/* ============================================================
   SGFINANCECALCULATORS.COM — HUB PAGE SHARED STYLES
   Brand: Navy #002868 | Red #BF0A30 | Green #00875A
   Fonts: Montserrat (headings) | Inter (body)
   Rule: NO black headings — use Navy / Red / Green
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@600;700;800;900&family=Inter:wght@400;500;600&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

:root {
  --navy:       #002868;
  --navy-dark:  #00183F;
  --navy-mid:   #003580;
  --navy-light: #EBF0FA;
  --red:        #BF0A30;
  --red-hover:  #9B0826;
  --red-light:  #FFF0F3;
  --green:      #00875A;
  --green-h:    #006644;
  --green-light:#E6F7F2;
  --white:      #FFFFFF;
  --gray-text:  #5F6368;
  --border:     #E0E4E8;
  --bg-light:   #F7F9FC;
  --shadow-sm:  0 1px 4px rgba(0,40,104,0.08);
  --shadow-md:  0 4px 20px rgba(0,40,104,0.12);
  --shadow-lg:  0 8px 40px rgba(0,40,104,0.16);
  --radius-sm:  6px;
  --radius-md:  10px;
  --radius-lg:  14px;
}

body {
  font-family: 'Inter', -apple-system, sans-serif;
  font-size: 16px;
  color: var(--gray-text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ── BREADCRUMB ────────────────────────────────────── */
.hub-breadcrumb {
  background: var(--bg-light);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
}
.hub-breadcrumb-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: var(--gray-text);
  flex-wrap: wrap;
}
.hub-breadcrumb a { color: var(--navy); transition: color 0.2s; }
.hub-breadcrumb a:hover { color: var(--red); }
.hub-breadcrumb .bc-sep { color: var(--border); }
.hub-breadcrumb .bc-current { color: var(--gray-text); font-weight: 500; }

/* ── HUB HERO ─────────────────────────────────────── */
.hub-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, #003d8c 100%);
  position: relative;
  overflow: hidden;
  padding: 60px 24px 70px;
}
.hub-hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 55% 70% at 75% 50%, rgba(191,10,48,0.13) 0%, transparent 60%),
    radial-gradient(ellipse 35% 55% at 10% 80%, rgba(0,135,90,0.09) 0%, transparent 50%);
  pointer-events: none;
}
.hub-hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 50px 50px;
  pointer-events: none;
}
.hub-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 48px;
  align-items: center;
}
.hub-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(191,10,48,0.15);
  border: 1px solid rgba(191,10,48,0.35);
  color: #ff8fa3;
  font-size: 11.5px;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 16px;
  letter-spacing: 0.6px;
  text-transform: uppercase;
}
.hub-hero-badge .badge-dot {
  width: 6px; height: 6px;
  background: var(--red);
  border-radius: 50%;
  animation: pulse 1.6s infinite;
}
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.4;transform:scale(0.8)} }

.hub-hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(28px, 3.5vw, 46px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  letter-spacing: -0.8px;
  margin-bottom: 16px;
}
.hub-hero h1 em {
  font-style: normal;
  color: transparent;
  background: linear-gradient(90deg, #ff8fa3, #BF0A30);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hub-hero-desc {
  font-size: 16px;
  color: rgba(255,255,255,0.72);
  line-height: 1.75;
  max-width: 560px;
  margin-bottom: 28px;
}
.hub-hero-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.hub-hero-tag {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.82);
  font-size: 12px;
  font-weight: 500;
  padding: 5px 13px;
  border-radius: 20px;
  transition: all 0.2s;
  cursor: default;
}
.hub-hero-stats {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex-shrink: 0;
}
.hub-stat-pill {
  background: rgba(255,255,255,0.09);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 12px;
  padding: 16px 20px;
  min-width: 160px;
  text-align: center;
  backdrop-filter: blur(6px);
  animation: fadeSlideIn 0.6s ease both;
}
.hub-stat-pill:nth-child(1) { animation-delay: 0.1s; }
.hub-stat-pill:nth-child(2) { animation-delay: 0.2s; }
.hub-stat-pill:nth-child(3) { animation-delay: 0.3s; }
@keyframes fadeSlideIn { from{opacity:0;transform:translateX(16px)} to{opacity:1;transform:translateX(0)} }
.hub-stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.hub-stat-num em { color: var(--red); font-style: normal; }
.hub-stat-label {
  font-size: 11.5px;
  color: rgba(255,255,255,0.5);
  margin-top: 4px;
}

