/* =====================================================
   ILPaycheck.com — Main Stylesheet
   Design: Editorial / Refined — Deep Navy + Gold Accent
   Fonts: DM Serif Display + DM Sans
   ===================================================== */

/* ---------- CSS VARIABLES ---------- */
:root {
  --navy:      #0f1f3d;
  --navy-mid:  #162845;
  --navy-light:#1e3560;
  --gold:      #c9a94b;
  --gold-light:#e8c96d;
  --gold-pale: #f9f2e0;
  --cream:     #faf8f4;
  --white:     #ffffff;
  --gray-100:  #f4f5f7;
  --gray-200:  #e8eaed;
  --gray-400:  #9aa3b0;
  --gray-600:  #5a6372;
  --gray-800:  #2d3340;
  --red:       #d44a4a;
  --green:     #2d8a5e;
  --il-blue:   #003087; /* Illinois state color */

  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;

  --radius-sm:  6px;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow-sm:  0 2px 8px rgba(15,31,61,.08);
  --shadow:     0 8px 32px rgba(15,31,61,.12);
  --shadow-lg:  0 16px 48px rgba(15,31,61,.16);

  --transition: 0.22s ease;
  --max-w: 1200px;
}

/* ---------- RESET & BASE ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-800);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--il-blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
strong { font-weight: 600; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.25;
  font-weight: 400;
}

.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 20px;
}

/* ---------- HEADER ---------- */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 20px rgba(0,0,0,.25);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--white);
}

.logo-icon { font-size: 24px; }

.logo-text {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--white);
  letter-spacing: -.3px;
}

.logo-dot { color: var(--gold); }

.main-nav ul {
  list-style: none;
  display: flex;
  gap: 4px;
}

.nav-link {
  display: block;
  padding: 8px 16px;
  color: rgba(255,255,255,.75);
  font-size: 14px;
  font-weight: 500;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: all var(--transition);
}

.nav-link:hover,
.nav-link.active {
  color: var(--white);
  background: rgba(255,255,255,.1);
}

.nav-link.active { color: var(--gold-light); }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 24px;
  cursor: pointer;
}

/* ---------- HERO ---------- */
.hero {
  position: relative;
  background: var(--navy);
  padding: 72px 0 56px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 600px 400px at 80% -20%, rgba(201,169,75,.15) 0%, transparent 70%),
    radial-gradient(ellipse 400px 300px at -10% 120%, rgba(0,48,135,.4) 0%, transparent 60%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  text-align: center;
  max-width: 760px;
  margin: 0 auto;
}

.hero-badge {
  display: inline-block;
  background: rgba(201,169,75,.2);
  color: var(--gold-light);
  border: 1px solid rgba(201,169,75,.4);
  padding: 5px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .5px;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(36px, 6vw, 64px);
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: -.5px;
}

.hero-subtitle {
  font-size: 18px;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: 40px;
}

.hero-subtitle strong { color: var(--gold-light); font-weight: 600; }

.hero-stats {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  padding: 20px 32px;
  backdrop-filter: blur(8px);
}

.stat {
  text-align: center;
  padding: 0 32px;
}

.stat-num {
  display: block;
  font-family: var(--font-display);
  font-size: 32px;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 4px;
}

.stat-label {
  font-size: 12px;
  color: rgba(255,255,255,.6);
  letter-spacing: .3px;
  text-transform: uppercase;
}

.stat-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,.15);
}

/* ---------- PAGE HERO (inner pages) ---------- */
.page-hero {
  background: var(--navy);
  padding: 56px 0 48px;
  text-align: center;
}

.page-hero .hero-title { font-size: clamp(28px, 5vw, 48px); }

/* ---------- CALCULATOR SECTION ---------- */
.calculator-section {
  padding: 60px 0;
}

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}

.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
}

.card-title {
  font-size: 22px;
  margin-bottom: 28px;
  color: var(--navy);
  padding-bottom: 16px;
  border-bottom: 2px solid var(--gold-pale);
}

/* Form Elements */
.field-group { margin-bottom: 20px; }

.field-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-600);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 8px;
}

.mt { margin-top: 14px; }

.input-wrap {
  display: flex;
  align-items: center;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition);
}

