/* Blog & guides – shared article and hub styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary: #2563eb;
    --primary-hover: #1d4ed8;
    --text: #1e293b;
    --text-muted: #64748b;
    --border: #e2e8f0;
    --bg: #f8fafc;
    --card: #ffffff;
    --radius: 12px;
    --shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1);
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
}

/* Nav – same as homepage */
.nav-toggle {
    position: fixed;
    top: 20px;
    left: 20px;
    z-index: 1002;
    width: 44px;
    height: 44px;
    padding: 0;
    border: none;
    border-radius: var(--radius);
    background: var(--card);
    box-shadow: var(--shadow);
    cursor: pointer;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
}
.nav-toggle-bar { display: block; width: 20px; height: 2px; background: var(--primary); border-radius: 1px; transition: transform 0.2s, opacity 0.2s; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-overlay {
    position: fixed; inset: 0; z-index: 1000;
    background: rgba(0, 0, 0, 0.35);
    opacity: 0; visibility: hidden;
    transition: opacity 0.25s, visibility 0.25s;
}
.nav-overlay.nav-overlay-open { opacity: 1; visibility: visible; }

.nav-panel {
    position: fixed;
    top: 0; left: 0; bottom: 0;
    z-index: 1001;
    width: 260px;
    max-width: 85vw;
    background: var(--card);
    box-shadow: 4px 0 20px rgba(0, 0, 0, 0.12);
    transform: translateX(-100%);
    transition: transform 0.25s ease-out;
    overflow: auto;
}
.nav-panel.nav-panel-open { transform: translateX(0); }

.nav-panel-inner {
    padding: 72px 24px 24px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.nav-label {
    display: block;
    padding: 12px 16px;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-size: 0.8rem;
    margin-top: 8px;
}

.nav-link {
    display: block;
    padding: 12px 16px;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--text);
    text-decoration: none;
    border-radius: var(--radius);
    transition: background 0.2s, color 0.2s;
}
.nav-link:hover { background: rgba(37, 99, 235, 0.1); color: var(--primary); }

.nav-group {
    margin-top: 6px;
}
.nav-group-toggle {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 8px 16px 6px;
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-muted);
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
    border-radius: var(--radius);
    text-align: left;
}
.nav-group-toggle:hover {
    color: var(--primary);
}
.nav-group-chevron {
    display: inline-block;
    width: 0;
    height: 0;
    border-left: 5px solid transparent;
    border-right: 5px solid transparent;
    border-top: 6px solid currentColor;
    margin-left: 8px;
    flex-shrink: 0;
    transition: transform 0.2s;
}
.nav-group-expanded .nav-group-chevron {
    transform: rotate(180deg);
}
.nav-group-content {
    display: none;
    padding-left: 12px;
}
.nav-group-expanded .nav-group-content {
    display: block;
}
.nav-sublink {
    padding: 10px 16px 10px 28px;
    font-size: 0.95rem;
    font-weight: 500;
}

/* Header */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    text-align: center;
    padding: 24px 20px;
    background: var(--card);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
}
.header-logo { display: inline-block; line-height: 0; }
.header-logo img { display: block; width: 148px; height: 52px; object-fit: contain; }

/* Article page: 3-column layout when ad slots have content (left | content | right) */
.blog-page {
    display: flex;
    flex-wrap: nowrap;
    align-items: flex-start;
    justify-content: center;
    gap: 0;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 20px 80px;
}

.blog-main {
    flex: 1 1 auto;
    min-width: 0;
    max-width: 820px;
    margin: 0 auto;
    padding: 0 20px 80px;
}

/* Sidebar ad slots: no space until ad code is present (ins.adsbygoogle) */
.blog-ad-left,
.blog-ad-right {
    flex: 0 0 auto;
    width: 0;
    min-width: 0;
    overflow: hidden;
    display: none;
}

.blog-ad-left .ad-slot-side,
.blog-ad-right .ad-slot-side {
    margin: 0;
    min-height: 0;
    display: none;
}

/* When ad code is added, show slot and sidebar (desktop only) */
@media (min-width: 1200px) {
    .blog-ad-left:has(ins.adsbygoogle),
    .blog-ad-right:has(ins.adsbygoogle) {
        display: block;
        width: 160px;
        min-width: 160px;
        overflow: visible;
        position: sticky;
        top: 100px;
    }