@media (max-width: 768px) {
  .hub-hero { padding: 44px 20px 52px; }
  .hub-hero-inner { grid-template-columns: 1fr; gap: 28px; }
  .hub-hero-stats { flex-direction: row; flex-wrap: wrap; }
  .hub-stat-pill { min-width: 130px; flex: 1; }
}

/* ── QUICK NAV TABS ───────────────────────────────── */
.hub-nav-strip {
  background: var(--white);
  border-bottom: 2px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,40,104,0.06);
}
.hub-nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
}
.hub-nav-inner::-webkit-scrollbar { display: none; }
.hub-nav-tab {
  padding: 14px 18px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--gray-text);
  white-space: nowrap;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  gap: 6px;
}
.hub-nav-tab:hover { color: var(--navy); border-bottom-color: rgba(0,40,104,0.3); }
.hub-nav-tab.active { color: var(--navy); border-bottom-color: var(--red); }
.hub-nav-tab .tab-count {
  background: var(--navy-light);
  color: var(--navy);
  font-size: 10px;
  font-weight: 700;
  padding: 2px 6px;
  border-radius: 10px;
}

/* ── SECTION WRAPPER ──────────────────────────────── */
.hub-section {
  padding: 64px 24px;
}
.hub-section:nth-child(even) { background: var(--bg-light); }
.hub-section-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.hub-section-header {
  margin-bottom: 36px;
}
.hub-section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.8px;
  color: var(--red);
  text-transform: uppercase;
  margin-bottom: 10px;
  display: block;
}
.hub-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.5vw, 28px);
  font-weight: 800;
  color: var(--navy);       /* ← NAVY not black */
  line-height: 1.25;
  margin-bottom: 10px;
}
.hub-section h2 span { color: var(--red); }
.hub-section-desc {
  font-size: 15px;
  color: var(--gray-text);
  line-height: 1.75;
  max-width: 640px;
}

/* ── TOOL CARDS GRID ──────────────────────────────── */
.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 16px;
}
.tool-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all 0.25s;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  text-decoration: none;
  animation: cardFade 0.5s ease both;
}
.tool-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--card-accent, var(--navy));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}
.tool-card:hover::before { transform: scaleX(1); }
.tool-card:hover {
  border-color: var(--card-accent, var(--navy));
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
@keyframes cardFade { from{opacity:0;transform:translateY(12px)} to{opacity:1;transform:translateY(0)} }

.tool-card-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  background: var(--icon-bg, var(--bg-light));
  flex-shrink: 0;
}
.tool-card-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);       /* ← NAVY not black */
  line-height: 1.35;
}
.tool-card-desc {
  font-size: 12.5px;
  color: var(--gray-text);
  line-height: 1.6;
  flex: 1;
}
.tool-card-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.tool-card-tag {
  font-size: 10.5px;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: 10px;
  background: var(--icon-bg, var(--bg-light));
  color: var(--card-accent, var(--navy));
}
.tool-card-cta {
  font-size: 12px;
  font-weight: 600;
  color: var(--card-accent, var(--navy));
  display: flex;
  align-items: center;
  gap: 4px;
}
.tool-card-cta::after { content: '→'; }
.tool-card-badge {
  position: absolute;
  top: 14px; right: 14px;
  font-size: 10px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 10px;
  letter-spacing: 0.4px;
}
.badge-hot { background: rgba(191,10,48,0.1); color: var(--red); }
.badge-new { background: rgba(0,40,104,0.1); color: var(--navy); }
.badge-top { background: rgba(0,135,90,0.1); color: var(--green); }

@media (max-width: 600px) {
  .tools-grid { grid-template-columns: 1fr; }
}

/* ── EDUCATIONAL CONTENT ──────────────────────────── */
.hub-edu-section {
  padding: 64px 24px;
  background: var(--white);
}
.hub-edu-inner {
  max-width: 900px;
  margin: 0 auto;
}
.hub-edu-inner h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
  margin-top: 48px;
}
.hub-edu-inner h2:first-child { margin-top: 0; }
.hub-edu-inner h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--green);      /* ← GREEN for H3 */
  margin-bottom: 10px;
  margin-top: 28px;
}
.hub-edu-inner p {
  font-size: 15.5px;
  color: var(--gray-text);
  line-height: 1.8;
  margin-bottom: 16px;
}
.hub-edu-inner ul, .hub-edu-inner ol {
  padding-left: 22px;
  margin-bottom: 16px;
}
.hub-edu-inner li {
  font-size: 15px;
  color: var(--gray-text);
  line-height: 1.7;
  margin-bottom: 8px;
}
.hub-edu-inner strong { color: var(--navy); font-weight: 600; }

