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

/* ===== DESIGN TOKENS ===== */
:root {
  /* Fort McClellan CU — palette drawn from logo: forest green + gold star, AL outline */
  --fmcu-navy:       #234D26;   /* deep forest green — dark base (hero, headings, footer) */
  --fmcu-blue:       #3E7D3A;   /* mid green — secondary */
  --fmcu-light-blue: #6FB56A;   /* light green */
  --fmcu-teal:       #3E7D3A;   /* PRIMARY accent (buttons, links) — FMCU green */
  --fmcu-light-teal: #6FB56A;   /* light accent / hover */
  --fmcu-green:      #2FA055;   /* positive / money highlight (budget tool) */
  --fmcu-gold:       #F4B41A;   /* logo gold — sparing accent (star, highlights) */
  --fmcu-gold-light: #FBD97A;   /* light gold tint */
  --fmcu-gold-soft:  #FBF3DC;   /* pale gold wash */
  --fmcu-warm-white: #FAFDF9;
  --fmcu-sand:       #F1F5EF;
  --fmcu-sky:        #EAF3E8;   /* light green tint (accent backgrounds) */
  --fmcu-text:       #1E2A20;
  --fmcu-text-light: #52604F;
  --fmcu-border:     #D6E3D3;
  --serif: 'Montserrat', -apple-system, sans-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(--fmcu-text);
  background: var(--fmcu-warm-white);
  overflow-x: clip;
}

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(--fmcu-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(--fmcu-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(--fmcu-border);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 900;
  box-shadow: 0 2px 20px rgba(20, 48, 22, 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(--fmcu-border);
}
.logo-wellness-label {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 700;
  color: var(--fmcu-navy);
  letter-spacing: 0.01em;
  line-height: 1.3;
}
.logo-wellness-label span {
  display: block;
  font-weight: 400;
  font-size: 11px;
  color: var(--fmcu-text-light);
  letter-spacing: 0;
}
.logo-text {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 700;
  color: var(--fmcu-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(--fmcu-teal);
  margin-top: 2px;
}

nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
nav a {
  color: var(--fmcu-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(--fmcu-sky); color: var(--fmcu-navy); }
nav a.cta-subscribe {
  background: var(--fmcu-teal);
  color: white;
  margin-left: 8px;
}
nav a.cta-subscribe:hover { background: var(--fmcu-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(--fmcu-navy);
  border-radius: 2px;
  transition: transform 0.2s;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--fmcu-navy) 0%, #3E7D3A 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(62, 125, 58,0.2) 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(--fmcu-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(--fmcu-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(--fmcu-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(--fmcu-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(62, 125, 58,0.2); }
.fhs-cat-icon.debt { background: rgba(62, 125, 58,0.2); }
.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(--fmcu-teal); }
.fhs-cat-fill.good { background: var(--fmcu-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(--fmcu-light-teal); }

/* ===== SECTION HEADINGS ===== */
.section-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--fmcu-teal);
  margin-bottom: 8px;
}
.section-title {
  font-family: var(--serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--fmcu-navy);
  margin-bottom: 12px;
}
.section-desc {
  font-size: 16px;
  color: var(--fmcu-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(--fmcu-sky);
  padding: 56px 0;
  border-top: 3px solid var(--fmcu-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(--fmcu-border);
}
.benefit-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--fmcu-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(--fmcu-navy);
  margin-bottom: 8px;
}
.benefit-card p { font-size: 14px; color: var(--fmcu-text-light); margin-bottom: 12px; }
.benefit-card a { font-size: 14px; font-weight: 600; color: var(--fmcu-teal); text-decoration: none; }
.benefit-card a:hover { color: var(--fmcu-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(--fmcu-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(--fmcu-teal);
  box-shadow: 0 4px 20px rgba(62, 125, 58,0.1);
  transform: translateY(-2px);
}
.topic-icon { font-size: 28px; margin-bottom: 12px; }
.topic-card h3 { font-size: 16px; font-weight: 700; color: var(--fmcu-navy); margin-bottom: 6px; }
.topic-card p { font-size: 13px; color: var(--fmcu-text-light); }

/* ===== ARTICLE CARDS ===== */
.articles-section { padding: 48px 0 80px; background: var(--fmcu-sand); }
.filter-bar {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
.filter-pill {
  background: white;
  border: 1px solid var(--fmcu-border);
  color: var(--fmcu-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(--fmcu-teal); color: var(--fmcu-teal); }
.filter-pill.active { background: var(--fmcu-teal); border-color: var(--fmcu-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(--fmcu-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(20, 48, 22,0.08); transform: translateY(-2px); }
.article-meta { font-size: 11px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--fmcu-teal); margin-bottom: 8px; }
.article-card h3 { font-size: 15px; font-weight: 700; color: var(--fmcu-navy); margin-bottom: 8px; line-height: 1.4; }
.article-card p { font-size: 13px; color: var(--fmcu-text-light); line-height: 1.55; }
.article-read-time { font-size: 12px; color: var(--fmcu-text-light); margin-top: 10px; }

