/* =========================================================================
   content.css — shared styles for the Texas home-equity content hub
   (cash-out-refinance.html, heloc.html, home-equity-loan.html,
    texas-home-equity-rules.html). Matches index.html's design system.
   ========================================================================= */

@import url("https://fonts.googleapis.com/css2?family=Instrument+Serif:ital@0;1&family=Manrope:wght@300;400;500;600;700&family=IBM+Plex+Mono:wght@400;500&display=swap");

:root{
  --navy-900:#08182b; --navy-800:#0d2440; --navy-600:#1b4067;
  --teal-500:#2f8f88; --teal-400:#4fb3a9; --teal-200:#a9dcd5;
  --gold-500:#c08a2e; --gold-400:#dda94f; --gold-200:#f2d9a3;
  --porcelain:#f5f6f4; --gray-200:#e3e6e5; --gray-400:#9aa3a8; --gray-500:#6f7a80;
  --ink:#0b1a29; --white:#fff;
  --shadow-soft:0 2px 6px rgba(8,24,43,.04), 0 12px 32px rgba(8,24,43,.06);
  --shadow-lift:0 8px 20px rgba(8,24,43,.10), 0 32px 64px rgba(8,24,43,.14);
  --radius:18px; --radius-lg:26px;
  --display:"Instrument Serif","Iowan Old Style",Georgia,serif;
  --body:"Manrope","Helvetica Neue",Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,"SF Mono",Menlo,monospace;
  --shell:min(1120px,92vw); --prose:min(720px,92vw);
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
body{font-family:var(--body);color:var(--ink);background:var(--white);line-height:1.72;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
:focus-visible{outline:2px solid var(--gold-400);outline-offset:3px;border-radius:4px}
a{color:var(--teal-500);text-decoration:none;transition:color .25s var(--ease)}
a:hover{color:var(--navy-900)}
.skip{position:absolute;left:-9999px;top:0;z-index:200;background:var(--navy-900);color:#fff;padding:12px 20px;border-radius:0 0 10px 0}
.skip:focus{left:0}

.eyebrow{font-family:var(--mono);font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--teal-500);font-weight:500}
.eyebrow--onDark{color:var(--gold-200)}
h1,h2,h3{font-family:var(--display);font-weight:400;line-height:1.08;letter-spacing:-.015em;color:var(--navy-900)}
h1{font-size:clamp(2.4rem,5.2vw,4rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
h3{font-size:clamp(1.25rem,2vw,1.5rem)}

/* ---- Nav ---- */
.nav__bg{position:fixed;inset:0 0 auto 0;height:70px;z-index:99;background:rgba(255,255,255,.82);backdrop-filter:blur(16px) saturate(1.3);border-bottom:1px solid var(--gray-200);opacity:0;transition:opacity .35s var(--ease)}
body.scrolled .nav__bg{opacity:1}
.nav{position:fixed;inset:0 0 auto 0;z-index:100;display:flex;align-items:center;justify-content:space-between;width:var(--shell);margin-inline:auto;padding:18px 0}
.brand{display:flex;align-items:center;gap:11px;font-weight:700;letter-spacing:-.02em;color:var(--ink)}
.brand__mark{width:26px;height:26px;flex:none}
.nav__links{display:flex;align-items:center;gap:26px}
.nav__link{font-size:.9rem;font-weight:500;color:var(--gray-500)}
.nav__link:hover,.nav__link[aria-current="page"]{color:var(--navy-900)}
.nav__cta{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--gold-400),var(--gold-500));color:var(--navy-900);padding:11px 20px;border-radius:100px;font-weight:600;font-size:.9rem;box-shadow:0 8px 22px rgba(192,138,46,.3)}
.nav__cta:hover{color:var(--navy-900);transform:translateY(-1px)}
@media(max-width:820px){.nav__links .nav__link{display:none}}

