/* ══════════════════════════════════════════════════════════════════════════
   /tips/article.css — the mortgage tip article layout.

   Loaded after /styles.css, so the header, footer, buttons (.btn--primary,
   .btn--navy, .btn--ghost-dark), breadcrumb and type all come from the site
   itself. This file only lays out the article. It introduces no new colours:
   everything resolves to the existing --ll-* and --gray-* tokens.
   Balance, as on the rest of the site: mostly white, some navy, a little lime.
   Written mobile-first around a 390px viewport.
   ══════════════════════════════════════════════════════════════════════════ */
.ta-page { background: var(--white); color: var(--gray-700); }
.ta-wrap { width: 100%; max-width: 760px; margin: 0 auto; padding: 0 22px; }

/* ── First screen ── */
.ta-top { padding-top: var(--nav-height); background: var(--white); }
.ta-top .breadcrumb { background: transparent; border: 0; }
.ta-hero { padding: 18px 0 40px; }
.ta-hero__title {
  margin: 0;
  font-size: clamp(36px, 9.6vw, 64px);
  font-weight: 800;
  letter-spacing: -.045em;
  line-height: 1.03;
  color: var(--black);
  text-wrap: balance;
}
.ta-hero__intro {
  margin: 20px 0 0;
  font-size: clamp(18px, 4.6vw, 21px);
  line-height: 1.5;
  font-weight: 500;
  letter-spacing: -.012em;
  color: var(--gray-500);
}
.ta-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
@media (max-width: 560px) {
  .ta-actions { flex-direction: column; }
  .ta-actions .btn { width: 100%; }
}
.ta-byline { display: flex; align-items: center; gap: 12px; margin-top: 30px; font-size: 14px; line-height: 1.45; color: var(--ll-muted); }
.ta-byline img { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; object-position: top; background: var(--ll-off-white); flex: none; }
.ta-byline strong { display: block; color: var(--ll-navy); font-weight: 700; }

/* ── Article sections ── */
.ta-sec { padding: 52px 0; background: var(--white); }
.ta-sec--tint { background: var(--gray-50); border-top: 1px solid var(--ll-border); border-bottom: 1px solid var(--ll-border); }
@media (min-width: 800px) { .ta-sec { padding: 72px 0; } }
.ta-eyebrow {
  display: flex; align-items: center; gap: 10px;
  margin: 0 0 12px;
  font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--ll-navy);
}
.ta-eyebrow::before { content: ""; width: 22px; height: 3px; border-radius: 2px; background: var(--ll-lime); }
.ta-h2 {
  margin: 0 0 20px;
  font-size: clamp(28px, 7vw, 40px);
  font-weight: 800;
  letter-spacing: -.04em;
  line-height: 1.08;
  color: var(--black);
}

.ta-prose { font-size: 17.5px; line-height: 1.7; color: var(--gray-600); }
.ta-prose > *:first-child { margin-top: 0; }
.ta-prose p { margin: 0 0 18px; }
.ta-prose p:last-child { margin-bottom: 0; }
.ta-prose strong { color: var(--black); font-weight: 700; }
.ta-prose h3 { margin: 30px 0 8px; font-size: 20px; line-height: 1.3; letter-spacing: -.02em; font-weight: 700; color: var(--black); }
.ta-prose ul { margin: 0 0 18px; padding: 0; list-style: none; }
.ta-prose ul li { position: relative; padding-left: 24px; margin: 0 0 10px; }
.ta-prose ul li::before { content: ""; position: absolute; left: 3px; top: .68em; width: 8px; height: 8px; border-radius: 50%; background: var(--ll-navy); }
.ta-prose a { color: var(--ll-navy); font-weight: 600; text-decoration: underline; text-decoration-color: var(--ll-lime-edge); text-decoration-thickness: 2px; text-underline-offset: 3px; }
.ta-prose a:hover { text-decoration-color: var(--ll-navy); }

/* Plain-English definition of a term, the first time it appears */
.ta-term { margin: 22px 0; padding: 16px 18px; border-radius: var(--radius-sm); background: var(--ll-off-white); border: 1px solid var(--ll-border); font-size: 16px; line-height: 1.6; }
.ta-term b { display: block; margin-bottom: 2px; color: var(--ll-navy); font-size: 13px; letter-spacing: .08em; text-transform: uppercase; }