/* ===== PATHWAYS ===== */
.pathways-hero {
  background: linear-gradient(135deg, var(--fmcu-navy) 0%, #3E7D3A 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(--fmcu-sky); }
.pathway-step-circle {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: white;
  border: 2px solid var(--fmcu-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(--fmcu-teal);
  box-shadow: 0 0 0 4px rgba(62, 125, 58,0.1);
}
.pathway-step-label { font-size: 12px; font-weight: 600; color: var(--fmcu-text-light); text-align: center; max-width: 80px; }
.pathway-connector { width: 40px; height: 2px; background: var(--fmcu-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(--fmcu-border);
  border-radius: 14px;
  padding: 28px;
  transition: box-shadow 0.2s;
}
.pathway-detail-card:hover { box-shadow: 0 4px 20px rgba(20, 48, 22,0.08); }
.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(--fmcu-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(--fmcu-navy); margin-bottom: 4px; }
.pathway-lesson-count { font-size: 12px; color: var(--fmcu-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(--fmcu-text); text-decoration: none;
  padding: 6px 0;
  border-bottom: 1px solid var(--fmcu-border);
  transition: color 0.2s;
}
.pathway-lessons li:last-child a { border-bottom: none; }
.pathway-lessons li a:hover { color: var(--fmcu-teal); }
.pathway-lessons li a::before { content: '→'; color: var(--fmcu-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(--fmcu-border);
  border-radius: 14px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
  text-decoration: none;
  color: inherit;
}
a.guide-card:hover {
  border-color: var(--fmcu-teal);
  box-shadow: 0 4px 20px rgba(62, 125, 58, 0.15);
  transform: translateY(-2px);
}
.guide-type-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--fmcu-teal);
  background: var(--fmcu-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(--fmcu-navy); margin-bottom: 10px; }
.guide-card p { font-size: 14px; color: var(--fmcu-text-light); margin-bottom: 20px; flex: 1; }
.guide-actions { display: flex; gap: 10px; }
.btn-guide-view {
  display: inline-block;
  background: var(--fmcu-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(--fmcu-navy); color: white; }
.btn-guide-outline {
  display: inline-block;
  border: 1px solid var(--fmcu-border);
  color: var(--fmcu-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(--fmcu-teal); color: var(--fmcu-teal); }
/* ===== 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(--fmcu-border);
  border-radius: 16px;
  padding: 32px;
}
.form-group { margin-bottom: 22px; }
.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--fmcu-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(--fmcu-text-light);
  font-size: 12px;
}
.form-control {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--fmcu-border);
  border-radius: 8px;
  font-size: 15px;
  font-family: var(--sans);
  color: var(--fmcu-text);
  background: white;
  transition: border-color 0.2s;
  appearance: none;
}
.form-control:focus { outline: none; border-color: var(--fmcu-teal); box-shadow: 0 0 0 3px rgba(62, 125, 58,0.1); }
.pay-type-toggle { display: flex; gap: 8px; }
.pay-type-btn {
  flex: 1;
  padding: 10px;
  border: 1px solid var(--fmcu-border);
  border-radius: 8px;
  background: white;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 600;
  color: var(--fmcu-text-light);
  cursor: pointer;
  transition: all 0.2s;
}
.pay-type-btn.active { background: var(--fmcu-teal); border-color: var(--fmcu-teal); color: white; }
.contribution-row { display: flex; align-items: center; gap: 12px; }
.contribution-row input[type="range"] {
  flex: 1;
  accent-color: var(--fmcu-teal);
}
.contribution-pct {
  font-size: 17px;
  font-weight: 700;
  color: var(--fmcu-teal);
  min-width: 40px;
  text-align: right;
}
.form-hint { font-size: 12px; color: var(--fmcu-text-light); margin-top: 5px; }
.form-hint strong { color: var(--fmcu-green); }

.builder-results {
  position: sticky;
  top: 90px;
}
.results-card {
  background: linear-gradient(135deg, var(--fmcu-navy) 0%, #3E7D3A 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(--fmcu-light-teal); }
.pay-value.negative { color: rgba(255,150,150,0.9); }

