/* First-Time Home Buyer Money Guide — checklist-first docs look: trustworthy, calm */
:root {
  --ink: #1c2420;
  --muted: #5a6760;
  --accent: #146642;        /* deep money green */
  --accent-deep: #0b4029;
  --gold: #b0791f;          /* warm brass for badges & rules */
  --bg: #ffffff;
  --wash: #f3f7f4;
  --line: #dde6e0;
  --radius: 10px;
  --serif: Georgia, "Times New Roman", Times, serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.68;
}
.wrap { max-width: 820px; margin: 0 auto; padding: 0 22px; }

/* ---- sticky header ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
  padding: 11px 0;
}
.site-header .wrap {
  display: flex; align-items: center; gap: 14px; flex-wrap: wrap;
}
.brand {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--serif);
  font-size: 1.22rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--ink);
  text-decoration: none;
  white-space: nowrap;
}
.brand img { width: 34px; height: 34px; border-radius: 8px; display: block; }
.tagline { color: var(--muted); margin: 0; font-size: .9rem; }

/* ---- hero ---- */
main { padding: 0 0 56px; }
.hero {
  position: relative;
  margin: 26px 0 8px;
  border-radius: 16px;
  overflow: hidden;
  color: #fff;
  background: var(--accent-deep);
  min-height: 340px;
}
.hero img.hero-photo {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  opacity: .34;
}
.hero .hero-inner {
  position: relative;
  padding: 60px 46px;
  background: linear-gradient(100deg, rgba(11,64,41,.94) 0%, rgba(11,64,41,.72) 58%, rgba(11,64,41,.18) 100%);
}
.eyebrow {
  display: inline-block;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.4);
  padding: 6px 14px;
  border-radius: 999px;
}
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(2rem, 5vw, 3rem);
  line-height: 1.12;
  letter-spacing: -0.02em;
  margin: 16px 0 14px;
  max-width: 15em;
}
.hero p { color: rgba(255,255,255,.92); font-size: 1.06rem; max-width: 40em; margin: 0 0 20px; }
.cta {
  display: inline-block;
  background: #fff;
  color: var(--accent-deep);
  font-weight: 700;
  text-decoration: none;
  padding: 13px 26px;
  border-radius: 999px;
  transition: transform .18s ease, box-shadow .18s ease;
}
.cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(0,0,0,.3);
}

/* ---- guide list ---- */
.posts h2 {
  font-family: var(--serif);
  font-size: 1.45rem;
  margin: 46px 0 18px;
  letter-spacing: -0.01em;
  display: flex; align-items: center; gap: 14px;
}
.posts h2::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.card {
  position: relative;
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
  margin-bottom: 14px;
  background: #fff;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(20,102,66,.13);
  border-color: #bcd6c6;
}
.card img {
  width: 120px; height: 120px;
  object-fit: cover;
  border-radius: 8px;
}
.card-body { min-width: 0; }
.badge {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  background: #fbf4e4;
  border-radius: 999px;
  padding: 4px 13px;
}
.card h3 { font-family: var(--serif); margin: 10px 0 8px; font-size: 1.22rem; letter-spacing: -0.01em; }
.card h3 a { color: var(--ink); text-decoration: none; }
.card:hover h3 a { color: var(--accent); }
.card p { margin: 0; color: var(--muted); font-size: .96rem; }

/* ---- articles ---- */
.post { padding-top: 30px; }
.post .hero-banner {
  border-radius: 14px; overflow: hidden;
  margin: 0 0 6px;
}
.post .hero-banner img {
  display: block; width: 100%; height: 300px; object-fit: cover;
}
.post h1 {
  font-family: var(--serif);
  font-size: clamp(1.75rem, 4vw, 2.35rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin: 22px 0 12px;
}
.meta {
  display: inline-block;
  color: var(--accent);
  background: #e6f0e9;
  font-size: .85rem;
  font-weight: 600;
  border-radius: 999px;
  padding: 5px 15px;
  margin-bottom: 26px;
}
.post h2 {
  font-family: var(--serif);
  font-size: 1.42rem;
  margin: 40px 0 14px;
  letter-spacing: -0.01em;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--wash);
  position: relative;
}
.post h2::after {
  content: "";
  position: absolute; left: 0; bottom: -2px;
  width: 60px; height: 2px;
  background: var(--gold);
}
.post h3 { font-size: 1.1rem; margin: 28px 0 10px; }
.post ul li, .post ol li { margin-bottom: 9px; }
.post table { border-collapse: collapse; width: 100%; margin: 18px 0; }
.post th, .post td { border: 1px solid var(--line); padding: 9px 13px; text-align: left; }
.post th { background: var(--wash); }

/* checklist styling */
.checklist { list-style: none; padding-left: 0; margin: 18px 0; }
.checklist li {
  position: relative;
  padding: 10px 14px 10px 44px;
  margin-bottom: 8px;
  background: var(--wash);
  border: 1px solid var(--line);
  border-radius: 8px;
}
.checklist li::before {
  content: "\2713";
  position: absolute; left: 14px; top: 9px;
  width: 22px; height: 22px;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--accent); color: #fff;
  font-size: .8rem; font-weight: 700;
  border-radius: 50%;
}

/* callouts */
.callout {
  border-left: 4px solid var(--gold);
  background: #fbf6ea;
  border-radius: 0 10px 10px 0;
  padding: 16px 20px;
  margin: 24px 0;
  font-size: .96rem;
}
.callout strong { color: var(--accent-deep); }
.factbox {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 4px 14px rgba(20,102,66,.07);
  padding: 18px 22px;
  margin: 24px 0;
}
.factbox h4 {
  font-family: var(--serif);
  margin: 0 0 8px;
  font-size: 1.05rem;
  color: var(--accent-deep);
}
.factbox p { margin: 6px 0; font-size: .96rem; }

.back {
  display: inline-block;
  margin-bottom: 22px;
  color: var(--accent);
  text-decoration: none;
  font-weight: 600;
  font-size: .95rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 18px;
  transition: border-color .18s ease, background .18s ease;
}
.back:hover { border-color: var(--accent); background: var(--wash); text-decoration: none; }
.next-link {
  display: block;
  margin: 42px 0 8px;
  padding: 24px 26px;
  border-radius: var(--radius);
  text-decoration: none;
  color: #fff;
  font-weight: 700;
  font-size: 1.12rem;
  background: linear-gradient(135deg, var(--accent-deep) 0%, var(--accent) 100%);
  transition: transform .18s ease, box-shadow .18s ease;
}
.next-link small {
  display: block;
  font-weight: 600;
  font-size: .8rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.82);
  margin-bottom: 6px;
}
.next-link:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(20,102,66,.32);
}

/* ---- footer ---- */
.site-footer {
  background: var(--wash);
  border-top: 3px solid var(--accent);
  padding: 26px 0 36px;
  color: var(--muted);
  font-size: 0.9rem;
}
.site-footer a { color: var(--accent); }
.site-footer .ai-disclosure { font-size: .85em; opacity: .85; }
.disclaimer { font-size: .85rem; }

/* ---- mobile ---- */
@media (max-width: 640px) {
  .wrap { padding: 0 18px; }
  .tagline { display: none; }
  .hero { margin: 16px 0 4px; }
  .hero .hero-inner { padding: 40px 26px; }
  .card { grid-template-columns: 84px 1fr; gap: 14px; }
  .card img { width: 84px; height: 84px; }
  .post .hero-banner img { height: 200px; }
  .posts h2 { margin: 36px 0 14px; }
}