    .blog-ad-left:has(ins.adsbygoogle) { order: 0; padding-right: 24px; }
    .blog-ad-right:has(ins.adsbygoogle) { order: 2; padding-left: 24px; }

    .blog-ad-left .ad-slot-side:has(ins.adsbygoogle),
    .blog-ad-right .ad-slot-side:has(ins.adsbygoogle) {
        display: block;
        min-height: 100px;
    }

    .blog-page:has(.blog-ad-left:has(ins.adsbygoogle)) .blog-main,
    .blog-page:has(.blog-ad-right:has(ins.adsbygoogle)) .blog-main {
        margin-left: 0;
        margin-right: 0;
    }
}

/* In-page ad container (blog hub and others): hidden until ins.adsbygoogle is added */
.ad-container {
    margin: 0;
    min-height: 0;
    display: none;
    justify-content: center;
    align-items: center;
}
.ad-container:has(ins.adsbygoogle) {
    display: flex;
    margin: 24px 0;
    min-height: 100px;
}
.ad-container ins.adsbygoogle { display: block; }
.ad-container.ad-incontent:has(ins.adsbygoogle) { margin: 28px 0; }

/* Article title */
.article-hero {
    padding: 32px 0 24px;
}
.article-hero h1 {
    font-size: clamp(1.75rem, 4vw, 2.25rem);
    font-weight: 700;
    color: var(--text);
    line-height: 1.25;
    margin-bottom: 12px;
}
.article-hero .article-meta {
    font-size: 0.95rem;
    color: var(--text-muted);
}

/* Short paragraphs – max ~3–4 lines */
.article-main p {
    margin-bottom: 1rem;
    max-width: 72ch;
    font-size: 1rem;
    line-height: 1.6;
    color: var(--text);
}

.article-main p:last-child { margin-bottom: 0; }

/* Section icon (theme-aligned, used in article headings and cards) */
.section-icon {
    flex-shrink: 0;
    width: 36px;
    height: 36px;
    border-radius: var(--radius);
    background: rgba(37, 99, 235, 0.12);
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
}
.section-icon svg {
    width: 20px;
    height: 20px;
}

/* Section headings with icons */
.article-section {
    margin-top: 40px;
    padding-top: 24px;
    border-top: 1px solid var(--border);
}

.article-section h2 {
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 10px;
}

/* Quick Snapshot card */
.snapshot-card {
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.08) 0%, rgba(37, 99, 235, 0.04) 100%);
    border: 2px solid rgba(37, 99, 235, 0.2);
    border-radius: var(--radius);
    padding: 24px;
    margin: 24px 0;
}

.snapshot-title,
.snapshot-card h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.snapshot-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
}

.snapshot-table th,
.snapshot-table td {
    padding: 10px 12px;
    text-align: left;
    border-bottom: 1px solid var(--border);
}

.snapshot-table th {
    font-weight: 600;
    color: var(--text);
    background: rgba(255, 255, 255, 0.6);
}

.snapshot-table tr:last-child td { border-bottom: none; }

.snapshot-table td { color: var(--text-muted); }

.snapshot-cta {
    margin-top: 20px;
}

.snapshot-cta .btn-primary {
    display: inline-block;
    background: var(--primary);
    color: #fff;
    font-weight: 600;
    padding: 12px 20px;
    border-radius: var(--radius);
    text-decoration: none;
    transition: background 0.2s;
}

.snapshot-cta .btn-primary:hover { background: var(--primary-hover); }

/* Where Your Money Goes - Infographic (fintech-style, vertical breakdown) */
.infographic {
    margin: 32px 0;
    padding: 0;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
    overflow: hidden;
}

.infographic-inner {
    padding: 24px 24px 20px;
}

.infographic-title {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 4px;
    letter-spacing: -0.01em;
}

.infographic-subtitle {
    font-size: 0.875rem;
    color: var(--text-muted);
    margin: 0 0 20px;
}

.infographic-bars {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.infographic-row {
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 6px 16px;
}

.infographic-label {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text);
}

.infographic-pct {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text-muted);
    min-width: 2.5em;
    text-align: right;
}

.infographic-track {
    grid-column: 1 / -1;
    height: 10px;
    background: #f1f5f9;
    border-radius: 5px;
    overflow: hidden;
}

.infographic-fill {
    height: 100%;
    border-radius: 5px;
    background: #cbd5e1;
    transition: width 0.4s ease;
}