.budget-breakdown {
  background: white;
  border: 1px solid var(--fmcu-border);
  border-radius: 16px;
  padding: 24px;
}
.budget-breakdown h3 {
  font-family: var(--serif);
  font-size: 17px;
  font-weight: 700;
  color: var(--fmcu-navy);
  margin-bottom: 16px;
}
.budget-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--fmcu-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(--fmcu-navy); }
.budget-dot.wants { background: var(--fmcu-teal); }
.budget-dot.savings { background: var(--fmcu-green); }
.budget-row-label { flex: 1; font-size: 14px; font-weight: 600; color: var(--fmcu-text); }
.budget-row-pct { font-size: 13px; color: var(--fmcu-text-light); }
.budget-row-amount { font-size: 15px; font-weight: 700; color: var(--fmcu-navy); }

.disclaimer { font-size: 11px; color: var(--fmcu-text-light); margin-top: 8px; font-style: italic; }

/* ===== NEWSLETTER ===== */
.newsletter-section {
  background: var(--fmcu-navy);
  padding: 64px 0;
}
.newsletter-section .section-label { color: var(--fmcu-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(--fmcu-light-teal); }
.subscribe-form button {
  padding: 12px 24px;
  background: var(--fmcu-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(--fmcu-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(--fmcu-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: #153016;
  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(--fmcu-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(--fmcu-navy) 0%, #3E7D3A 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(--fmcu-navy) 0%, #3E7D3A 100%);
  color: white;
  padding: 48px 0;
}
.article-label { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--fmcu-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(--fmcu-navy); margin: 36px 0 14px; }
.article-body h3 { font-size: 1.1rem; font-weight: 700; color: var(--fmcu-navy); margin: 24px 0 10px; }
.article-body p { margin-bottom: 16px; color: var(--fmcu-text); }
.article-body ul, .article-body ol { margin: 0 0 16px 24px; color: var(--fmcu-text); }
.article-body li { margin-bottom: 6px; }
.article-cta-box {
  background: var(--fmcu-sky);
  border: 1px solid var(--fmcu-border);
  border-left: 4px solid var(--fmcu-teal);
  border-radius: 8px;
  padding: 20px 24px;
  margin: 32px 0;
}
.article-cta-box p { margin-bottom: 10px; font-weight: 600; color: var(--fmcu-navy); }
.article-cta-box a { color: var(--fmcu-teal); font-weight: 600; text-decoration: none; }
.article-cta-box a:hover { color: var(--fmcu-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(--fmcu-navy);
  margin: 40px 0 14px;
  padding-top: 8px;
  border-top: 1px solid var(--fmcu-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(--fmcu-navy);
  margin: 24px 0 8px;
}
.article-content p { margin-bottom: 16px; color: var(--fmcu-text); line-height: 1.7; }
.article-content ul,
.article-content ol { margin: 0 0 16px 24px; color: var(--fmcu-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(--fmcu-border);
}
.article-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.article-table th {
  background: var(--fmcu-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(--fmcu-border);
  color: var(--fmcu-text);
  vertical-align: top;
}
.article-table tbody tr:last-child td { border-bottom: none; }
.article-table tbody tr:nth-child(even) td { background: var(--fmcu-sand); }
.article-table tbody tr:hover td { background: var(--fmcu-sky); }
.article-caption {
  font-size: 12px;
  color: var(--fmcu-text-light);
  font-style: italic;
  margin-top: -16px;
  margin-bottom: 20px;
}

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

/* Article disclaimer */
.article-disclaimer {
  font-size: 13px;
  color: var(--fmcu-text-light);
  font-style: italic;
  border-top: 1px solid var(--fmcu-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(--fmcu-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(--fmcu-border);
  border-radius: 8px;
  color: var(--fmcu-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(--fmcu-teal);
  background: var(--fmcu-sky);
  color: var(--fmcu-teal);
}

/* Checklist style (guides) */
.checklist { list-style: none; margin-left: 0; padding-left: 0; display: flex; flex-direction: column; gap: 10px; margin: 16px 0 24px; }
.checklist li { list-style: none; display: flex; gap: 12px; align-items: flex-start; padding: 12px 14px; background: var(--fmcu-sand); border-radius: 8px; border: 1px solid var(--fmcu-border); transition: background 0.15s, border-color 0.15s; }
.checklist li::before, .checklist li::marker { content: none; display: none; }
.checklist li:last-child { border-bottom: none; }
.checklist li input[type="checkbox"] { margin-top: 2px; flex-shrink: 0; accent-color: var(--fmcu-teal); width: 18px; height: 18px; cursor: pointer; }
.checklist li label { font-size: 15px; color: var(--fmcu-text); cursor: pointer; line-height: 1.5; }
.checklist li label strong { display: block; font-weight: 700; color: var(--fmcu-navy); margin-bottom: 2px; }
.checklist li.checked { background: rgba(39, 162, 91, 0.05); border-color: rgba(39, 162, 91, 0.2); }