.input-wrap:focus-within { border-color: var(--il-blue); }

.input-prefix {
  padding: 0 12px;
  background: var(--gray-100);
  color: var(--gray-600);
  font-weight: 600;
  height: 44px;
  display: flex;
  align-items: center;
  border-right: 2px solid var(--gray-200);
  font-size: 15px;
}

.calc-input {
  flex: 1;
  border: none;
  outline: none;
  padding: 0 14px;
  height: 44px;
  font-size: 15px;
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
}

.calc-select {
  width: 100%;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 0 14px;
  height: 44px;
  font-size: 15px;
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  outline: none;
  cursor: pointer;
  transition: border-color var(--transition);
}

.calc-select:focus { border-color: var(--il-blue); }

.field-hint {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 6px;
  line-height: 1.5;
}

/* Toggle Group */
.toggle-group {
  display: flex;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.toggle-btn {
  flex: 1;
  padding: 10px;
  border: none;
  background: var(--white);
  color: var(--gray-600);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  font-family: var(--font-body);
}

.toggle-btn.active {
  background: var(--navy);
  color: var(--white);
}

/* Deductions Grid */
.deductions-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.deduction-item label {
  display: block;
  font-size: 12px;
  font-weight: 500;
  color: var(--gray-600);
  margin-bottom: 6px;
}

.input-wrap.small .calc-input { height: 38px; font-size: 13px; }
.input-wrap.small .input-prefix { height: 38px; font-size: 13px; }

/* Calculate Button */
.calc-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--il-blue) 100%);
  color: var(--white);
  border: none;
  border-radius: var(--radius-sm);
  font-size: 16px;
  font-weight: 600;
  font-family: var(--font-body);
  cursor: pointer;
  margin-top: 24px;
  transition: all var(--transition);
  text-decoration: none;
}

.calc-btn:hover {
  background: linear-gradient(135deg, var(--navy-light) 0%, #0041c4 100%);
  transform: translateY(-1px);
  box-shadow: var(--shadow);
  color: var(--white);
}

/* Results Panel */
.take-home-hero {
  text-align: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 28px;
}

.th-label {
  font-size: 12px;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: .8px;
  margin-bottom: 8px;
}

.th-amount {
  font-family: var(--font-display);
  font-size: 48px;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 6px;
}

.th-frequency {
  font-size: 14px;
  color: rgba(255,255,255,.6);
}

/* Breakdown */
.results-breakdown { margin-bottom: 28px; }

.breakdown-section { margin-bottom: 20px; }

.breakdown-header {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--gray-400);
  margin-bottom: 8px;
  padding-bottom: 6px;
  border-bottom: 1px solid var(--gray-200);
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  font-size: 14px;
  color: var(--gray-800);
}

.breakdown-row.gross { font-weight: 600; }

.breakdown-row.highlight-il {
  color: var(--il-blue);
  font-weight: 600;
}

.breakdown-row span:last-child {
  font-weight: 600;
  color: var(--red);
}

.breakdown-row.gross span:last-child { color: var(--green); }

.breakdown-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 16px;
  background: var(--gold-pale);
  border: 2px solid var(--gold);
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 16px;
  color: var(--navy);
  margin-top: 8px;
}

/* Annual Summary */
.annual-summary {
  border-top: 2px solid var(--gray-200);
  padding-top: 20px;
}

.annual-summary h3 {
  font-size: 16px;
  margin-bottom: 16px;
}

.annual-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.annual-item {
  background: var(--gray-100);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}

.annual-label {
  display: block;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--gray-400);
  margin-bottom: 4px;
}

.annual-val {
  display: block;
  font-size: 18px;
  font-weight: 700;
  font-family: var(--font-display);
  color: var(--navy);
}

.annual-val.red { color: var(--red); }
.annual-val.green { color: var(--green); }

.disclaimer {
  font-size: 11px;
  color: var(--gray-400);
  margin-top: 20px;
  line-height: 1.6;
  padding-top: 16px;
  border-top: 1px solid var(--gray-200);
}

.hidden { display: none !important; }

/* ---------- INFO SECTION ---------- */
.info-section {
  padding: 72px 0;
  background: var(--white);
}