.infographic-fill-primary {
    background: var(--primary);
}

.infographic-caption {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.55;
    margin: 0;
    padding: 16px 24px 20px;
    border-top: 1px solid var(--border);
    background: #fafbfc;
}

/* Infographic v2 - Reference style (full width to match snapshot table) */
.infographic-v2 {
    width: 100%;
}

.infographic-v2-inner {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
    overflow: hidden;
}

.infographic-v2-header {
    text-align: center;
    padding: 28px 24px 20px;
}

.infographic-v2-city {
    font-size: 1.85rem;
    font-weight: 700;
    color: #1e293b;
    margin: 0 0 4px;
    letter-spacing: -0.02em;
}

.infographic-v2-tagline {
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    color: var(--primary);
    margin: 0 0 14px;
}

.infographic-v2-divider {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    color: var(--text-muted);
    margin: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
}

.infographic-v2-divider::before,
.infographic-v2-divider::after {
    content: "";
    display: inline-block;
    flex: 1;
    max-width: 120px;
    height: 1px;
    background: var(--border);
}

.infographic-v2-chart-wrap {
    padding: 20px 28px 32px;
}

@media (min-width: 640px) {
    .infographic-v2-chart-wrap {
        padding-left: 48px;
        padding-right: 48px;
    }
}

.infographic-v2-chart-summary {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin: 0 0 20px;
    text-align: center;
}

.infographic-v2-chart-summary strong {
    color: var(--primary);
    font-weight: 700;
}

/* Bar chart - full width, clear labels */
.infographic-v2-bars {
    display: flex;
    flex-direction: column;
    gap: 16px;
    max-width: 560px;
    margin: 0 auto;
}

.infographic-v2-bar-row {
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 12px 20px;
}

.infographic-v2-bar-label {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text);
}

.infographic-v2-bar-pct {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-muted);
    min-width: 2.5em;
    text-align: right;
}

.infographic-v2-bar-track {
    grid-column: 1 / -1;
    height: 14px;
    background: #f1f5f9;
    border-radius: 7px;
    overflow: hidden;
}

.infographic-v2-bar-fill {
    height: 100%;
    border-radius: 7px;
    min-width: 4px;
    transition: width 0.4s ease;
}

.infographic-v2-bar-housing { background: #1e293b; }
.infographic-v2-bar-groceries { background: var(--primary); }
.infographic-v2-bar-transport { background: #ea580c; }
.infographic-v2-bar-utilities { background: #7dd3fc; }
.infographic-v2-bar-lifestyle { background: #94a3b8; }

/* Card icon colors (reuse legend color names) */
.infographic-v2-legend-housing { background: rgba(30, 41, 59, 0.12); color: #1e293b; }
.infographic-v2-legend-groceries { background: rgba(37, 99, 235, 0.12); color: var(--primary); }
.infographic-v2-legend-transport { background: rgba(234, 88, 12, 0.12); color: #ea580c; }
.infographic-v2-legend-utilities { background: rgba(125, 211, 252, 0.35); color: #0284c7; }
.infographic-v2-legend-lifestyle { background: rgba(148, 163, 184, 0.25); color: #64748b; }

/* Key cost cards */
.infographic-v2-cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    padding: 0 28px 20px;
}

@media (min-width: 640px) {
    .infographic-v2-cards {
        grid-template-columns: repeat(4, 1fr);
        padding-left: 48px;
        padding-right: 48px;
    }
}

.infographic-v2-card {
    background: #f8fafc;
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 14px 16px;
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.infographic-v2-card-icon {
    width: 32px;
    height: 32px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.infographic-v2-card-icon svg { width: 18px; height: 18px; }

.infographic-v2-card-label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-muted);
}

.infographic-v2-card-value {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text);
}

.infographic-v2-card-value small {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--text-muted);
}

.infographic-v2-disclaimer {
    font-size: 0.75rem;
    color: var(--text-muted);
    margin: 0 28px 0;
    padding-bottom: 16px;
    line-height: 1.5;
}

@media (min-width: 640px) {
    .infographic-v2-disclaimer {
        margin-left: 48px;
        margin-right: 48px;
    }
}

.infographic-v2-footer {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    padding: 14px 28px;
    background: var(--primary);
    color: #fff;
}

.infographic-v2-footer-brand {
    font-size: 0.9rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    color: #fff;
    text-decoration: none;
}