/* Guide/Checklist download bar (top + bottom) */
.guide-download-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 18px;
  background: var(--fmcu-sky);
  border: 1px solid var(--fmcu-border);
  border-radius: 10px;
  margin-bottom: 32px;
}
.guide-download-bar--bottom { margin-top: 36px; margin-bottom: 0; }
.guide-download-hint { font-size: 14px; color: var(--fmcu-text-light); }
.guide-download-progress { font-size: 14px; color: var(--fmcu-text-light); font-weight: 600; }
.btn-save-pdf {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--fmcu-navy);
  color: white;
  padding: 9px 20px;
  border-radius: 6px;
  border: none;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--sans);
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 0.2s;
}
.btn-save-pdf:hover { background: var(--fmcu-teal); }

/* ===== 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(--fmcu-border); box-shadow: 0 8px 24px rgba(20, 48, 22,0.1); }
  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; }
}

/* ===== BUDGET BUILDER — collapsible sections & 2026 rework ===== */
.acc { border: 1px solid var(--fmcu-border); border-radius: 12px; margin-bottom: 12px; background: white; overflow: hidden; }
.acc-head { width: 100%; display: flex; align-items: center; gap: 10px; padding: 16px 18px; background: none; border: none; cursor: pointer; font-family: var(--sans); text-align: left; }
.acc-title { font-weight: 700; color: var(--fmcu-navy); font-size: 15px; display: flex; align-items: center; gap: 10px; flex: 1; }
.acc-step { display: inline-flex; align-items: center; justify-content: center; width: 22px; height: 22px; border-radius: 50%; background: var(--fmcu-sky); color: var(--fmcu-teal); font-size: 12px; font-weight: 800; flex: 0 0 auto; }
.acc-chip { font-size: 12px; font-weight: 600; color: var(--fmcu-text-light); background: var(--fmcu-sand); padding: 3px 9px; border-radius: 20px; white-space: nowrap; }
.acc-caret { color: var(--fmcu-text-light); transition: transform 0.2s; font-size: 12px; }
.acc.open .acc-caret { transform: rotate(180deg); }
.acc-body { display: none; padding: 0 18px 18px; }
.acc.open .acc-body { display: block; }
.acc-desc { font-size: 13px; color: var(--fmcu-text-light); margin: 0 0 14px; line-height: 1.5; }
.btn-add { width: 100%; padding: 11px; background: var(--fmcu-sky); color: var(--fmcu-teal); border: 1px dashed var(--fmcu-light-teal); border-radius: 8px; font-family: var(--sans); font-weight: 700; font-size: 14px; cursor: pointer; }
.btn-add:hover { background: #e0ecf8; }

.income-stream, .debt-row { border: 1px solid var(--fmcu-border); border-radius: 10px; padding: 14px; margin-bottom: 12px; background: var(--fmcu-warm-white); }
.stream-top { display: flex; align-items: center; gap: 8px; margin-bottom: 10px; }
.stream-label { flex: 1; font-weight: 700; color: var(--fmcu-navy); border: none; border-bottom: 1px solid transparent; background: none; font-family: var(--sans); font-size: 15px; padding: 2px 0; }
.stream-label:focus { outline: none; border-bottom-color: var(--fmcu-light-teal); }
.stream-remove, .debt-remove { flex: 0 0 auto; width: 26px; height: 26px; border-radius: 50%; border: none; background: var(--fmcu-sand); color: var(--fmcu-text-light); font-size: 18px; line-height: 1; cursor: pointer; }
.stream-remove:hover, .debt-remove:hover { background: #f3d6d6; color: #b23b3b; }
.seg { display: flex; gap: 6px; margin-bottom: 12px; }
.seg-btn { flex: 1; padding: 8px; border: 1px solid var(--fmcu-border); background: white; border-radius: 7px; font-family: var(--sans); font-weight: 600; font-size: 13px; cursor: pointer; color: var(--fmcu-text-light); }
.seg-btn.active { background: var(--fmcu-teal); color: white; border-color: var(--fmcu-teal); }
.form-row { display: flex; gap: 10px; }
.form-row .form-group { flex: 1; }
.form-row.three { flex-wrap: wrap; }
.form-row.three .form-group { flex: 1; min-width: 84px; }
.stream-hint { font-size: 12px; color: var(--fmcu-teal); font-weight: 600; margin-top: 8px; min-height: 16px; }
.debt-top { display: flex; gap: 8px; align-items: center; margin-bottom: 10px; }
.debt-top .f-debt-type { flex: 1; }

