/* HomeownerPedia
   Layout pattern: a financial education site. White masthead, light blue hero with a big
   centered navy headline, pastel topic cards with spot illustrations, single centered
   reading column on articles. Rubik throughout. Colors come from the logo. */

:root{
  --navy:#0d2b55;
  --navy-deep:#071d3d;
  --text:#1e2a3a;
  --muted:#5a6878;
  --sky:#eef4fb;        /* hero and section tint */
  --sky-2:#dfe9f6;
  --line:#dbe3ec;
  --white:#fff;
  --sell:#1f9d67;  --sell-tint:#dff3e8;
  --insure:#1667dc; --insure-tint:#e0ecfc;
  --timeshare:#0a8c9e; --timeshare-tint:#dcf1f4;
  --solar:#e59a12; --solar-tint:#fdf1d3;
  --sans:"Rubik",Arial,Helvetica,sans-serif;
  --wrap:1180px;
  --col:760px;
  --gut:clamp(16px,4vw,40px);
  --r:12px;
}
.t-sell{--c:var(--sell);--tint:var(--sell-tint);--on:#fff}
.t-insure{--c:var(--insure);--tint:var(--insure-tint);--on:#fff}
.t-timeshare{--c:var(--timeshare);--tint:var(--timeshare-tint);--on:#fff}
.t-solar{--c:var(--solar);--tint:var(--solar-tint);--on:var(--navy)}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:120px}
body{margin:0;background:var(--white);color:var(--text);font:400 17px/1.65 var(--sans)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--insure);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:3px solid var(--solar);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.narrow{max-width:820px}
.col{max-width:calc(var(--col) + 2 * var(--gut))}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:8px}
h1,h2,h3{color:var(--navy);font-weight:700;line-height:1.15;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(2rem,4vw,2.6rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.4rem,2.3vw,1.75rem);margin:2em 0 .6em}
h3{font-size:1.15rem}
.small{font-size:.85rem;color:var(--muted)}
.lede{font-size:1.2rem;line-height:1.55;max-width:44em}

/* buttons */
.btn{display:inline-block;font-weight:600;font-size:1rem;line-height:1;padding:15px 22px;border-radius:8px;border:2px solid var(--navy);text-decoration:none}
.btn:hover{text-decoration:none}
.btn-solid{background:var(--sell);border-color:var(--sell);color:#fff}
.btn-solid:hover{background:#18845a;border-color:#18845a}
.btn-line{color:var(--navy);background:#fff}
.btn-line:hover{background:var(--sky)}
.btn-sm{padding:11px 16px;font-size:.92rem}

/* masthead */
.masthead{background:#fff;position:sticky;top:0;z-index:30;box-shadow:0 1px 0 var(--line)}
.mh-row{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:76px}
.brand img{width:200px}
.primary{display:flex;align-items:center;justify-content:space-between;flex:1;gap:20px}
.cats{display:flex;gap:26px}
.cats a{color:var(--navy);font-weight:600;font-size:.98rem;padding:6px 0;border-bottom:3px solid transparent}
.cats a:hover,.cats a.is-on{text-decoration:none;border-bottom-color:var(--sell)}
.util{display:flex;align-items:center;gap:20px}
.util > a:not(.btn){color:var(--navy);font-weight:500;font-size:.95rem}
.nav-toggle{display:none}

/* subbar (articles) */
.subbar{background:var(--sky)}
.sb-row{display:flex;align-items:center;gap:16px;min-height:52px;font-size:.98rem}
.sb-cat{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:600}
.sb-ico{display:inline-flex;width:28px;height:28px}
.sb-ico svg{width:28px;height:28px}
.sb-sep{width:1px;height:22px;background:var(--line)}
.sb-link{color:var(--navy)}