/* Example boxes */
.example-box {
  background: var(--navy-light);
  border-left: 4px solid var(--navy);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 20px 22px;
  margin: 24px 0;
}
.example-box-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 8px;
}
.example-box p {
  margin-bottom: 0;
  font-size: 14.5px;
}
.example-box strong { color: var(--navy); }

/* Tip boxes */
.tip-box {
  background: var(--green-light);
  border-left: 4px solid var(--green);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 18px 22px;
  margin: 20px 0;
}
.tip-box-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--green);
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin-bottom: 6px;
}
.tip-box p { margin-bottom: 0; font-size: 14.5px; }

/* Warning/note box */
.note-box {
  background: var(--red-light);
  border-left: 4px solid var(--red);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 18px 22px;
  margin: 20px 0;
}
.note-box p { margin-bottom: 0; font-size: 14.5px; color: #6B1221; }

/* ── DATA TABLE ───────────────────────────────────── */
.hub-table-wrap {
  overflow-x: auto;
  margin: 24px 0;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
}
.hub-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.hub-table th {
  background: var(--navy);
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 12.5px;
  padding: 12px 16px;
  text-align: left;
  letter-spacing: 0.3px;
}
.hub-table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--gray-text);
  line-height: 1.5;
}
.hub-table tr:last-child td { border-bottom: none; }
.hub-table tr:nth-child(even) td { background: var(--bg-light); }
.hub-table td strong { color: var(--navy); font-weight: 600; }
.hub-table .td-green { color: var(--green); font-weight: 600; }
.hub-table .td-red { color: var(--red); font-weight: 600; }

/* ── FAQ SECTION ──────────────────────────────────── */
.hub-faq {
  padding: 64px 24px;
  background: var(--bg-light);
}
.hub-faq-inner {
  max-width: 900px;
  margin: 0 auto;
}
.hub-faq-inner h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
}
.hub-faq-subtitle {
  font-size: 15px;
  color: var(--gray-text);
  margin-bottom: 36px;
}
.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 10px;
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item.open { border-color: var(--navy); }
.faq-question {
  padding: 18px 20px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.4;
  transition: color 0.2s;
  list-style: none;
  user-select: none;
}
.faq-question:hover { color: var(--red); }
.faq-toggle {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 14px;
  color: var(--navy);
  transition: all 0.3s;
}
.faq-item.open .faq-toggle {
  background: var(--navy);
  color: var(--white);
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s;
}
.faq-answer-inner {
  padding: 0 20px 18px;
  font-size: 14.5px;
  color: var(--gray-text);
  line-height: 1.75;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.faq-answer-inner a { color: var(--navy); text-decoration: underline; }
.faq-answer-inner strong { color: var(--navy); }
.faq-item.open .faq-answer { max-height: 400px; }

/* ── RELATED CALCULATORS ──────────────────────────── */
.hub-related {
  padding: 64px 24px;
  background: var(--white);
}
.hub-related-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.hub-related h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
}
.hub-related-desc {
  font-size: 15px;
  color: var(--gray-text);
  margin-bottom: 32px;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 14px;
}
.related-card {
  background: var(--bg-light);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  transition: all 0.22s;
  text-decoration: none;
}
.related-card:hover {
  background: var(--white);
  border-color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}
.related-icon {
  font-size: 26px;
  width: 46px; height: 46px;
  background: var(--white);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}
.related-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.35;
}
.related-count {
  font-size: 11.5px;
  color: var(--gray-text);
  margin-top: 3px;
}

/* ── DISCLAIMER ───────────────────────────────────── */
.hub-disclaimer {
  background: var(--navy-dark);
  padding: 40px 24px;
}
.hub-disclaimer-inner {
  max-width: 900px;
  margin: 0 auto;
}
.hub-disclaimer h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.hub-disclaimer p {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  line-height: 1.75;
  margin-bottom: 10px;
}
.hub-disclaimer a { color: rgba(255,255,255,0.6); text-decoration: underline; }
.hub-disclaimer p:last-child { margin-bottom: 0; }

/* ── STATS BAND ───────────────────────────────────── */
.hub-stats-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 48px 24px;
}
.hub-stats-band-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stats-band-num {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.stats-band-num em { color: var(--red); font-style: normal; }
.stats-band-label {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
}

@media (max-width: 600px) {
  .hub-stats-band-inner { grid-template-columns: repeat(2, 1fr); }
  .hub-section { padding: 48px 20px; }
  .hub-edu-section { padding: 48px 20px; }
  .hub-faq { padding: 48px 20px; }
  .hub-related { padding: 48px 20px; }
}