.section-title {
  font-size: clamp(24px, 4vw, 38px);
  color: var(--navy);
  margin-bottom: 16px;
  text-align: center;
}

.section-intro {
  text-align: center;
  color: var(--gray-600);
  font-size: 17px;
  margin-bottom: 48px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.info-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
}

.info-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--gold);
}

.info-icon { font-size: 32px; margin-bottom: 14px; }

.info-card h3 {
  font-size: 16px;
  margin-bottom: 10px;
  color: var(--navy);
}

.info-card p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.65;
}

/* ---------- RATES TABLE ---------- */
.rates-section {
  padding: 64px 0;
  background: var(--navy);
}

.rates-section .section-title { color: var(--white); }
.rates-section .section-intro { color: rgba(255,255,255,.65); }

.rates-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}

.rates-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
}

.rates-table thead {
  background: var(--navy-mid);
  color: var(--gold-light);
}

.rates-table th {
  padding: 14px 20px;
  text-align: left;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .6px;
}

.rates-table td {
  padding: 14px 20px;
  font-size: 14px;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-200);
}

.rates-table tbody tr:last-child td { border-bottom: none; }

.rates-table tbody tr:hover td { background: var(--gray-100); }

.il-row td { font-weight: 600; }
.il-row td:first-child { color: var(--il-blue); }

.rate-cell {
  font-weight: 700;
  color: var(--navy) !important;
  font-family: var(--font-display);
  font-size: 16px !important;
}

.table-note {
  font-size: 12px;
  color: rgba(255,255,255,.5);
  margin-top: 16px;
  text-align: center;
}

.rates-section .table-note { color: rgba(255,255,255,.45); }

/* ---------- FAQ ---------- */
.faq-section {
  padding: 72px 0;
  background: var(--cream);
}

.faq-list { max-width: 760px; margin: 0 auto; }

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow var(--transition);
}

.faq-item:hover { box-shadow: var(--shadow-sm); }

.faq-item summary {
  padding: 20px 24px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  list-style: none;
  color: var(--navy);
  position: relative;
  padding-right: 48px;
}

.faq-item summary::after {
  content: '+';
  position: absolute;
  right: 20px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 22px;
  color: var(--gold);
  font-weight: 300;
  transition: transform var(--transition);
}

.faq-item[open] summary::after {
  content: '−';
}

.faq-item p {
  padding: 0 24px 20px;
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ---------- BLOG TEASER ---------- */
.blog-teaser {
  background: var(--white);
  padding: 64px 0;
  border-top: 1px solid var(--gray-200);
}

.teaser-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.teaser-badge {
  display: inline-block;
  background: var(--gold-pale);
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 16px;
}

.teaser-text h2 {
  font-size: 30px;
  margin-bottom: 16px;
  color: var(--navy);
}

.teaser-text p {
  color: var(--gray-600);
  margin-bottom: 24px;
  line-height: 1.7;
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 12px 24px;
  border: 2px solid var(--navy);
  color: var(--navy);
  border-radius: var(--radius-sm);
  font-weight: 600;
  text-decoration: none;
  transition: all var(--transition);
}

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}

/* Decorative card visual */
.teaser-img { display: flex; justify-content: center; }

.teaser-card-visual {
  width: 280px;
  height: 200px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: relative;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.tcv-line {
  height: 10px;
  border-radius: 100px;
  background: rgba(255,255,255,.15);
  margin-bottom: 12px;
}

.tcv-l1 { width: 80%; }
.tcv-l2 { width: 60%; }
.tcv-l3 { width: 70%; }

.tcv-badge {
  position: absolute;
  bottom: 24px;
  left: 28px;
  background: var(--gold);
  color: var(--navy);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 700;
}

/* ---------- CTA BANNER ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--il-blue) 0%, var(--navy) 100%);
  padding: 56px 0;
}

.cta-inner {
  text-align: center;
  max-width: 560px;
  margin: 0 auto;
}

.cta-inner h2 {
  color: var(--white);
  font-size: 30px;
  margin-bottom: 12px;
}

.cta-inner p {
  color: rgba(255,255,255,.75);
  margin-bottom: 28px;
}

/* ---------- BLOG LISTING ---------- */
.blog-listing {
  padding: 64px 0;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 28px;
  margin-bottom: 48px;
}