/* ---- Article hero ---- */
.ahero{position:relative;background:var(--navy-900);color:#fff;overflow:hidden;isolation:isolate;padding:130px 0 66px}
.ahero__sky{position:absolute;inset:0;z-index:-2;background:radial-gradient(80% 60% at 80% 110%,rgba(221,169,79,.4),transparent 60%),radial-gradient(60% 50% at 10% 10%,rgba(79,179,169,.22),transparent 60%),linear-gradient(160deg,#06121f,#0d2440 70%,#1b4067)}
.ahero__in{width:var(--shell);margin-inline:auto}
.crumb{font-size:.82rem;color:rgba(255,255,255,.6);margin-bottom:20px;font-family:var(--mono);letter-spacing:.02em}
.crumb a{color:rgba(255,255,255,.7)}
.crumb a:hover{color:var(--gold-200)}
.ahero h1{color:#fff;max-width:20ch;margin-top:6px}
.ahero__lede{margin-top:22px;font-size:clamp(1.05rem,1.4vw,1.25rem);color:rgba(255,255,255,.76);max-width:60ch}
.ahero__cta{margin-top:34px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:10px;padding:16px 28px;border-radius:100px;font-weight:600;font-size:1rem;cursor:pointer;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.btn--gold{background:linear-gradient(135deg,var(--gold-400),var(--gold-500));color:var(--navy-900);box-shadow:0 10px 30px rgba(192,138,46,.34)}
.btn--gold:hover{transform:translateY(-2px);color:var(--navy-900)}
.btn--ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.22)}
.btn--ghost:hover{background:rgba(255,255,255,.16);color:#fff}
.btn__arrow{transition:transform .3s var(--ease)}
.btn:hover .btn__arrow{transform:translateX(4px)}

/* ---- Article body ---- */
.article{width:var(--prose);margin:clamp(48px,7vw,80px) auto}
.article>p{margin:18px 0;font-size:1.06rem}
.article h2{margin:52px 0 6px;scroll-margin-top:90px}
.article h3{font-family:var(--body);font-weight:600;font-size:1.1rem;color:var(--ink);margin:30px 0 6px}
.article ul,.article ol{margin:16px 0 16px 6px;padding-left:22px}
.article li{margin-bottom:10px}
.article strong{font-weight:600}
.article a{border-bottom:1px solid rgba(47,143,136,.32)}
.lead-para{font-size:1.18rem;color:var(--gray-500);line-height:1.7}

/* Key callout */
.callout{margin:30px 0;padding:24px 28px;border-radius:var(--radius);background:linear-gradient(135deg,rgba(79,179,169,.1),rgba(47,143,136,.04));border:1px solid rgba(79,179,169,.3)}
.callout strong{color:var(--navy-900)}
.callout--gold{background:linear-gradient(135deg,rgba(221,169,79,.12),rgba(192,138,46,.04));border-color:rgba(221,169,79,.4)}
.callout__label{font-family:var(--mono);font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--teal-500);margin-bottom:8px}

/* At-a-glance facts */
.facts{margin:30px 0;border-radius:var(--radius);border:1px solid var(--gray-200);overflow:hidden;box-shadow:var(--shadow-soft)}
.facts__head{background:var(--navy-900);color:#fff;padding:16px 24px;font-family:var(--mono);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase}
.facts__row{display:grid;grid-template-columns:200px 1fr;gap:16px;padding:15px 24px;border-top:1px solid var(--gray-200)}
.facts__row:first-of-type{border-top:0}
.facts__row strong{color:var(--navy-900);font-weight:600}
.facts__row span{color:var(--gray-500)}
@media(max-width:560px){.facts__row{grid-template-columns:1fr;gap:4px}}

/* Comparison table */
.ctable-wrap{margin:30px 0;overflow-x:auto;border-radius:var(--radius);border:1px solid var(--gray-200);box-shadow:var(--shadow-soft)}
.ctable{width:100%;border-collapse:collapse;min-width:560px;font-size:.95rem}
.ctable th,.ctable td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--gray-200);vertical-align:top}
.ctable thead th{background:var(--porcelain);font-weight:600;color:var(--navy-900);font-size:.82rem;letter-spacing:.02em}
.ctable tbody th{font-weight:600;color:var(--navy-900);white-space:nowrap}
.ctable tr:last-child td,.ctable tr:last-child th{border-bottom:0}

