/* ============================================================
   articles.css — article chrome for /articles/* (U8 redesign, 2026-07-06)
   Direct-public file (public/css), loaded LAST by _includes/article-layout.njk
   after styles.css / theme-align.css / site-theme.css, so every rule here
   wins its cascade ties on article-page CONTENT classes only (shared chrome
   stays owned by site-theme.css).
   Design source of record: src/index.html + src/homeowners.html vocabulary
   (eyebrow kicker, fq-style accordions, lcard read-cards, navy-3 cta band).
   Article COPY is untouched: this file restyles the markup the 11 article
   bodies already emit (.page-hero, .breadcrumbs, .article, .article-acc,
   .notice, .cta-row, .related-articles) and nothing else.
   /css/* is cached immutable for 1 year: bump the ?v= on the layout link
   whenever this file changes.
   ============================================================ */

html{scroll-behavior:smooth}
:target{scroll-margin-top:90px}

/* ---------- HERO: kicker, display h1, lead — one shared 70ch column ---------- */
.page-hero{background:linear-gradient(180deg,#fff 0%,#fff 55%,var(--mist,#F6FAFF) 100%);border-bottom:1px solid var(--line,#E7EDF6);padding:60px 0 46px;text-align:left}
.page-hero .page-hero-inner,.page-hero-inner{max-width:692px;margin:0 auto;padding:0 26px}
.page-hero .breadcrumbs,.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:0 6px;font-family:var(--f-mono,ui-monospace,monospace);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--slate,#54617A);font-weight:500;margin-bottom:20px}
.page-hero .breadcrumbs::before{content:"";width:22px;height:1px;background:var(--red,#B30032);margin-right:4px;flex:0 0 auto}
.page-hero .breadcrumbs a{color:var(--slate,#54617A);text-decoration:none;border-bottom:1px solid var(--rule,#DBE3F0);padding-bottom:1px}
.page-hero .breadcrumbs a:hover{color:var(--navy,#003087);border-bottom-color:var(--navy,#003087)}
.page-hero h1{font-family:var(--f-sans,'Geist',sans-serif);font-weight:600;font-size:clamp(30px,4.4vw,44px);line-height:1.08;letter-spacing:-.018em;color:var(--navy,#003087);margin:0 0 14px;max-width:none}
.page-hero .lead,.page-hero p{font-size:17.5px;line-height:1.55;color:var(--slate,#54617A);max-width:58ch;margin:0}

/* ---------- BODY SHELL: white reading surface, ~70ch measure ---------- */
.section.surface{background:#fff;border-top:0;border-bottom:0;padding:48px 0 84px}
.article{display:flex;flex-direction:column;max-width:692px;margin:0 auto;padding:0 26px}
.article>*{min-width:0}

/* mono meta label above the intro */
.article .article-meta{font-family:var(--f-mono,ui-monospace,monospace);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--slate-2,#6B7690);font-weight:500;margin:0 0 20px}
/* intro paragraph reads as the dek */
.article .article-meta+p{font-size:18px;line-height:1.6;color:var(--ink,#22303F);margin:0 0 26px;letter-spacing:-.004em}
.article p{font-size:16px;line-height:1.72;color:var(--ink-2,#33425B);margin:0 0 18px}
.article p strong{color:var(--ink,#22303F);font-weight:600}
.article a:not(.button){color:var(--navy,#003087);border-bottom:none;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.article a:not(.button):hover{color:var(--navy-2,#00245F)}