/* home hero + category cards */
.hero{background:var(--sky);text-align:center;padding:clamp(44px,7vw,84px) 0 clamp(120px,14vw,170px)}
.hero h1{font-size:clamp(2.3rem,5.2vw,3.9rem);letter-spacing:-.02em;margin:0 auto .5em;max-width:16em}
.hero-lede{font-size:1.2rem;max-width:40em;margin:0 auto}
.cats-sec{margin-top:clamp(-96px,-10vw,-120px);position:relative}
.cat-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}
.cat-card{display:flex;flex-direction:column;align-items:center;text-align:center;background:var(--tint);border-radius:18px;padding:0 22px 26px;height:100%;color:var(--navy);transition:transform .15s ease}
.cat-card:hover{text-decoration:none;transform:translateY(-3px)}
.cc-ico{width:92px;height:92px;margin-top:-30px;display:flex;align-items:center;justify-content:center;background:#fff;border-radius:50%;box-shadow:0 6px 18px rgba(13,43,85,.08)}
.cc-ico svg{width:56px;height:56px}
.cc-title{font-weight:700;font-size:1.25rem;margin:16px 0 6px}
.cc-sub{color:var(--text);font-size:.98rem;line-height:1.45;max-width:24em}

/* trust band */
.trust{padding:clamp(48px,6vw,80px) 0 0}
.trust-box{background:var(--sky);border-radius:20px;padding:clamp(28px,4vw,48px) var(--gut);text-align:center}
.trust-box h2{margin:0 0 1.1em;font-size:clamp(1.6rem,3vw,2.3rem)}
.trust-points{list-style:none;margin:0 auto;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;max-width:1000px;text-align:left}
.trust-points li{position:relative;padding-left:18px;border-left:4px solid var(--sell)}
.trust-points li:nth-child(2){border-left-color:var(--insure)}
.trust-points li:nth-child(3){border-left-color:var(--solar)}
.trust-points strong{display:block;font-size:1.2rem;color:var(--navy);line-height:1.25;margin-bottom:6px}
.trust-points span{color:var(--text);font-size:.98rem;line-height:1.5}

/* search */
.search-sec{padding:clamp(48px,6vw,80px) 0 0;text-align:center}
.search-sec h2{margin:0 0 .9em}
.search{display:flex;border:1px solid #b9c5d3;border-radius:6px;overflow:hidden;text-align:left}
.search input{flex:1;border:0;font:inherit;padding:16px 18px;min-width:0;color:var(--text)}
.search input:focus{outline:none}
.search button{border:0;background:var(--navy);color:#fff;width:70px;cursor:pointer;display:flex;align-items:center;justify-content:center}
.search-results{list-style:none;margin:10px 0 0;padding:0;text-align:left;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.search-results li a{display:block;padding:12px 16px;border-bottom:1px solid var(--line);color:var(--text)}
.search-results li:last-child a{border-bottom:0}
.search-results li a:hover{background:var(--sky);text-decoration:none}
.search-results .sr-t{font-weight:600;color:var(--navy);display:block}
.search-results .sr-c{font-size:.82rem;color:var(--muted)}
.search-results .sr-none{display:block;padding:12px 16px;color:var(--muted)}
.search-results .sr-none a{font-weight:600}

/* guide cards */
.sec-row{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin-bottom:1.2rem}
.sec-row h2{margin:0}
.more{font-weight:600;color:var(--navy)}
.latest{padding:clamp(48px,6vw,80px) 0 0}
.g-cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.g-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;height:100%;color:var(--text);transition:box-shadow .15s ease}
.g-card:hover{text-decoration:none;box-shadow:0 10px 28px rgba(13,43,85,.10)}
.card-img{width:100%;aspect-ratio:16/9;object-fit:cover;background:var(--sky)}
.no-img{display:block;background:var(--tint)}
.g-tag{display:inline-block;align-self:flex-start;margin:16px 18px 0;font-size:.78rem;font-weight:600;padding:5px 9px;border-radius:5px;background:var(--tint);color:var(--navy)}
.g-title{font-weight:700;font-size:1.15rem;line-height:1.3;color:var(--navy);margin:10px 18px 0}
.g-blurb{font-size:.95rem;color:var(--muted);margin:8px 18px 18px}

