/* ── Consumer Debt Help Association — Blog styles ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --navy:#102A43; --blue:#1D76BB; --blue-dk:#155E96; --sky:#EAF3FB;
  --green:#16A34A; --green-dk:#0E7C38; --cream:#F7FAFC; --white:#fff;
  --text:#243B53; --muted:#627D98; --line:#E2E8F0;
}
html { scroll-behavior:smooth; }
body { font-family:'Inter',system-ui,sans-serif; color:var(--text); background:var(--white); line-height:1.65; -webkit-font-smoothing:antialiased; }
a { color:inherit; }
img { max-width:100%; }

/* topbar */
.topbar { background:var(--navy); color:rgba(255,255,255,0.85); font-size:0.83rem; padding:7px 0; }
.topbar-inner { max-width:1180px; margin:0 auto; padding:0 32px; display:flex; align-items:center; justify-content:space-between; gap:12px; }
.topbar-inner a { color:#fff; text-decoration:none; font-weight:600; }
.topbar .star { color:#FBBF24; letter-spacing:1px; }

/* nav */
nav { position:sticky; top:0; z-index:100; background:rgba(255,255,255,0.96); backdrop-filter:blur(10px); border-bottom:1px solid var(--line); display:flex; align-items:center; justify-content:space-between; padding:0 32px; height:76px; }
.nav-logo { flex-shrink:0; }
.nav-logo img { height:38px; width:auto; max-width:none; display:block; }
.nav-links { display:flex; gap:24px; list-style:none; flex-shrink:0; }
.nav-links a { color:var(--navy); text-decoration:none; font-size:0.95rem; font-weight:500; transition:color .2s; white-space:nowrap; }
.nav-links a:hover, .nav-links a.active { color:var(--blue); }
.nav-right { display:flex; align-items:center; gap:16px; }
.nav-phone-btn { display:inline-flex; align-items:center; gap:9px; white-space:nowrap; padding:11px 20px; border-radius:50px; border:1px solid var(--line); background:#fff; color:var(--navy); font-weight:700; font-size:0.98rem; text-decoration:none; transition:background .2s,border-color .2s; }
.nav-phone-btn:hover { background:var(--cream); border-color:#CBD5E1; }
.nav-phone-btn svg { color:var(--green); flex-shrink:0; }
.btn { display:inline-flex; align-items:center; justify-content:center; gap:8px; border:none; border-radius:50px; cursor:pointer; font-family:inherit; font-weight:700; text-decoration:none; transition:transform .12s,box-shadow .2s,background .2s; white-space:nowrap; }
.btn:active { transform:translateY(1px); }
.btn-green { background:var(--green); color:#fff; box-shadow:0 6px 18px rgba(22,163,74,.28); }
.btn-green:hover { background:var(--green-dk); }
.btn-blue { background:var(--blue); color:#fff; box-shadow:0 6px 18px rgba(29,118,187,.28); }
.btn-blue:hover { background:var(--blue-dk); }
.btn-white { background:#fff; color:var(--navy); border:1px solid var(--line); }
.btn-white:hover { background:#f0f4f8; }
.btn-md { padding:12px 24px; font-size:0.95rem; }
.btn-lg { padding:16px 34px; font-size:1.05rem; }
.nav-toggle { display:none; background:none; border:none; cursor:pointer; color:var(--navy); }

@media (max-width:1080px){
  .nav-links { display:none; }
  .nav-toggle { display:block; }
  nav.open .nav-links { display:flex; position:absolute; top:76px; left:0; right:0; flex-direction:column; background:#fff; padding:16px 32px; gap:16px; border-bottom:1px solid var(--line); box-shadow:0 12px 30px rgba(0,0,0,.1); }
}
@media (max-width:720px){
  .nav-phone-btn span { display:none; }
  .nav-phone-btn { padding:11px 13px; }
  .nav-right .btn { display:none; }
  .topbar .tb-left { display:none; }
}