.infographic-v2-footer-brand:hover { color: #fff; opacity: 0.9; }

.infographic-v2-footer-sep {
    width: 1px;
    height: 16px;
    background: rgba(255, 255, 255, 0.5);
}

.infographic-v2-footer-link {
    font-size: 0.8rem;
    font-weight: 600;
    color: #fff;
    text-decoration: none;
}

.infographic-v2-footer-link:hover { color: #fff; opacity: 0.9; }

/* Cost breakdown bars */
.cost-bars {
    margin: 24px 0;
}

.cost-bar-row {
    margin-bottom: 12px;
}

.cost-bar-label {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    margin-bottom: 4px;
}

.cost-bar-label span:first-child { font-weight: 600; color: var(--text); }
.cost-bar-label span:last-child { color: var(--text-muted); }

.cost-bar-track {
    height: 20px;
    background: var(--border);
    border-radius: 10px;
    overflow: hidden;
}

.cost-bar-fill {
    height: 100%;
    border-radius: 10px;
    background: linear-gradient(90deg, var(--primary), #3b82f6);
    min-width: 4px;
    transition: width 0.3s ease;
}

/* Highlight boxes */
.highlight-box {
    margin: 20px 0;
    padding: 16px 20px;
    border-radius: var(--radius);
    border-left: 4px solid;
}

.highlight-box.insight {
    background: rgba(37, 99, 235, 0.08);
    border-left-color: var(--primary);
}

.highlight-box.watch {
    background: rgba(245, 158, 11, 0.1);
    border-left-color: #d97706;
}

.highlight-box.tip {
    background: rgba(34, 197, 94, 0.08);
    border-left-color: #16a34a;
}

.highlight-label {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 4px;
    font-size: 0.9rem;
}
.highlight-icon {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    border-radius: 8px;
    background: rgba(37, 99, 235, 0.15);
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
}
.highlight-icon svg { width: 16px; height: 16px; }
.highlight-icon-warn {
    background: rgba(217, 119, 6, 0.15);
    color: #b45309;
}
.highlight-box p { margin: 0; font-size: 0.95rem; max-width: none; }

/* Comparison table / card */
.comparison-card {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px;
    margin: 24px 0;
}

.comparison-card h3 { font-size: 1.1rem; margin-bottom: 12px; color: var(--text); }

.comparison-card table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
}

.comparison-card th,
.comparison-card td {
    padding: 8px 12px;
    text-align: left;
    border-bottom: 1px solid var(--border);
}

.comparison-card th { font-weight: 600; color: var(--text-muted); }
.comparison-card tr:last-child td { border-bottom: none; }

.comparison-card .comparison-cta {
    margin-top: 14px;
}

.comparison-card .comparison-cta a {
    font-weight: 600;
    color: var(--primary);
    text-decoration: none;
}

.comparison-card .comparison-cta a:hover { text-decoration: underline; }

/* Sample budget card */
.budget-card {
    background: rgba(37, 99, 235, 0.06);
    border: 2px solid rgba(37, 99, 235, 0.18);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin: 24px 0;
}

.budget-card-title,
.budget-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.budget-card table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
}

.budget-card th,
.budget-card td {
    padding: 8px 0;
    border-bottom: 1px solid rgba(37, 99, 235, 0.15);
}

.budget-card th { font-weight: 600; color: var(--text-muted); text-align: left; }
.budget-card td { text-align: right; color: var(--text); }
.budget-card tr.total th,
.budget-card tr.total td {
    border-bottom: none;
    font-weight: 700;
    font-size: 1.05rem;
    padding-top: 12px;
    color: var(--primary);
}

/* Who is this for – cards */
.who-cards {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    margin: 20px 0;
}

@media (min-width: 600px) {
    .who-cards { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 768px) {
    .who-cards { grid-template-columns: repeat(3, 1fr); }
}

.who-card {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 18px;
}

.who-icon {
    flex-shrink: 0;
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: rgba(37, 99, 235, 0.1);
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 10px;
}
.who-icon svg { width: 22px; height: 22px; }
.who-card .who-title { font-weight: 700; font-size: 1rem; color: var(--text); margin-bottom: 6px; }
.who-card .who-desc { font-size: 0.9rem; color: var(--text-muted); line-height: 1.45; }