/* ── Options: one card per realistic path ── */
.ta-options { display: grid; gap: 14px; margin: 24px 0 0; }
.ta-option {
  background: var(--white);
  border: 1px solid var(--ll-border);
  border-radius: var(--radius-md);
  padding: 22px 20px;
  box-shadow: var(--ll-shadow);
}
.ta-option__tag {
  display: inline-block; margin: 0 0 10px; padding: 4px 10px; border-radius: 999px;
  font-size: 11.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  background: var(--ll-navy); color: var(--ll-lime);
}
.ta-option h3 { margin: 0 0 8px; font-size: 20px; line-height: 1.25; letter-spacing: -.02em; font-weight: 750; color: var(--black); }
.ta-option p { margin: 0 0 10px; font-size: 16.5px; line-height: 1.62; color: var(--gray-600); }
.ta-option p:last-child { margin-bottom: 0; }
.ta-option a { color: var(--ll-navy); font-weight: 650; text-decoration: underline; text-decoration-color: var(--ll-lime-edge); text-decoration-thickness: 2px; text-underline-offset: 3px; }
.ta-option__fit { font-size: 15px !important; color: var(--ll-muted) !important; }
.ta-option__fit strong { color: var(--ll-navy); }

/* ── Example: label / value cards, never a wide table ── */
.ta-calc {
  margin: 22px 0;
  background: var(--white);
  border: 1px solid var(--ll-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--ll-shadow);
}
.ta-calc__title { margin: 0; padding: 14px 18px; font-size: 12.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--ll-navy); background: var(--ll-off-white); border-bottom: 1px solid var(--ll-border); }
.ta-calc__row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 13px 18px; border-bottom: 1px solid var(--ll-border); font-size: 16px; line-height: 1.4; }
.ta-calc__row:last-child { border-bottom: 0; }
.ta-calc__row span { color: var(--gray-600); }
.ta-calc__row b { flex: none; color: var(--black); font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
.ta-calc__row--total { background: var(--ll-navy); }
.ta-calc__row--total span { color: rgba(255,255,255,.82); font-weight: 600; }
.ta-calc__row--total b { color: var(--ll-lime); font-size: 18px; }

.ta-result { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin: 22px 0; }
.ta-result div { background: var(--white); border: 1px solid var(--ll-border); border-radius: var(--radius-sm); padding: 15px 16px 16px; }
.ta-result span { display: block; font-size: 13px; line-height: 1.35; color: var(--ll-muted); margin-bottom: 6px; }
.ta-result strong { display: block; font-size: clamp(22px, 6vw, 28px); letter-spacing: -.035em; line-height: 1.1; font-weight: 800; color: var(--black); font-variant-numeric: tabular-nums; }
.ta-result .is-key { background: var(--ll-navy); border-color: var(--ll-navy); grid-column: 1 / -1; }
.ta-result .is-key span { color: rgba(255,255,255,.75); }
.ta-result .is-key strong { color: var(--ll-lime); }

.ta-prose .ta-assume { font-size: 14px; line-height: 1.6; color: var(--ll-muted); border-left: 3px solid var(--ll-lime); padding-left: 14px; }
.ta-prose .ta-assume a { font-weight: 600; }

/* ── What would I do: Derek, in a navy card ── */
.ta-derek {
  background: linear-gradient(180deg, var(--ll-navy-2) 0%, var(--ll-navy) 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 22px 26px;
}
@media (min-width: 640px) { .ta-derek { padding: 40px 40px 36px; } }
.ta-derek .ta-eyebrow { color: rgba(255,255,255,.8); }
.ta-derek .ta-h2 { color: var(--white); }
.ta-derek__text { margin: 0; font-size: clamp(19px, 4.8vw, 22px); line-height: 1.55; font-weight: 500; letter-spacing: -.012em; color: rgba(255,255,255,.92); }
.ta-derek__by { display: flex; align-items: center; gap: 12px; margin-top: 24px; font-size: 14px; color: rgba(255,255,255,.7); line-height: 1.4; }
.ta-derek__by img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; object-position: top; background: var(--ll-navy-deep); border: 2px solid var(--ll-lime); flex: none; }
.ta-derek__by strong { display: block; color: var(--white); font-weight: 700; }