/* container */
.container { max-width:1180px; margin:0 auto; padding:0 32px; }
.eyebrow { display:inline-block; color:var(--blue); font-weight:700; font-size:0.82rem; letter-spacing:0.08em; text-transform:uppercase; margin-bottom:14px; }

/* blog hero */
.blog-hero { background:radial-gradient(1100px 500px at 80% -10%, rgba(29,118,187,0.10), transparent 60%), linear-gradient(180deg,var(--sky) 0%,var(--white) 100%); padding:64px 0 50px; text-align:center; }
.blog-hero h1 { font-size:2.9rem; font-weight:800; color:var(--navy); letter-spacing:-1px; line-height:1.1; }
.blog-hero p { font-size:1.15rem; color:var(--muted); max-width:620px; margin:16px auto 0; }

/* category chips */
.chips { display:flex; flex-wrap:wrap; gap:10px; justify-content:center; margin-top:28px; }
.chip { background:#fff; border:1px solid var(--line); border-radius:50px; padding:8px 18px; font-size:0.88rem; font-weight:600; color:var(--navy); text-decoration:none; transition:all .15s; }
.chip:hover, .chip.active { background:var(--blue); color:#fff; border-color:var(--blue); }

/* article grid */
.blog-wrap { padding:56px 0 80px; }
.post-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.post-card { display:flex; flex-direction:column; background:#fff; border:1px solid var(--line); border-radius:18px; overflow:hidden; text-decoration:none; color:inherit; transition:transform .18s, box-shadow .18s; }
.post-card:hover { transform:translateY(-5px); box-shadow:0 18px 44px rgba(16,42,67,0.12); }
.post-thumb { height:172px; display:flex; align-items:center; justify-content:center; position:relative; overflow:hidden; }
.post-thumb svg { width:74px; height:74px; opacity:0.92; }
.post-thumb .pt-globe { position:absolute; right:-30px; bottom:-30px; width:130px; height:130px; opacity:0.16; }
.post-thumb .card-photo { width:100%; height:100%; object-fit:cover; display:block; }
.article-hero { display:block; width:100%; height:340px; object-fit:cover; }
.post-body { padding:24px 24px 26px; display:flex; flex-direction:column; flex:1; }
.post-cat { font-size:0.72rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--blue); margin-bottom:10px; }
.post-card h3 { font-size:1.18rem; color:var(--navy); font-weight:700; line-height:1.32; margin-bottom:10px; }
.post-card p { color:var(--muted); font-size:0.95rem; flex:1; }
.post-meta { margin-top:18px; display:flex; align-items:center; gap:10px; font-size:0.82rem; color:var(--muted); }
.post-meta .read-link { color:var(--blue); font-weight:700; margin-left:auto; }