/* Related pages */
.related{background:var(--porcelain);padding:clamp(56px,7vw,80px) 0}
.related__in{width:var(--shell);margin-inline:auto}
.related h2{margin-bottom:32px}
.related__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:820px){.related__grid{grid-template-columns:1fr}}
.rcard{display:block;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-soft);transition:transform .4s var(--ease),box-shadow .4s var(--ease)}
.rcard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lift);color:var(--ink)}
.rcard__tag{font-family:var(--mono);font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-500)}
.rcard h3{margin:10px 0 8px;font-size:1.3rem}
.rcard p{font-size:.92rem;color:var(--gray-500)}
.rcard__go{display:inline-block;margin-top:14px;font-weight:600;color:var(--teal-500);font-size:.9rem}

/* CTA band */
.cta-band{position:relative;background:var(--navy-900);color:#fff;overflow:hidden;isolation:isolate;padding:clamp(60px,8vw,96px) 0;text-align:center}
.cta-band__sky{position:absolute;inset:0;z-index:-1;background:radial-gradient(70% 60% at 50% 120%,rgba(221,169,79,.34),transparent 60%),radial-gradient(50% 40% at 15% 0%,rgba(79,179,169,.2),transparent 60%)}
.cta-band__in{width:var(--prose);margin-inline:auto}
.cta-band h2{color:#fff}
.cta-band p{margin:18px auto 30px;color:rgba(255,255,255,.72);max-width:52ch}
.cta-band .btn{margin:0 6px}

/* FAQ */
.faqs{width:var(--prose);margin:clamp(48px,7vw,80px) auto}
.faqs h2{margin-bottom:14px}
.qa__item{border-bottom:1px solid var(--gray-200)}
.qa__item:first-child{border-top:1px solid var(--gray-200)}
.qa__q{width:100%;background:none;border:0;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:22px 0;text-align:left;font-size:1.04rem;font-weight:600;color:var(--ink);transition:color .3s var(--ease)}
.qa__q:hover{color:var(--teal-500)}
.qa__sign{flex:none;width:20px;height:20px;position:relative;color:var(--gold-500)}
.qa__sign::before,.qa__sign::after{content:"";position:absolute;left:50%;top:50%;background:currentColor;transition:transform .35s var(--ease)}
.qa__sign::before{width:12px;height:1.5px;transform:translate(-50%,-50%)}
.qa__sign::after{width:1.5px;height:12px;transform:translate(-50%,-50%)}
.qa__item.is-open .qa__sign::after{transform:translate(-50%,-50%) rotate(90deg);opacity:0}
.qa__a{max-height:0;overflow:hidden;transition:max-height .45s var(--ease)}
.qa__a p{padding:0 0 24px;color:var(--gray-500);font-size:.98rem;max-width:64ch}

/* Footer */
.footer{background:var(--navy-900);color:rgba(255,255,255,.6);padding:clamp(60px,8vw,90px) 0 36px;font-size:.86rem}
.footer__in{width:var(--shell);margin-inline:auto}
.footer__top{display:grid;grid-template-columns:1.3fr 1fr;gap:clamp(30px,5vw,70px);padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
@media(max-width:820px){.footer__top{grid-template-columns:1fr}}
.footer__brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:700;margin-bottom:18px}
.footer h4{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-200);font-weight:600;margin-bottom:16px}
.footer p{margin-bottom:12px;line-height:1.65;max-width:60ch}
.footer__links{display:flex;flex-wrap:wrap;gap:20px 26px}
.footer__links a{color:rgba(255,255,255,.72);font-weight:500}
.footer__links a:hover{color:var(--gold-400)}
.footer__legal{margin-top:26px;font-size:.78rem;color:rgba(255,255,255,.4);display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.is-in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}.reveal{opacity:1!important;transform:none!important}}