/* ---------- SECTION ACCORDIONS: fq-canon presentation ---------- */
.article-acc{border-bottom:1px solid var(--rule,#DBE3F0);margin:0}
.article>details.article-acc:first-of-type{border-top:1px solid var(--rule,#DBE3F0)}
.article-acc>summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:18px;padding:19px 8px 19px 2px}
.article-acc>summary::-webkit-details-marker{display:none}
.article-acc>summary::marker{content:""}
.article-acc>summary h2{margin:0;font-family:var(--f-sans,'Geist',sans-serif);font-weight:600;font-size:clamp(17.5px,2.2vw,20px);line-height:1.3;letter-spacing:-.012em;color:var(--navy,#003087)}
.article-acc>summary::after{content:"+";flex:0 0 auto;width:26px;height:26px;border:1.5px solid var(--rule,#DBE3F0);border-radius:50%;display:grid;place-items:center;font-family:var(--f-sans,'Geist',sans-serif);font-size:15px;font-weight:500;line-height:1;color:var(--red,#B30032);transition:transform .18s ease,border-color .18s ease;margin-left:auto}
.article-acc[open]>summary::after{transform:rotate(45deg);border-color:var(--red,#B30032)}
.article-acc>summary:hover h2{color:var(--navy-2,#00245F)}
.article-acc .acc-body{padding:2px 40px 24px 2px;color:var(--ink-2,#33425B);line-height:1.72;font-size:16px}
.article-acc .acc-body p{margin:0 0 14px}
.article-acc .acc-body p:last-child{margin-bottom:0}
.article-acc .acc-body ul,.article-acc .acc-body ol{list-style:none;margin:10px 0 8px;padding:0}
.article-acc .acc-body ul li{position:relative;padding-left:22px;margin-bottom:9px;font-size:15.5px;line-height:1.6;color:var(--ink-2,#33425B)}
.article-acc .acc-body ul li::before{content:"";position:absolute;left:6px;top:10px;width:5px;height:5px;border-radius:50%;background:var(--red,#B30032)}
.article-acc .acc-body ol{counter-reset:acc-step}
.article-acc .acc-body ol li{position:relative;counter-increment:acc-step;padding-left:30px;margin-bottom:9px;font-size:15.5px;line-height:1.6;color:var(--ink-2,#33425B)}
.article-acc .acc-body ol li::before{content:counter(acc-step,decimal-leading-zero);position:absolute;left:0;top:2px;font-family:var(--f-mono,ui-monospace,monospace);font-size:11px;letter-spacing:.08em;color:var(--red,#B30032);font-weight:600}
.article-acc .acc-body a{color:var(--navy,#003087);border-bottom:none;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}

/* ---------- COMPLIANCE NOTE: calm mist panel, never alarm-styled ---------- */
.article .notice{margin:34px 0 0;padding:16px 20px;background:var(--mist,#F6FAFF);border:1px solid var(--rule,#DBE3F0);border-left:3px solid var(--navy,#003087);border-radius:8px;color:var(--slate,#54617A);font-size:13.5px;line-height:1.6}
.article .notice strong{display:block;font-family:var(--f-mono,ui-monospace,monospace);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--navy,#003087);font-weight:600;margin-bottom:6px}

/* ---------- END-OF-ARTICLE CTA BAND (the page's ONE cta)
     The body's .cta-row is reordered after the related-guides row (visual
     order only; DOM and copy untouched) and dressed as the navy-3 band. ---------- */
.article .cta-row{order:2;margin:36px 0 0;display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:12px;background:var(--navy-3,#071A3B);border-radius:14px;padding:34px 30px 28px;text-align:center}
.article .cta-row::before{content:"Your next step";flex:1 1 100%;font-family:var(--f-mono,ui-monospace,monospace);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:#9FB4DC;font-weight:500;margin-bottom:12px}
.article .cta-row::after{content:"Free \00B7  About 5 minutes \00B7  No card required \00B7  Educational only";flex:1 1 100%;font-family:var(--f-mono,ui-monospace,monospace);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:#8FA3C8;margin-top:14px}
.article .cta-row .button{display:inline-flex;align-items:center;gap:9px;font-family:var(--f-sans,'Geist',sans-serif);font-size:14.5px;font-weight:600;padding:14px 22px;border-radius:5px;line-height:1;white-space:nowrap;text-decoration:none;transition:.16s ease;cursor:pointer}
.article .cta-row .button.primary{background:#fff;color:var(--navy,#003087);border:1.5px solid #fff}
.article .cta-row .button.primary:hover{background:var(--mist,#F6FAFF);color:var(--navy,#003087);border-color:var(--mist,#F6FAFF)}
.article .cta-row .button.secondary{background:transparent;color:#EAF0FB;border:1.5px solid #3A4E76}
.article .cta-row .button.secondary:hover{background:transparent;color:#fff;border-color:#EAF0FB}

