;
  padding: 18px 22px;
  margin: 24px 0;
  font-size: 15px;
  color: var(--kccu-text);
  line-height: 1.65;
}
.article-callout strong { color: var(--kccu-navy); }

/* Article disclaimer */
.article-disclaimer {
  font-size: 13px;
  color: var(--kccu-text-light);
  font-style: italic;
  border-top: 1px solid var(--kccu-border);
  padding-top: 20px;
  margin-top: 40px;
  line-height: 1.6;
}

/* Related articles / tools section */
.article-tools {
  margin-top: 40px;
  padding-top: 28px;
  border-top: 2px solid var(--kccu-border);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.article-tools .section-label {
  margin-bottom: 4px;
}
.article-tool-link {
  display: block;
  padding: 14px 18px;
  background: white;
  border: 1px solid var(--kccu-border);
  border-radius: 8px;
  color: var(--kccu-navy);
  text-decoration: none;
  font-size: 15px;
  font-weight: 600;
  transition: border-color 0.2s, background 0.2s, color 0.2s;
}
.article-tool-link:hover {
  border-color: var(--kccu-teal);
  background: var(--kccu-sky);
  color: var(--kccu-teal);
}

/* Checklist style (guides) */
.checklist { list-style: none; margin-left: 0; }
.checklist li {
  padding: 8px 0 8px 32px;
  position: relative;
  border-bottom: 1px solid var(--kccu-border);
  font-size: 15px;
}
.checklist li:last-child { border-bottom: none; }
.checklist li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 13px;
  width: 18px;
  height: 18px;
  border: 2px solid var(--kccu-border);
  border-radius: 4px;
  background: white;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .benefits-grid { grid-template-columns: 1fr; }
  .topics-grid { grid-template-columns: repeat(2, 1fr); }
  .articles-grid { grid-template-columns: repeat(2, 1fr); }
  .newsletter-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .pathway-grid { grid-template-columns: 1fr; }
  .guides-grid { grid-template-columns: 1fr; }
  .builder-layout { grid-template-columns: 1fr; }
  .builder-results { position: static; }
}

@media (max-width: 600px) {
  nav { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: white; padding: 16px; border-bottom: 1px solid var(--kccu-border); box-shadow: 0 8px 24px rgba(13,52,102,0.1); }
  nav.open { display: flex; }
  nav a { padding: 12px 16px; border-radius: 8px; }
  .nav-toggle { display: flex; }
  .topics-grid { grid-template-columns: 1fr; }
  .articles-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}