.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.blog-card.featured { border-color: var(--gold); }

.blog-card-tag {
  display: inline-block;
  background: var(--gold-pale);
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 3px 10px;
  border-radius: 100px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
  margin-bottom: 14px;
  width: fit-content;
}

.blog-card-title {
  font-size: 22px;
  margin-bottom: 12px;
  flex: 1;
}

.blog-card-title a { color: var(--navy); text-decoration: none; }
.blog-card-title a:hover { color: var(--il-blue); }

.blog-card-excerpt {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 16px;
}

.blog-card-meta {
  display: flex;
  gap: 16px;
  font-size: 12px;
  color: var(--gray-400);
  margin-bottom: 16px;
}

.blog-card-link {
  font-weight: 600;
  color: var(--il-blue);
  font-size: 14px;
}

.coming-soon-block {
  text-align: center;
  padding: 48px;
  background: var(--gray-100);
  border-radius: var(--radius-lg);
  border: 2px dashed var(--gray-200);
}

.coming-soon-block h3 { margin-bottom: 12px; }
.coming-soon-block p { color: var(--gray-600); margin-bottom: 24px; }

/* ---------- BLOG POST ---------- */
.breadcrumb-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 10px 0;
}

.breadcrumb {
  list-style: none;
  display: flex;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-400);
}

.breadcrumb li:not(:last-child)::after {
  content: '›';
  margin-left: 8px;
  color: var(--gray-400);
}

.breadcrumb a { color: var(--il-blue); }

.post-main { padding: 56px 0; }

.post-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
  align-items: start;
}

.post-article { min-width: 0; }

.post-header { margin-bottom: 40px; }

.post-tag {
  display: inline-block;
  background: var(--gold-pale);
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
  margin-bottom: 16px;
}

.post-title {
  font-size: clamp(28px, 4vw, 44px);
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}

.post-subtitle {
  font-size: 18px;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 20px;
}

.post-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 13px;
  color: var(--gray-400);
}

/* TOC */
.toc {
  background: var(--gold-pale);
  border: 1px solid var(--gold);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-bottom: 40px;
}

.toc-title {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--navy);
  margin-bottom: 14px;
  font-family: var(--font-body);
}

.toc-list { padding-left: 18px; }

.toc-list li {
  margin-bottom: 8px;
  font-size: 14px;
}

.toc-list a { color: var(--il-blue); text-decoration: none; }
.toc-list a:hover { color: var(--navy); }

/* Placeholder Notice */
.placeholder-notice {
  background: #fff8e6;
  border: 2px solid #f5c842;
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: 14px;
  color: #856404;
  margin-bottom: 40px;
  line-height: 1.6;
}

/* Article Content */
.post-article section {
  margin-bottom: 48px;
}

.post-article h2 {
  font-size: 26px;
  color: var(--navy);
  margin-bottom: 16px;
  padding-top: 8px;
}

.post-article p {
  font-size: 16px;
  line-height: 1.75;
  color: var(--gray-800);
  margin-bottom: 16px;
}

.callout-box {
  background: var(--gray-100);
  border-left: 4px solid var(--il-blue);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin: 24px 0;
}

.callout-box h3 {
  font-size: 15px;
  color: var(--navy);
  margin-bottom: 12px;
  font-family: var(--font-body);
  font-weight: 700;
}

.callout-box ul {
  padding-left: 20px;
}

.callout-box li {
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 6px;
  color: var(--gray-800);
}

.callout-box .rates-table { margin-top: 12px; }

.callout-box .table-note {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 8px;
  text-align: left;
}

.example-box { background: var(--gold-pale); border-color: var(--gold); }

.rates-table.compact th,
.rates-table.compact td {
  padding: 10px 14px;
  font-size: 13px;
}

.total-row td { font-weight: 700 !important; background: var(--gray-100); }

/* Inline CTA */
.inline-cta {
  display: flex;
  align-items: center;
  gap: 20px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--il-blue) 100%);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 36px 0;
}

.inline-cta-icon { font-size: 32px; flex-shrink: 0; }

.inline-cta-text { flex: 1; }

.inline-cta-text strong { color: var(--white); display: block; margin-bottom: 4px; font-size: 16px; }