.expense-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
@media (max-width: 560px) { .expense-grid { grid-template-columns: 1fr; } }

.builder-disclaimer { background: var(--fmcu-sky); border-radius: 10px; padding: 14px 16px; font-size: 13px; color: var(--fmcu-text-light); line-height: 1.5; margin-top: 4px; }

/* Results — "Where you are" */
.whereyou-grid { display: flex; gap: 12px; margin: 6px 0 14px; }
.whereyou-stat { flex: 1; background: rgba(255,255,255,0.07); border-radius: 10px; padding: 12px 14px; }
.whereyou-label { display: block; font-size: 12px; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.05em; font-weight: 700; }
.whereyou-value { display: block; font-size: 22px; font-weight: 800; margin: 2px 0; color: white; }
.whereyou-value.positive { color: #7fe0a8; }
.whereyou-sub { font-size: 11px; color: rgba(255,255,255,0.5); }
.leftover-bar { display: flex; align-items: center; justify-content: space-between; padding: 14px 16px; border-radius: 10px; background: rgba(255,255,255,0.07); }
.leftover-bar.surplus { background: rgba(39,162,91,0.20); }
.leftover-bar.deficit { background: rgba(214,69,69,0.22); }
.leftover-label { font-weight: 700; color: white; font-size: 14px; }
.leftover-value { font-weight: 800; font-size: 20px; color: white; }
.leftover-bar.surplus .leftover-value { color: #7fe0a8; }
.leftover-bar.deficit .leftover-value { color: #ffb3b3; }
.results-empty { font-size: 13px; color: rgba(255,255,255,0.6); margin: 12px 0 0; text-align: center; }

.detail-card { background: white; border: 1px solid var(--fmcu-border); border-radius: 12px; padding: 16px 18px; margin-top: 14px; }
.detail-card h4 { font-family: var(--serif); font-size: 1.05rem; color: var(--fmcu-navy); margin: 0 0 10px; }
.detail-sub { font-size: 12px; font-weight: 400; color: var(--fmcu-text-light); font-family: var(--sans); }
.detail-row { display: flex; justify-content: space-between; align-items: center; padding: 7px 0; font-size: 14px; color: var(--fmcu-text); border-bottom: 1px solid var(--fmcu-sand); }
.detail-row:last-child { border-bottom: none; }
.detail-row .ded { color: var(--fmcu-text-light); }
.detail-row.total { border-top: 2px solid var(--fmcu-border); border-bottom: none; margin-top: 4px; padding-top: 10px; font-weight: 800; color: var(--fmcu-navy); }
.dv { font-weight: 700; font-variant-numeric: tabular-nums; }
.dv.positive { color: var(--fmcu-green); }
.dv.negative { color: #c0573f; }
.dv.muted { color: var(--fmcu-text-light); font-weight: 600; font-style: italic; }
.detail-note { font-size: 12px; color: var(--fmcu-text-light); margin: 10px 0 0; line-height: 1.5; }

/* Debt CTAs */
.cta-card { border-radius: 12px; padding: 16px 18px; margin-top: 14px; border-left: 4px solid var(--fmcu-teal); background: var(--fmcu-sky); }
.cta-card.urgent { border-left-color: #d64545; background: #fdeaea; }
.cta-card.warn { border-left-color: #e08a1e; background: #fdf3e3; }
.cta-card.info { border-left-color: var(--fmcu-teal); background: var(--fmcu-sky); }
.cta-title { font-weight: 800; color: var(--fmcu-navy); font-size: 15px; margin-bottom: 5px; }
.cta-body { font-size: 13.5px; color: var(--fmcu-text); line-height: 1.5; margin-bottom: 12px; }
.cta-btn { display: inline-block; padding: 9px 16px; background: var(--fmcu-navy); color: white; border-radius: 7px; font-size: 13px; font-weight: 700; text-decoration: none; }
.cta-btn:hover { background: var(--fmcu-teal); }

/* 50/30/20 benchmark (optional) */
.bench-card { padding: 0; }
.bench-toggle { width: 100%; display: flex; align-items: center; justify-content: space-between; padding: 16px 18px; background: none; border: none; cursor: pointer; font-family: var(--sans); font-weight: 700; color: var(--fmcu-navy); font-size: 14px; }
.bench-toggle.open .acc-caret { transform: rotate(180deg); }
.bench-body { padding: 0 18px 16px; }
.bench-dot { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px; }
.bench-dot.needs { background: var(--fmcu-teal); }
.bench-dot.wants { background: var(--fmcu-light-teal); }
.bench-dot.savings { background: var(--fmcu-green); }