/* ── SCROLL ANIMATIONS ────────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ── CTA STRIP ────────────────────────────────────── */
.hub-cta-strip {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-hover) 100%);
  padding: 52px 24px;
  text-align: center;
}
.hub-cta-strip h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 3vw, 30px);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 12px;
}
.hub-cta-strip p {
  font-size: 15px;
  color: rgba(255,255,255,0.82);
  margin-bottom: 28px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}
.hub-cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.cta-btn-primary {
  background: var(--white);
  color: var(--red);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 14px;
  padding: 13px 28px;
  border-radius: 8px;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.cta-btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }
.cta-btn-outline {
  background: transparent;
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 14px;
  padding: 13px 28px;
  border-radius: 8px;
  border: 2px solid rgba(255,255,255,0.55);
  transition: all 0.2s;
}
.cta-btn-outline:hover { background: rgba(255,255,255,0.12); border-color: var(--white); }

/* ── SHARED JS ANIMATIONS ─────────────────────────── */
/* Stagger tool cards */
.tools-grid .tool-card:nth-child(1) { animation-delay: 0.05s; }
.tools-grid .tool-card:nth-child(2) { animation-delay: 0.10s; }
.tools-grid .tool-card:nth-child(3) { animation-delay: 0.15s; }
.tools-grid .tool-card:nth-child(4) { animation-delay: 0.20s; }
.tools-grid .tool-card:nth-child(5) { animation-delay: 0.25s; }
.tools-grid .tool-card:nth-child(6) { animation-delay: 0.30s; }
.tools-grid .tool-card:nth-child(7) { animation-delay: 0.35s; }
.tools-grid .tool-card:nth-child(8) { animation-delay: 0.40s; }
.tools-grid .tool-card:nth-child(9) { animation-delay: 0.45s; }
.tools-grid .tool-card:nth-child(10){ animation-delay: 0.50s; }

/* Progress bar accent */
.accent-bar {
  height: 4px;
  background: linear-gradient(90deg, var(--red), var(--navy), var(--green));
}

/* ============================================================
   BRIDGE RULES — covers class names used in newer hub pages
   (loans, invest, family, expat, lifestyle, career)
   ============================================================ */

/* --- Educational Content (hub-content-main = hub-edu-inner) --- */
.hub-content-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}
.hub-content-main { max-width: 860px; }
.hub-content-main h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.4vw, 26px);
  font-weight: 800;
  color: var(--navy);         /* NAVY — not black */
  margin: 40px 0 14px;
  line-height: 1.25;
}
.hub-content-main h2:first-child { margin-top: 0; }
.hub-content-main h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--green);        /* GREEN for H3 */
  margin: 28px 0 10px;
  line-height: 1.3;
}
.hub-content-main p {
  font-size: 15px;
  color: var(--gray-text);
  line-height: 1.75;
  margin-bottom: 18px;
}
.hub-content-main ul, .hub-content-main ol {
  padding-left: 22px;
  margin-bottom: 18px;
}
.hub-content-main li {
  font-size: 15px;
  color: var(--gray-text);
  line-height: 1.7;
  margin-bottom: 6px;
}
.hub-content-main strong { color: var(--navy); font-weight: 600; }

/* --- Data Table (hub-data-table) --- */
.hub-data-table {
  overflow-x: auto;
  border-radius: 10px;
  border: 1px solid var(--border);
  margin: 28px 0;
  -webkit-overflow-scrolling: touch;
}
.hub-table-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  background: var(--navy);
  padding: 12px 18px;
  border-radius: 9px 9px 0 0;
}
/* hub-table already in CSS */

/* --- Edu table aliases (loans hub) --- */
.edu-table-wrap {
  overflow-x: auto;
  border-radius: 10px;
  border: 1px solid var(--border);
  margin: 28px 0;
  -webkit-overflow-scrolling: touch;
}
.edu-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.edu-table th {
  background: var(--navy);
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 12px 16px;
  text-align: left;
  white-space: nowrap;
}
.edu-table td {
  padding: 12px 16px;
  color: var(--gray-text);
  border-bottom: 1px solid var(--border);
  font-size: 13.5px;
  line-height: 1.5;
}
.edu-table tr:last-child td { border-bottom: none; }
.edu-table tr:nth-child(even) td { background: var(--bg-light); }
.edu-table td strong { color: var(--navy); font-weight: 600; }
.edu-blocks { display: flex; flex-direction: column; gap: 18px; margin: 24px 0; }

/* --- Example Cards (hub-example-card) --- */
.hub-example-card {
  background: rgba(0,40,104,0.04);
  border-left: 4px solid var(--navy);
  border-radius: 0 10px 10px 0;
  padding: 20px 22px;
  margin: 20px 0;
}
.hub-example-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 10px;
  display: block;
}
.hub-example-card p {
  font-size: 14.5px;
  color: var(--gray-text);
  line-height: 1.7;
  margin: 0;
}
.hub-example-card strong { color: var(--navy); font-weight: 600; }