/* how + faq */
.how{padding:clamp(48px,6vw,80px) 0}
.how-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:40px;align-items:start}
.how h2{margin:0 0 .5em}
.steps{margin:0;padding:0;list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.steps li{counter-increment:s;background:var(--sky);border-radius:14px;padding:22px}
.steps li::before{content:counter(s);display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:12px}
.steps strong{display:block;color:var(--navy);margin-bottom:.3rem}
.home-faq{padding:0 0 clamp(48px,6vw,80px)}
.home-faq h2,.search-sec h2{text-align:center}
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;font-weight:600;font-size:1.05rem;color:var(--navy);padding:18px 40px 18px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:14px;height:14px;margin-top:-7px;
  background:linear-gradient(var(--navy),var(--navy)) center/14px 2.5px no-repeat,linear-gradient(var(--navy),var(--navy)) center/2.5px 14px no-repeat;transition:transform .2s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 20px;max-width:64ch}

/* article */
.pills{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 18px}
.pill{background:var(--sky);color:var(--navy);font-weight:600;padding:14px 20px;border-radius:8px;font-size:.95rem;flex:1 1 auto;text-align:center}
.pill:hover{background:var(--sky-2);text-decoration:none}
.comp-note{border:1px solid var(--line);border-radius:8px;padding:12px 16px;font-size:.88rem;color:var(--muted);text-align:center;margin:0 0 18px}
.crumbs{font-size:.88rem;color:var(--muted)}
.crumbs a{color:var(--muted)}
.entry-head{display:grid;grid-template-columns:minmax(0,1fr) 170px;gap:24px;align-items:center;margin-top:10px}
.entry-title h1{margin:0 0 .5em}
.entry-spot{display:flex;align-items:center;justify-content:center;width:170px;height:170px;border-radius:50%;background:var(--tint)}
.entry-spot svg{width:104px;height:104px}
.byline{display:flex;flex-wrap:wrap;gap:12px 28px;font-size:.85rem;color:var(--muted);line-height:1.3}
.by{display:flex;align-items:center;gap:10px}
.by strong{color:var(--navy);font-weight:600}
.standard{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:10px 0;margin:16px 0 0}
.standard a{font-weight:600}
.plate{margin:22px 0 10px;border-radius:var(--r);overflow:hidden;background:var(--sky)}
.plate img{width:100%;aspect-ratio:16/9;object-fit:cover}
.prose{font-size:1.08rem;line-height:1.75}
.prose h2{font-size:1.65rem;margin-top:1.8em;scroll-margin-top:140px}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.4em 0}
.prose li::marker{color:var(--c,var(--navy));font-weight:600}
.answer{background:var(--sky);border-radius:var(--r);padding:22px 26px;margin:26px 0}
.answer-label{font-weight:700;color:var(--navy);margin:0 0 .5rem;font-size:.95rem}
.answer p:last-child,.answer ul:last-child{margin-bottom:0}
.toc{border:1px solid var(--line);border-radius:var(--r);padding:18px 22px;margin:26px 0}
.toc-h{font-weight:700;color:var(--navy);margin:0 0 .6rem}
.toc ol{list-style:none;margin:0;padding:0;columns:2;column-gap:28px;font-size:.98rem}
.toc li{margin:0;padding:6px 0 6px 18px;position:relative;break-inside:avoid}
.toc li::before{content:"";position:absolute;left:0;top:15px;width:7px;height:7px;border-radius:50%;background:var(--line)}
.toc a{color:var(--text)}
.toc a.is-here{color:var(--navy);font-weight:600}