/* Employer match */
.match-card { background: rgba(39,162,91,0.08); border: 1px solid rgba(39,162,91,0.25); border-radius: 12px; padding: 16px 18px; margin-top: 14px; }
.match-card h4 { font-family: var(--serif); font-size: 1.05rem; color: var(--fmcu-navy); margin: 0 0 8px; }
.match-row { display: flex; justify-content: space-between; align-items: center; }

/* ================================================================
   FORT McCLELLAN ADDITIONS — homepage strip, Classroom hub, workbooks
   ================================================================ */

/* Budget-builder CTA grid collapses on small screens */
@media (max-width: 820px) {
  .bb-cta-grid { grid-template-columns: 1fr !important; gap: 28px !important; }
}

/* County eligibility pills (homepage membership strip) */
.county-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: white;
  border: 1px solid var(--fmcu-border);
  color: var(--fmcu-navy);
  font-size: 14px;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: 22px;
}
.county-pill::before {
  content: '★';
  color: var(--fmcu-gold);
  font-size: 12px;
}

/* ===== CLASSROOM HUB ===== */
.classroom-intro { padding: 56px 0 8px; }
.classroom-intro .lead { font-size: 17px; color: var(--fmcu-text-light); max-width: 720px; line-height: 1.7; }

.audience-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 32px; }
.audience-card {
  background: white; border: 1px solid var(--fmcu-border); border-radius: 12px;
  padding: 22px; display: flex; gap: 14px; align-items: flex-start;
}
.audience-card .ac-icon {
  width: 44px; height: 44px; border-radius: 10px; flex: 0 0 auto;
  display: flex; align-items: center; justify-content: center; font-size: 22px;
  background: var(--fmcu-sky);
}
.audience-card h4 { font-family: var(--serif); font-size: 16px; color: var(--fmcu-navy); margin-bottom: 4px; }
.audience-card p { font-size: 13.5px; color: var(--fmcu-text-light); line-height: 1.55; }

.wb-section { padding: 40px 0 64px; }
.wb-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.wb-card {
  --accent: var(--fmcu-teal);
  background: white;
  border: 1px solid var(--fmcu-border);
  border-radius: 16px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s, transform 0.15s;
}
.wb-card:hover { box-shadow: 0 10px 30px rgba(20,48,22,0.12); transform: translateY(-3px); }

/* Book cover mock */
.wb-cover {
  position: relative;
  aspect-ratio: 4 / 3;
  background: linear-gradient(150deg, var(--accent) 0%, color-mix(in srgb, var(--accent) 65%, #000 12%) 100%);
  color: white;
  padding: 22px 22px 18px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
}
.wb-cover::after {
  content: '★';
  position: absolute;
  right: -18px; bottom: -26px;
  font-size: 150px;
  color: rgba(255,255,255,0.10);
  line-height: 1;
}
.wb-cover-top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; z-index: 1; }
.wb-cover-band {
  display: inline-block;
  background: var(--fmcu-gold);
  color: #3a2c00;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 20px;
}
.wb-cover-cu { font-size: 10px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.75); text-align: right; line-height: 1.3; }
.wb-cover-title { position: relative; z-index: 1; }
.wb-cover-title .emoji { font-size: 34px; display: block; margin-bottom: 8px; }
.wb-cover-title h3 { font-family: var(--serif); font-size: 22px; font-weight: 800; color: white; line-height: 1.15; }
.wb-cover-title .sub { font-size: 12.5px; color: rgba(255,255,255,0.85); margin-top: 4px; }

.wb-body { padding: 20px 22px 22px; display: flex; flex-direction: column; flex: 1; }
.wb-body > p { font-size: 14px; color: var(--fmcu-text-light); line-height: 1.6; margin-bottom: 14px; }
.wb-topics { list-style: none; margin: 0 0 18px; padding: 0; display: flex; flex-direction: column; gap: 7px; }
.wb-topics li { font-size: 13px; color: var(--fmcu-text); display: flex; gap: 8px; align-items: flex-start; }
.wb-topics li::before { content: '✓'; color: var(--accent); font-weight: 800; flex: 0 0 auto; }
.wb-actions { margin-top: auto; display: flex; gap: 10px; }
.wb-btn {
  flex: 1; text-align: center; padding: 10px 14px; border-radius: 8px;
  font-size: 14px; font-weight: 700; text-decoration: none; transition: background 0.2s, color 0.2s;
}
.wb-btn.primary { background: var(--accent); color: white; }
.wb-btn.primary:hover { filter: brightness(0.92); color: white; }
.wb-btn.ghost { border: 1px solid var(--fmcu-border); color: var(--fmcu-navy); }
.wb-btn.ghost:hover { border-color: var(--accent); color: var(--accent); }