/* ── Next steps ── */
.ta-steps { list-style: none; margin: 4px 0 0; padding: 0; counter-reset: ta; display: grid; gap: 12px; }
.ta-steps li {
  counter-increment: ta;
  position: relative;
  padding: 18px 18px 18px 64px;
  background: var(--white);
  border: 1px solid var(--ll-border);
  border-radius: var(--radius-md);
  font-size: 16.5px; line-height: 1.6; color: var(--gray-600);
}
.ta-steps li::before {
  content: counter(ta);
  position: absolute; left: 18px; top: 17px;
  width: 32px; height: 32px; border-radius: 10px;
  display: grid; place-items: center;
  font-size: 15px; font-weight: 800; color: var(--ll-navy);
  background: linear-gradient(180deg, var(--ll-lime-hi) 0%, var(--ll-lime-lo) 100%);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.7), 0 2px 0 var(--ll-lime-edge);
}
.ta-steps strong { display: block; color: var(--black); font-weight: 700; font-size: 17.5px; margin-bottom: 2px; }
.ta-steps a { color: var(--ll-navy); font-weight: 650; text-decoration: underline; text-decoration-color: var(--ll-lime-edge); text-decoration-thickness: 2px; text-underline-offset: 3px; }

.ta-tools { display: grid; gap: 10px; margin-top: 26px; }
@media (min-width: 640px) { .ta-tools { grid-template-columns: repeat(2, 1fr); } }
.ta-tool {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 16px 18px; border-radius: var(--radius-sm);
  background: var(--ll-off-white); border: 1px solid var(--ll-border);
  color: var(--ll-navy); font-weight: 700; font-size: 16px; line-height: 1.3;
  transition: border-color .2s var(--ll-ease), transform .2s var(--ll-ease);
}
.ta-tool small { display: block; font-weight: 500; font-size: 13.5px; color: var(--ll-muted); margin-top: 2px; }
.ta-tool:hover { border-color: var(--ll-navy); transform: translateY(-1px); }
.ta-tool .btn__arrow { color: var(--ll-navy); }

/* ── Final CTA ── */
.ta-final { padding: 64px 0 70px; background: var(--gray-100); text-align: center; }
.ta-final .section__title { margin: 0 auto 14px; max-width: 12em; color: var(--black); text-wrap: balance; font-size: clamp(34px, 8.6vw, 56px); }
.ta-final__text { margin: 0 auto; max-width: 30em; font-size: 18px; line-height: 1.55; color: var(--gray-500); }
.ta-final .ta-actions { justify-content: center; margin-top: 30px; }
.ta-final__contact { margin-top: 24px; font-size: 14px; color: var(--ll-muted); }
.ta-final__contact a { color: var(--ll-navy); font-weight: 600; }

/* ── Keep reading + sources ── */
.ta-more { padding: 48px 0 56px; background: var(--white); }
.ta-more__title { margin: 0 0 14px; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--ll-navy); }
.ta-more__list { display: grid; gap: 10px; margin: 0 0 30px; }
.ta-more__list a { display: block; padding: 15px 18px; border: 1px solid var(--ll-border); border-radius: var(--radius-sm); font-weight: 700; font-size: 16.5px; line-height: 1.35; color: var(--black); transition: border-color .2s var(--ll-ease); }
.ta-more__list a small { display: block; font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ll-muted); margin-bottom: 3px; }
.ta-more__list a:hover { border-color: var(--ll-navy); }
.ta-sources { border-top: 1px solid var(--ll-border); padding-top: 18px; font-size: 14px; color: var(--ll-muted); line-height: 1.6; }
.ta-sources summary { cursor: pointer; font-weight: 700; color: var(--ll-navy); }
.ta-sources ul { margin: 10px 0 0; padding: 0; list-style: none; }
.ta-sources li { margin: 0 0 6px; }
.ta-sources a { color: var(--ll-navy); text-decoration: underline; text-underline-offset: 3px; }
.ta-sources p { margin: 10px 0 0; }