/* ---------- RELATED GUIDES: lcard-style read-cards
     article-layout.njk opens the accordion and adds .related-open; without
     JS the block gracefully stays an accordion. ---------- */
.article .related-articles{order:1;margin:40px 0 0}
.article .related-articles .article-acc{border-top:1px solid var(--rule,#DBE3F0);border-bottom:0}
.related-articles.related-open .article-acc{border-top:0}
.related-articles.related-open>.article-acc>summary{pointer-events:none;padding:0 0 12px;border-bottom:1px solid var(--rule,#DBE3F0);margin-bottom:18px}
.related-articles.related-open>.article-acc>summary::after{content:none}
.related-articles.related-open .acc-body{padding:0}
.related-articles.related-open .acc-body ul{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:0}
.related-articles.related-open .acc-body ul li{padding:0;margin:0}
.related-articles.related-open .acc-body ul li::before{content:none}
.related-articles.related-open .acc-body ul li a{display:flex;flex-direction:column;gap:12px;min-height:104px;background:#fff;border:1px solid var(--rule,#DBE3F0);border-radius:12px;padding:20px 22px;font-family:var(--f-sans,'Geist',sans-serif);font-size:15.5px;font-weight:600;letter-spacing:-.01em;line-height:1.3;color:var(--navy,#003087);text-decoration:none;transition:.16s ease}
.related-articles.related-open .acc-body ul li a::after{content:"Read the guide \2192";margin-top:auto;font-family:var(--f-mono,ui-monospace,monospace);font-weight:400;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--navy,#003087);transition:.16s ease}
.related-articles.related-open .acc-body ul li a:hover{border-color:var(--navy,#003087);background:var(--mist,#F6FAFF)}
.related-articles.related-open .acc-body ul li a:hover::after{color:var(--red,#B30032)}

/* ---------- RESPONSIVE ---------- */
@media (max-width:760px){
  .page-hero{padding:36px 0 30px}
  .page-hero .page-hero-inner,.page-hero-inner{padding:0 20px}
  .page-hero .breadcrumbs{margin-bottom:16px}
  .page-hero h1{font-size:27px;line-height:1.12;margin-bottom:12px}
  .page-hero .lead,.page-hero p{font-size:16px}
  .section.surface{padding:30px 0 56px}
  .article{padding:0 20px}
  .article .article-meta+p{font-size:16.5px;line-height:1.58;margin-bottom:22px}
  .article p{font-size:15.5px}
  .article-acc>summary{padding:16px 8px 16px 2px}
  .article-acc .acc-body{padding-right:8px;font-size:15.5px}
  .article .cta-row{padding:28px 20px 24px;margin-top:30px}
  .article .cta-row .button{width:100%;justify-content:center;min-height:48px}
  .article .cta-row::after{line-height:1.8}
  .related-articles.related-open .acc-body ul{grid-template-columns:1fr;gap:10px}
  .related-articles.related-open .acc-body ul li a{min-height:0}
}
@media (max-width:460px){
  .page-hero h1{font-size:24px}
  .article-acc>summary h2{font-size:16.5px}
}
@media (prefers-reduced-motion:reduce){
  .article-acc>summary::after,.article .cta-row .button,.related-articles.related-open .acc-body ul li a,.related-articles.related-open .acc-body ul li a::after{transition:none}
}