/* Educator band */
.edu-band { background: var(--fmcu-navy); color: white; padding: 56px 0; }
.edu-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 44px; align-items: center; }
.edu-band .section-label { color: var(--fmcu-gold-light); }
.edu-band h2 { font-family: var(--serif); font-size: clamp(1.6rem,3vw,2.2rem); font-weight: 800; color: white; margin-bottom: 14px; }
.edu-band p { color: rgba(255,255,255,0.8); font-size: 15px; line-height: 1.7; margin-bottom: 16px; }
.edu-steps { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 14px; }
.edu-step { display: flex; gap: 14px; align-items: flex-start; }
.edu-step .num {
  flex: 0 0 auto; width: 30px; height: 30px; border-radius: 50%;
  background: var(--fmcu-gold); color: #3a2c00; font-weight: 800; font-size: 14px;
  display: flex; align-items: center; justify-content: center;
}
.edu-step h4 { font-size: 15px; color: white; margin-bottom: 2px; }
.edu-step p { font-size: 13.5px; color: rgba(255,255,255,0.72); margin: 0; }
.edu-cta-card {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.14);
  border-radius: 16px; padding: 28px;
}
.edu-cta-card h3 { font-family: var(--serif); font-size: 20px; color: white; margin-bottom: 8px; }
.edu-cta-card p { font-size: 14px; }
.edu-form { display: flex; flex-direction: column; gap: 12px; margin-top: 8px; }
.edu-form input, .edu-form select {
  width: 100%; padding: 11px 14px; border-radius: 8px;
  border: 1px solid rgba(255,255,255,0.18); background: rgba(255,255,255,0.08);
  color: white; font-family: var(--sans); font-size: 15px;
}
.edu-form input::placeholder { color: rgba(255,255,255,0.45); }
.edu-form input:focus, .edu-form select:focus { outline: none; border-color: var(--fmcu-gold-light); }
.edu-form select option { color: #1E2A20; }
.edu-form button {
  padding: 13px; border: none; border-radius: 8px; background: var(--fmcu-gold);
  color: #3a2c00; font-family: var(--sans); font-weight: 800; font-size: 15px; cursor: pointer;
  transition: filter 0.2s;
}
.edu-form button:hover { filter: brightness(0.95); }

@media (max-width: 900px) {
  .wb-grid { grid-template-columns: repeat(2, 1fr); }
  .audience-row { grid-template-columns: 1fr; }
  .edu-grid { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 600px) {
  .wb-grid { grid-template-columns: 1fr; }
}

/* ===== WORKBOOK PREVIEW DOCUMENTS (workbooks/*.html) ===== */
.wb-doc-bar {
  position: sticky; top: 0; z-index: 50;
  background: var(--fmcu-navy); color: white;
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 12px 24px;
}
.wb-doc-bar a { color: rgba(255,255,255,0.85); text-decoration: none; font-size: 14px; font-weight: 600; }
.wb-doc-bar a:hover { color: var(--fmcu-gold-light); }
.wb-doc-bar .spacer { flex: 1; }
.wb-doc-bar button {
  background: var(--fmcu-gold); color: #3a2c00; border: none; border-radius: 7px;
  padding: 9px 18px; font-family: var(--sans); font-weight: 800; font-size: 14px; cursor: pointer;
}
.wb-doc-note {
  max-width: 820px; margin: 20px auto 0; padding: 0 24px;
  font-size: 13px; color: var(--fmcu-text-light); font-style: italic; text-align: center;
}
.wb-doc { max-width: 820px; margin: 20px auto 60px; padding: 0 24px; }
.wb-page {
  background: white; border: 1px solid var(--fmcu-border); border-radius: 10px;
  padding: 48px 52px; margin-bottom: 26px; box-shadow: 0 2px 16px rgba(20,48,22,0.06);
}
.wb-page-num { font-size: 12px; color: var(--fmcu-text-light); text-align: right; margin-top: 24px; letter-spacing: 0.04em; }