/* ── Mobile sticky bar: Rates | Text Me (same glass bar as the homepage) ── */
.ta-sticky { display: none; }
@media (max-width: 860px) {
  body.has-ta-sticky { padding-bottom: calc(68px + env(safe-area-inset-bottom, 0px)); }
  .ta-sticky {
    display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 80;
    padding: 8px 12px calc(8px + env(safe-area-inset-bottom, 0px));
    background: rgba(255,255,255,.92);
    -webkit-backdrop-filter: saturate(180%) blur(20px);
    backdrop-filter: saturate(180%) blur(20px);
    border-top: 1px solid var(--ll-border);
    transition: transform .25s ease, opacity .2s ease;
  }
  .ta-sticky.is-hidden,
  body.nav-open .ta-sticky { transform: translateY(110%); opacity: 0; pointer-events: none; }
  .ta-sticky .btn { min-width: 0; min-height: 50px; padding: 10px 12px; font-size: 15px; border-radius: 14px; }
  .ta-sticky svg { width: 18px; height: 18px; }
}

/* Icons inside the site's .btn keys */
.ta-page .btn svg { width: 18px; height: 18px; flex: none; }
.ta-page .btn--lg svg { width: 20px; height: 20px; }
.ta-prose .ta-options + .ta-assume { margin-top: 20px; }

/* ══════════════════════════════════════════════════════════════════════════
   Guided-conversation layout (format: "guide", body.ta-page--guide).
   One short section per question the reader is asking, read top to bottom
   with no boxed bands. Everything below is scoped to .ta-page--guide, so the
   "article" format pages (tips 06 and 23) are untouched. Desktop sizes match
   the article layout; only the mobile end of each scale is smaller.
   ══════════════════════════════════════════════════════════════════════════ */
.ta-page--guide .ta-hero { padding: 14px 0 30px; }
.ta-page--guide .ta-hero__title { font-size: clamp(31px, 8.2vw, 64px); letter-spacing: -.04em; line-height: 1.06; }
.ta-page--guide .ta-hero__intro { margin-top: 14px; font-size: clamp(17px, 4.4vw, 21px); line-height: 1.5; }
.ta-page--guide .ta-byline { margin-top: 20px; font-size: 13.5px; }
.ta-page--guide .ta-byline img { width: 36px; height: 36px; }
/* The sticky Rates | Text Me bar carries these on mobile (same breakpoint). */
@media (max-width: 860px) {
  .ta-page--guide .ta-hero .ta-actions { display: none; }
}

.ta-gsec { padding: 34px 0; border-top: 1px solid var(--ll-border); background: var(--white); }
@media (min-width: 800px) { .ta-gsec { padding: 56px 0; } }
.ta-page--guide .ta-eyebrow { margin-bottom: 8px; font-size: 11.5px; }
.ta-page--guide .ta-h2 { margin-bottom: 14px; font-size: clamp(24px, 6.2vw, 40px); line-height: 1.12; letter-spacing: -.035em; text-wrap: balance; }
.ta-page--guide .ta-prose { font-size: 16.5px; line-height: 1.65; }
@media (min-width: 800px) { .ta-page--guide .ta-prose { font-size: 17.5px; line-height: 1.7; } }
.ta-page--guide .ta-prose p { margin-bottom: 14px; }
.ta-page--guide .ta-prose h3 { margin: 26px 0 10px; font-size: 18px; }
.ta-page--guide .ta-prose ul li { margin-bottom: 12px; }
.ta-page--guide .ta-prose ul li::before { top: .62em; width: 7px; height: 7px; }

/* The one takeaway: lime rule, light surface, no big card */
.ta-key { margin: 20px 0 0; padding: 14px 16px; border-left: 4px solid var(--ll-lime); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; background: var(--ll-off-white); }
.ta-prose .ta-key p { margin: 0; color: var(--ll-navy); font-weight: 600; font-size: 16.5px; line-height: 1.55; }