.inline-cta-text p { color: rgba(255,255,255,.7); font-size: 14px; margin: 0; }
.inline-cta-text a { color: var(--gold-light); }

.btn-sm {
  display: inline-block;
  padding: 10px 20px;
  background: var(--gold);
  color: var(--navy);
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  white-space: nowrap;
  transition: all var(--transition);
  flex-shrink: 0;
}

.btn-sm:hover { background: var(--gold-light); color: var(--navy); }

/* Post Tags */
.post-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 48px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-200);
}

.post-tag-item {
  display: inline-block;
  padding: 5px 12px;
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: 100px;
  font-size: 12px;
  color: var(--gray-600);
  font-weight: 500;
}

/* Sidebar */
.post-sidebar { position: sticky; top: 80px; }

.sidebar-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 20px;
  box-shadow: var(--shadow-sm);
}

.sidebar-card h3 {
  font-size: 16px;
  margin-bottom: 12px;
  color: var(--navy);
}

.sidebar-card p {
  font-size: 14px;
  color: var(--gray-600);
  margin-bottom: 16px;
  line-height: 1.6;
}

.block-btn { display: block; text-align: center; }

.sidebar-list {
  list-style: none;
  padding: 0;
}

.sidebar-list li {
  padding: 6px 0;
  font-size: 14px;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-200);
}

.sidebar-list li:last-child { border-bottom: none; }
.sidebar-list.links li a { color: var(--il-blue); }

/* Back Bar */
.back-bar {
  background: var(--gray-100);
  border-top: 1px solid var(--gray-200);
  padding: 14px 0;
}

.back-link {
  font-size: 14px;
  color: var(--il-blue);
  font-weight: 500;
}

/* ---------- FOOTER ---------- */
.site-footer {
  background: var(--navy);
  padding: 56px 0 0;
  margin-top: 0;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}

.footer-brand .logo { margin-bottom: 16px; }

.footer-brand p {
  color: rgba(255,255,255,.5);
  font-size: 14px;
  line-height: 1.6;
  max-width: 300px;
}

.footer-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.footer-col h4 {
  color: var(--gold-light);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 14px;
  font-family: var(--font-body);
  font-weight: 700;
}

.footer-col ul { list-style: none; }

.footer-col ul li { margin-bottom: 8px; }

.footer-col ul li a {
  color: rgba(255,255,255,.55);
  font-size: 14px;
  text-decoration: none;
  transition: color var(--transition);
}

.footer-col ul li a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 20px 0;
}

.footer-bottom p {
  font-size: 12px;
  color: rgba(255,255,255,.35);
  text-align: center;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
  .calc-layout { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: repeat(2, 1fr); }
  .post-layout { grid-template-columns: 1fr; }
  .post-sidebar { position: static; }
}

@media (max-width: 768px) {
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .hero-stats { flex-direction: column; padding: 20px; gap: 16px; }
  .stat-divider { width: 48px; height: 1px; }
  .info-grid { grid-template-columns: 1fr; }
  .teaser-inner { grid-template-columns: 1fr; }
  .teaser-img { display: none; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-links { grid-template-columns: 1fr 1fr; }
  .annual-grid { grid-template-columns: 1fr 1fr; }
  .deductions-grid { grid-template-columns: 1fr 1fr; }
  .inline-cta { flex-direction: column; text-align: center; }
  .inline-cta-icon { display: none; }
  .calc-card { padding: 24px 20px; }
  .hero { padding: 48px 0 40px; }
}

@media (max-width: 480px) {
  .annual-grid { grid-template-columns: 1fr; }
  .deductions-grid { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr; }
  .hero-stats .stat { padding: 0 16px; }
}

/* Mobile Nav Open State */
.main-nav.open {
  display: flex !important;
  flex-direction: column;
  position: absolute;
  top: 64px;
  left: 0;
  right: 0;
  background: var(--navy);
  padding: 12px;
  z-index: 200;
  box-shadow: var(--shadow-lg);
}

.main-nav.open ul { flex-direction: column; }

/* Loading state */
.calc-card.loading { opacity: .7; pointer-events: none; }