/* cover page */
.wb-page.cover {
  --accent: var(--fmcu-teal);
  background: linear-gradient(155deg, var(--accent) 0%, color-mix(in srgb, var(--accent) 62%, #000 15%) 100%);
  color: white; border: none; text-align: center; padding: 70px 52px;
  position: relative; overflow: hidden;
}
.wb-page.cover::after { content: '★'; position: absolute; right: -40px; bottom: -60px; font-size: 320px; color: rgba(255,255,255,0.09); }
.wb-page.cover .band { display: inline-block; background: var(--fmcu-gold); color: #3a2c00; font-weight: 800; font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; padding: 6px 16px; border-radius: 22px; margin-bottom: 22px; }
.wb-page.cover .emoji { font-size: 76px; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
.wb-page.cover h1 { font-family: var(--serif); font-size: 40px; font-weight: 800; color: white; line-height: 1.1; margin-bottom: 10px; position: relative; z-index: 1; }
.wb-page.cover .subtitle { font-size: 17px; color: rgba(255,255,255,0.9); position: relative; z-index: 1; }
.wb-page.cover .cu-mark { margin-top: 40px; font-size: 13px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.85); position: relative; z-index: 1; }

.wb-page h2 { font-family: var(--serif); font-size: 26px; font-weight: 800; color: var(--fmcu-navy); margin-bottom: 6px; }
.wb-page .lesson-tag { font-size: 12px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent, var(--fmcu-teal)); margin-bottom: 18px; }
.wb-page p { font-size: 15px; color: var(--fmcu-text); line-height: 1.7; margin-bottom: 14px; }
.wb-page .intro { font-size: 16px; color: var(--fmcu-text-light); }

.wb-activity {
  border: 2px dashed var(--fmcu-border); border-radius: 12px;
  padding: 22px 24px; margin: 20px 0; background: var(--fmcu-warm-white);
}
.wb-activity .a-label { display: inline-block; background: var(--fmcu-sky); color: var(--fmcu-navy); font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.06em; padding: 4px 10px; border-radius: 5px; margin-bottom: 12px; }
.wb-activity h3 { font-size: 17px; color: var(--fmcu-navy); margin-bottom: 10px; }
.wb-activity ol, .wb-activity ul { margin: 10px 0 6px 20px; }
.wb-activity li { font-size: 14.5px; color: var(--fmcu-text); margin-bottom: 8px; line-height: 1.6; }

.write-line { border-bottom: 2px solid var(--fmcu-border); height: 30px; margin: 10px 0; }
.write-box { border: 2px solid var(--fmcu-border); border-radius: 8px; min-height: 90px; margin: 10px 0; }
.write-lines { display: flex; flex-direction: column; gap: 20px; margin: 14px 0; }
.write-lines .write-line { margin: 0; }

.wb-table { width: 100%; border-collapse: collapse; margin: 14px 0; font-size: 14px; }
.wb-table th { background: var(--accent, var(--fmcu-teal)); color: white; text-align: left; padding: 10px 12px; font-size: 12px; text-transform: uppercase; letter-spacing: 0.04em; }
.wb-table td { border: 1px solid var(--fmcu-border); padding: 12px; height: 24px; }
.wb-table td.fill { background: var(--fmcu-warm-white); }

.coin-row { display: flex; flex-wrap: wrap; gap: 16px; margin: 16px 0; justify-content: center; }
.coin { width: 74px; height: 74px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; color: #3a2c00; background: radial-gradient(circle at 35% 30%, #ffe08a, var(--fmcu-gold)); border: 3px solid #d99e12; font-size: 14px; text-align: center; }
.matchbox { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 40px; margin: 14px 0; }
.matchbox .mb-item { display: flex; align-items: center; gap: 12px; font-size: 15px; padding: 10px 14px; border: 1px solid var(--fmcu-border); border-radius: 8px; background: white; }
.matchbox .mb-item .dot { width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--accent, var(--fmcu-teal)); flex: 0 0 auto; }

.callout-tip { background: var(--fmcu-gold-soft); border-left: 4px solid var(--fmcu-gold); border-radius: 0 8px 8px 0; padding: 16px 20px; margin: 18px 0; font-size: 14.5px; color: var(--fmcu-text); line-height: 1.6; }
.callout-tip strong { color: var(--fmcu-navy); }

@media (max-width: 600px) {
  .wb-page { padding: 30px 24px; }
  .wb-page.cover h1 { font-size: 30px; }
  .matchbox { grid-template-columns: 1fr; }
}

/* Print: clean workbook pages, hide chrome */
@media print {
  .wb-doc-bar, .wb-doc-note { display: none !important; }
  .wb-doc { margin: 0; padding: 0; max-width: none; }
  .wb-page { border: none; box-shadow: none; border-radius: 0; margin: 0; padding: 40px 44px; page-break-after: always; }
  .wb-page:last-child { page-break-after: auto; }
  .wb-page.cover { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}