/* article page */
.article-head { background:linear-gradient(180deg,var(--sky) 0%,var(--white) 100%); padding:50px 0 36px; }
.article-head .container { max-width:760px; }
.breadcrumb { font-size:0.85rem; color:var(--muted); margin-bottom:18px; }
.breadcrumb a { color:var(--blue); text-decoration:none; font-weight:600; }
.article-head h1 { font-size:2.5rem; font-weight:800; color:var(--navy); line-height:1.15; letter-spacing:-0.6px; margin:10px 0 16px; }
.article-meta { display:flex; align-items:center; gap:14px; font-size:0.9rem; color:var(--muted); flex-wrap:wrap; }
.article-meta .dot { width:4px; height:4px; border-radius:50%; background:var(--muted); }
.article-banner { height:8px; background:linear-gradient(90deg,var(--blue),#5FB0E8); }
.article-body { max-width:760px; margin:0 auto; padding:44px 32px 60px; }
.article-body p { font-size:1.06rem; color:var(--text); margin-bottom:20px; }
.article-body h2 { font-size:1.55rem; color:var(--navy); font-weight:800; margin:36px 0 14px; letter-spacing:-0.3px; }
.article-body h3 { font-size:1.2rem; color:var(--navy); font-weight:700; margin:26px 0 10px; }
.article-body ul, .article-body ol { margin:0 0 20px 22px; }
.article-body li { font-size:1.05rem; color:var(--text); margin-bottom:9px; }
.article-body strong { color:var(--navy); }
.article-body a { color:var(--blue); font-weight:600; }
.callout { background:var(--sky); border-left:4px solid var(--blue); border-radius:10px; padding:22px 24px; margin:30px 0; }
.callout p { margin:0; font-size:1.02rem; }
.video-embed { position:relative; width:100%; aspect-ratio:16/9; margin:26px 0 10px; border-radius:14px; overflow:hidden; box-shadow:0 14px 34px rgba(16,42,67,0.16); background:#000; }
.video-embed iframe { position:absolute; inset:0; width:100%; height:100%; border:0; }
.video-caption { font-size:0.85rem; color:var(--muted); text-align:center; margin:0 0 28px; }
.article-cta { background:linear-gradient(160deg,var(--navy),#16324F); border-radius:20px; padding:34px; text-align:center; margin:40px 0 10px; }
.article-cta h3 { color:#fff; font-size:1.4rem; font-weight:800; margin-bottom:8px; }
.article-cta p { color:rgba(255,255,255,0.78); margin-bottom:22px; }
.article-cta .btn-green { color:#fff; }
.article-disc { font-size:0.8rem; color:var(--muted); border-top:1px solid var(--line); margin-top:40px; padding-top:20px; line-height:1.7; }

/* CTA band */
.cta-band { background:var(--blue); color:#fff; text-align:center; padding:64px 0; }
.cta-band h2 { font-size:2.1rem; font-weight:800; margin-bottom:12px; }
.cta-band p { color:rgba(255,255,255,0.9); max-width:540px; margin:0 auto 26px; }
.cta-band .fc-btns { display:flex; gap:14px; justify-content:center; flex-wrap:wrap; }

/* footer */
footer { background:var(--navy); color:rgba(255,255,255,0.7); padding:60px 0 26px; }
.footer-inner { max-width:1180px; margin:0 auto; padding:0 32px; display:grid; grid-template-columns:1.5fr 1fr 1fr; gap:40px; }
.footer-brand img { height:34px; margin-bottom:16px; filter:brightness(0) invert(1); }
.footer-brand p { font-size:0.9rem; line-height:1.7; max-width:300px; margin-bottom:14px; }
.footer-contact { font-size:0.92rem; line-height:1.9; }
.footer-contact a { color:#fff; text-decoration:none; font-weight:600; }
.footer-col h4 { color:#fff; font-size:0.8rem; text-transform:uppercase; letter-spacing:0.08em; margin-bottom:16px; }
.footer-col ul { list-style:none; display:flex; flex-direction:column; gap:10px; }
.footer-col a { color:rgba(255,255,255,0.7); text-decoration:none; font-size:0.92rem; }
.footer-col a:hover { color:#fff; }
.footer-bottom { max-width:1180px; margin:38px auto 0; padding:24px 32px 0; border-top:1px solid rgba(255,255,255,0.12); font-size:0.78rem; color:rgba(255,255,255,0.5); line-height:1.7; }
.footer-bottom a { color:rgba(255,255,255,0.6); text-decoration:none; }

@media (max-width:900px){
  .post-grid { grid-template-columns:repeat(2,1fr); }
  .footer-inner { grid-template-columns:1fr 1fr; gap:30px; }
}
@media (max-width:680px){
  .blog-hero h1 { font-size:2.1rem; }
  .article-head h1 { font-size:1.8rem; }
  .post-grid { grid-template-columns:1fr; }
  .footer-inner { grid-template-columns:1fr; }
  .container, .topbar-inner, .footer-bottom { padding-left:22px; padding-right:22px; }
}