/* Year-by-year payment ladder: three narrow columns, fits 320px */
.ta-ladder { margin: 0 0 14px; border: 1px solid var(--ll-border); border-radius: var(--radius-sm); overflow: hidden; }
.ta-ladder table { width: 100%; border-collapse: collapse; font-size: 15.5px; line-height: 1.3; font-variant-numeric: tabular-nums; }
.ta-prose .ta-ladder__title { margin: 18px 0 8px; font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--ll-navy); }
.ta-ladder th, .ta-ladder td { padding: 11px 12px; border-bottom: 1px solid var(--ll-border); text-align: right; vertical-align: middle; }
.ta-ladder thead th { padding-top: 9px; padding-bottom: 9px; background: var(--ll-off-white); font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--ll-muted); }
.ta-ladder th:first-child { text-align: left; }
.ta-ladder tbody th { font-weight: 700; color: var(--black); }
.ta-ladder tbody th small { display: block; margin-top: 2px; font-size: 12.5px; font-weight: 500; color: var(--ll-muted); }
.ta-ladder td { color: var(--gray-600); }
.ta-ladder td:nth-child(2) { font-weight: 700; color: var(--black); }
.ta-ladder tbody tr:last-child > * { border-bottom: 0; }
.ta-ladder .is-full > * { background: var(--ll-navy); color: var(--white); }
.ta-ladder .is-full th small { color: rgba(255,255,255,.72); }
.ta-ladder .is-full td:nth-child(2) { color: var(--ll-lime); }
.ta-page--guide .ta-calc { margin: 16px 0; box-shadow: none; }
.ta-page--guide .ta-calc__title { padding: 11px 16px; font-size: 12px; }
.ta-page--guide .ta-calc__row { padding: 11px 16px; font-size: 15.5px; }
.ta-page--guide .ta-calc__row--total b { font-size: 17px; }
.ta-page--guide .ta-prose .ta-assume { font-size: 13.5px; }

/* Derek's take: a quote with a small byline, not a full navy card */
.ta-take { margin: 24px 0 0; padding: 18px 18px 16px; border-radius: var(--radius-md); background: var(--ll-navy); color: var(--white); }
.ta-take blockquote { margin: 0; font-size: 16.5px; line-height: 1.6; color: rgba(255,255,255,.92); }
.ta-take figcaption { display: flex; align-items: center; gap: 10px; margin-top: 14px; font-size: 13px; line-height: 1.35; color: rgba(255,255,255,.7); }
.ta-take figcaption img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; object-position: top; border: 2px solid var(--ll-lime); background: var(--ll-navy-deep); flex: none; }
.ta-take figcaption strong { display: block; color: var(--white); }
@media (min-width: 640px) { .ta-take { padding: 26px 28px 22px; } .ta-take blockquote { font-size: 18px; } }

/* FAQ: secondary details, still in the HTML for search */
.ta-faq { border-top: 1px solid var(--ll-border); }
.ta-faq__item { border-bottom: 1px solid var(--ll-border); }
.ta-faq__item summary { position: relative; padding: 16px 32px 16px 0; cursor: pointer; list-style: none; font-size: 16.5px; font-weight: 700; line-height: 1.4; color: var(--black); }
.ta-faq__item summary::-webkit-details-marker { display: none; }
.ta-faq__item summary::after { content: "+"; position: absolute; right: 4px; top: 13px; font-size: 22px; font-weight: 500; color: var(--ll-navy); }
.ta-faq__item[open] summary::after { content: "\2013"; }
.ta-faq__item .ta-prose { padding: 0 0 16px; }

.ta-gsec--next { background: var(--gray-50); }
.ta-page--guide .ta-tools { margin-top: 18px; }

/* Final CTA: same buttons, tighter on phones (the sticky bar steps aside here) */
@media (max-width: 860px) {
  .ta-page--guide .ta-final { padding: 44px 0 48px; }
  .ta-page--guide .ta-final .section__title { font-size: clamp(26px, 7vw, 40px); }
  .ta-page--guide .ta-final__text { font-size: 16.5px; }
  .ta-page--guide .ta-final .ta-actions { gap: 10px; margin-top: 22px; }
  .ta-page--guide .ta-more { padding: 36px 0 40px; }
}