.next-step{background:var(--navy);color:#fff;border-radius:16px;padding:28px 30px 26px;margin:30px 0}
.ns-kicker{font-size:.85rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;opacity:.8;margin:0 0 .6rem}
.ns-title{color:#fff;font-size:1.5rem;margin:0 0 .4rem}
.ns-lede{margin:0 0 1rem;font-size:1rem}
.ns-points{list-style:none;padding:0;margin:0 0 1.3rem;display:flex;flex-wrap:wrap;gap:8px;counter-reset:n}
.ns-points li{counter-increment:n;font-size:.9rem;border:1.5px solid rgba(255,255,255,.4);border-radius:999px;padding:8px 14px 8px 10px;margin:0}
.ns-points li::before{content:counter(n);font-weight:700;margin-right:8px;color:#ffd166}
.next-step .btn{background:var(--c,var(--sell));border-color:var(--c,var(--sell));color:var(--on,#fff)}
.next-step .btn:hover{filter:brightness(1.08)}
.ns-note{font-size:.85rem;opacity:.85;margin:.9rem 0 0}
.ref-disclosure{font-size:.95rem;color:var(--muted);background:var(--sky);border-radius:var(--r);padding:16px 20px;margin:2.2em 0}
.sources{margin-top:2.5rem;font-size:.92rem}
.sources h2{font-size:1.1rem;margin:0 0 .4rem}
.related{margin:40px 0 70px}
.related h2{margin:0 0 1rem}
.related .g-cards{grid-template-columns:repeat(3,minmax(0,1fr))}

/* index + legal */
.page-head{padding:44px 0 10px;max-width:860px}
.g-sec{padding:28px 0 18px}
.g-sec h2{display:flex;align-items:center;gap:12px;margin:.6em 0 1rem}
.legal h2{font-size:1.3rem;margin-top:1.8em}
.legal{padding-bottom:72px}

/* footer */
.colophon{border-top:1px solid var(--line);background:#fff;font-size:.95rem;padding:52px 0 36px;margin-top:40px}
.cf-grid{display:grid;grid-template-columns:1fr 1fr 1.3fr 1.5fr;gap:40px}
.cf-h{font-weight:700;color:var(--navy);margin:0 0 .6rem}
.colophon ul{list-style:none;margin:0;padding:0}
.colophon li{margin:.35rem 0}
.colophon a{color:var(--text)}
.cf-brand img{width:180px;margin-bottom:12px}
.cf-brand p{margin:0;color:var(--muted)}
.cf-fine{border-top:1px solid var(--line);margin-top:36px;padding-top:20px;font-size:.84rem;color:var(--muted)}
.cf-fine a{color:var(--muted)}

/* responsive */
@media (max-width:1060px){
  .cats{gap:18px}
  .cats a{font-size:.92rem}
  .g-cards,.related .g-cards{grid-template-columns:repeat(2,minmax(0,1fr))}
  .cat-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .how-grid{grid-template-columns:1fr}
  .cf-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .mh-row{min-height:64px}
  .brand img{width:170px}
  .nav-toggle{display:block;font:600 .95rem/1 var(--sans);color:var(--navy);background:none;border:2px solid var(--navy);border-radius:8px;padding:10px 14px;cursor:pointer}
  .primary{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;box-shadow:0 12px 24px rgba(13,43,85,.12);flex-direction:column;align-items:stretch;gap:0;padding:8px var(--gut) 18px}
  .primary.is-open{display:flex}
  .cats{flex-direction:column;gap:0}
  .cats a{padding:12px 0;border-bottom:1px solid var(--line)}
  .util{flex-direction:column;align-items:stretch;gap:0;margin-top:8px}
  .util > a:not(.btn){padding:12px 0;border-bottom:1px solid var(--line)}
  .util .btn{margin-top:14px;text-align:center}
  .hero{padding-bottom:90px}
  .cats-sec{margin-top:-60px}
  .entry-head{grid-template-columns:1fr}
  .entry-spot{display:none}
  .steps,.trust-points{grid-template-columns:1fr}
  .toc ol{columns:1}
}
@media (max-width:600px){
  body{font-size:16px}
  .cat-grid,.g-cards,.related .g-cards{grid-template-columns:1fr}
  .cat-card{flex-direction:row;text-align:left;align-items:center;gap:16px;padding:16px 18px}
  .cc-ico{margin:0;width:64px;height:64px;flex:none}
  .cc-ico svg{width:40px;height:40px}
  .cc-title{margin:0 0 2px;font-size:1.1rem}
  .cc-sub{font-size:.9rem}
  .cat-card > span:not(.cc-ico){display:block}
  .cat-card{display:grid;grid-template-columns:64px 1fr;column-gap:16px}
  .cc-ico{grid-row:span 2}
  .pill{flex:1 1 100%}
  .next-step{padding:22px 20px}
  .cf-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
}