/* --- Tip Cards (hub-tip-card) --- */
.hub-tip-card {
  background: rgba(0,135,90,0.05);
  border: 1px solid rgba(0,135,90,0.2);
  border-left: 4px solid var(--green);
  border-radius: 0 10px 10px 0;
  padding: 20px 22px;
  margin: 20px 0;
}
.hub-tip-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--green);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 6px;
  display: block;
}
.hub-tip-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 10px;
  display: block;
}
.hub-tip-card p {
  font-size: 14px;
  color: var(--gray-text);
  line-height: 1.7;
  margin: 0;
}

/* --- Stats Band (new naming: hub-stats-inner / hub-stat-item / hub-stat-big) --- */
.hub-stats-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 56px 40px;
}
.hub-stats-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.hub-stat-item { text-align: center; }
.hub-stat-big {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}
.hub-stat-big em { color: var(--red); font-style: normal; }
.hub-stat-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  line-height: 1.5;
}
@media (max-width: 768px) {
  .hub-stats-inner { grid-template-columns: repeat(2, 1fr); }
  .hub-stats-band { padding: 40px 20px; }
}

/* --- FAQ Accordion (new naming: faq-list / faq-q / faq-icon / faq-a) --- */
.faq-list { display: flex; flex-direction: column; gap: 0; }
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 4px;
  font-family: 'Montserrat', sans-serif;
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy);         /* NAVY — not black */
  text-align: left;
  cursor: pointer;
  transition: color 0.2s;
}
.faq-q:hover { color: var(--red); }
.faq-icon {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 400;
  color: var(--navy);
  transition: all 0.25s;
  line-height: 1;
}
.faq-item.open .faq-icon {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
  transform: rotate(45deg);
}
.faq-a {
  display: none;
  padding: 0 4px 18px;
}
.faq-item.open .faq-a { display: block; }
.faq-a p {
  font-size: 14.5px;
  color: var(--gray-text);
  line-height: 1.75;
  margin: 0;
}
.faq-a strong { color: var(--navy); font-weight: 600; }
.faq-a a { color: var(--navy); text-decoration: underline; }

/* --- Related Cards (new naming: related-card-icon / name / desc) --- */
.related-card-icon { font-size: 28px; margin-bottom: 10px; display: block; }
.related-card-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);         /* NAVY — not black */
  margin-bottom: 6px;
  display: block;
}
.related-card-desc {
  font-size: 12.5px;
  color: var(--gray-text);
  line-height: 1.5;
}
/* Override — ensure .related-name gets navy too if used */
.related-name {
  color: var(--navy) !important;
}
.related-desc {
  font-size: 12.5px;
  color: var(--gray-text);
  line-height: 1.5;
}

/* --- CTA strip bridge (hub-cta-btn) --- */
.hub-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  background: var(--white);
  color: var(--red);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 14px;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: all 0.2s;
}
.hub-cta-btn:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }
.hub-cta-inner {
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 1;
}

/* --- Disclaimer with hub-section-inner inside --- */
.hub-disclaimer .hub-section-inner {
  padding-top: 40px;
  padding-bottom: 40px;
}
.hub-disclaimer .hub-section-inner h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  margin-bottom: 18px;
}
.hub-disclaimer .hub-section-inner p {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  line-height: 1.7;
  margin-bottom: 12px;
}
.hub-disclaimer .hub-section-inner a {
  color: rgba(255,255,255,0.6);
  text-decoration: underline;
}

/* --- Section h2 specificity boost (beats Kadence theme default) --- */
.hub-section .hub-section-header h2,
.hub-section h2 {
  color: var(--navy) !important;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
}
.hub-section h2 span { color: var(--red) !important; }
.hub-section h3 { color: var(--green); }
.hub-edu-inner h2 { color: var(--navy) !important; }
.hub-edu-inner h3 { color: var(--green) !important; }

/* --- Mobile responsive additions --- */
@media (max-width: 768px) {
  .hub-content-main h2 { font-size: 20px; }
  .hub-content-main h3 { font-size: 16px; }
  .faq-q { font-size: 13.5px; }
  .hub-stats-inner { grid-template-columns: repeat(2, 1fr); gap: 20px; }
}
@media (max-width: 480px) {
  .hub-stats-inner { grid-template-columns: 1fr 1fr; gap: 16px; }
  .hub-stat-big { font-size: 26px; }
}