/* Accordion FAQ */
.faq-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.faq-item {
    border-bottom: 1px solid var(--border);
}

.faq-item:first-child { border-top: 1px solid var(--border); }

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 16px 0;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text);
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: inherit;
}

.faq-question:hover { color: var(--primary); }

.faq-question .faq-icon {
    flex-shrink: 0;
    font-size: 0.75rem;
    color: var(--text-muted);
    transition: transform 0.2s;
}

.faq-item.open .faq-question .faq-icon { transform: rotate(90deg); }

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.25s ease-out;
}

.faq-answer-inner {
    padding: 0 0 16px 0;
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.55;
}

.faq-answer-inner p { margin-bottom: 8px; max-width: none; }
.faq-answer-inner p:last-child { margin-bottom: 0; }

/* Internal link highlight */
.article-main a.article-link {
    color: var(--primary);
    font-weight: 600;
    text-decoration: none;
}

.article-main a.article-link:hover { text-decoration: underline; }

/* Hub page */
.hub-intro {
    padding: 24px 0 32px;
}

.hub-intro h1 {
    font-size: clamp(1.5rem, 3.5vw, 2rem);
    font-weight: 700;
    color: var(--text);
    margin-bottom: 12px;
}

.hub-intro p {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 640px;
}

.hub-region {
    margin-top: 32px;
}

.hub-region h2 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 12px;
}

.hub-links {
    list-style: none;
    padding: 0;
    margin: 0;
}

.hub-links li { margin-bottom: 8px; }

.hub-links a {
    display: block;
    padding: 14px 18px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    color: var(--text);
    text-decoration: none;
    font-weight: 600;
    transition: border-color 0.2s, box-shadow 0.2s;
}

.hub-links a:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow);
}

/* Footer */
.site-footer {
    text-align: center;
    padding: 32px 20px;
    border-top: 2px solid rgba(37, 99, 235, 0.2);
    background: var(--card);
    margin-top: 24px;
}

.site-footer p {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin: 0;
}

.site-footer .tagline { margin-top: 4px; }
.site-footer a { color: var(--primary); text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }

/* Breadcrumb */
.breadcrumb {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 16px;
}

.breadcrumb a { color: var(--primary); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

/* After-Tax Reality Section */
.after-tax-section {
    margin: 32px 0;
    padding: 24px;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.04) 0%, rgba(37, 99, 235, 0.01) 100%);
    border: 1px solid rgba(37, 99, 235, 0.12);
    border-radius: 12px;
}

.after-tax-section .article-section {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.after-tax-section p {
    margin: 12px 0;
    line-height: 1.6;
}

.after-tax-section ul {
    margin: 16px 0;
    padding-left: 0;
    list-style: none;
}

.after-tax-section ul li {
    position: relative;
    padding-left: 24px;
    margin-bottom: 8px;
    color: var(--text);
}

.after-tax-section ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 8px;
    width: 8px;
    height: 8px;
    background: var(--primary);
    border-radius: 50%;
    opacity: 0.7;
}

.after-tax-example {
    margin: 20px 0;
    padding: 18px 20px;
    background: #fff;
    border-radius: 8px;
    border-left: 4px solid var(--primary);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}

.after-tax-example-label {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--primary);
    margin: 0 0 8px !important;
}

.after-tax-example p {
    margin: 6px 0;
}

.after-tax-amount {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary);
    margin: 10px 0 !important;
}

/* Related Guides Section */
.related-guides {
    margin-top: 40px;
    padding-top: 32px;
    border-top: 2px solid var(--border);
}

.related-guides .article-section {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.related-guides-list {
    list-style: none;
    margin: 20px 0 0;
    padding: 0;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 16px;
}

.related-guides-list li {
    margin: 0;
}

.related-guides-list a {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 18px 20px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    text-decoration: none;
    transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
}

.related-guides-list a:hover {
    border-color: var(--primary);
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.1);
    transform: translateY(-2px);
}

.related-guides-icon {
    flex-shrink: 0;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(37, 99, 235, 0.08);
    border-radius: 10px;
    color: var(--primary);
}

.related-guides-icon svg {
    width: 20px;
    height: 20px;
}

.related-guides-text {
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text);
}

.related-guides-list a:hover .related-guides-text {
    color: var(--primary);
}

@media (max-width: 600px) {
    .related-guides-list {
        grid-template-columns: 1fr;
    }
}