/* HelpDebtExit.com — shared base + component styles */
/* Extracted from components.js so it loads via <link> before render (no FOUC, works offline). */

:root{--navy:#123047;--navy-dark:#0d2236;--blue:#1d6fa5;--teal:#2b8a78;--ink:#1f2a33;--muted:#65727e;--line:#dce4e8;--cream:#f7f4ed;--soft-blue:#eaf4fa;--soft-green:#eaf6f2;--soft-warn:#fff7df;--page-bg:#fbfcfd;--white:#ffffff;--radius-sm:10px;--radius:18px;--shadow:0 10px 28px rgba(18,48,71,.08);--max-w:1180px}
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth}
    body{font-family:Inter,system-ui,sans-serif;background:var(--page-bg);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased}
    img{max-width:100%;display:block}
    a{color:var(--blue);text-decoration:none}
    a:hover{text-decoration:underline}
    button,input{font:inherit}
    ul{list-style:none;padding:0}
    .container{width:min(calc(100% - 32px),var(--max-w));margin-inline:auto}
    .skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px 16px;border-radius:8px;z-index:9999}
    .skip-link:focus{left:16px}

    /* ── Header ── */
    .site-header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:200}
    .header-inner{display:flex;align-items:center;min-height:68px;padding:0 24px;gap:0}
    .logo{display:inline-flex;align-items:center;gap:10px;color:var(--navy);font-weight:700;font-size:1.1rem;flex-shrink:0;text-decoration:none}
    .logo:hover{text-decoration:none}
    .logo-mark{width:34px;height:34px;background:linear-gradient(135deg,var(--teal),var(--blue));border-radius:9px;display:grid;place-items:center;color:#fff;font-weight:900;font-size:.88rem;flex-shrink:0}
    .main-nav{flex:1;display:flex;justify-content:center}
    .main-nav ul{display:flex;align-items:center;gap:2px;flex-wrap:wrap;justify-content:center}
    .main-nav a{color:var(--ink);font-weight:500;font-size:.85rem;padding:5px 10px;border-radius:6px;white-space:nowrap}
    .main-nav a:hover{color:var(--teal);background:var(--soft-green);text-decoration:none}

    /* Search icon button (far right) */
    .hde-search-toggle,.hde-search-toggle-mob{flex-shrink:0;border:none;background:none;width:40px;height:40px;cursor:pointer;align-items:center;justify-content:center;color:var(--navy);border-radius:8px;transition:background .15s}
    .hde-search-toggle{display:flex}
    .hde-search-toggle-mob{display:flex}
    .hde-search-toggle:hover,.hde-search-toggle-mob:hover{background:var(--soft-blue)}
    .hde-search-toggle svg,.hde-search-toggle-mob svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

    /* ── Search overlay (NerdWallet style) ── */
    .hde-search-overlay{
      display:none;
      position:absolute;top:68px;left:0;right:0;
      background:var(--white);
      border-bottom:2px solid var(--line);
      box-shadow:0 8px 32px rgba(18,48,71,.12);
      z-index:199;
      padding:40px 24px 44px;
    }
    .hde-search-input::-webkit-search-cancel-button{display:none}
    .hde-search-input::-webkit-search-decoration{display:none}
    .hde-search-overlay.open{display:block}
    .hde-search-row{
      display:flex;
      align-items:center;
      gap:12px;
      max-width:860px;
      margin:0 auto;
    }
    .hde-search-field{
      flex:1;
      display:flex;
      align-items:center;
      border:1.5px solid var(--line);
      border-radius:10px;
      overflow:hidden;
      background:var(--white);
      transition:border-color .15s;
    }
    .hde-search-field:focus-within{border-color:var(--teal)}
    .hde-search-ico{display:flex;align-items:center;justify-content:center;padding:0 14px;color:var(--muted);flex-shrink:0}
    .hde-search-ico svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .hde-search-input{
      flex:1;border:none;outline:none;
      padding:15px 4px;
      font-size:1rem;color:var(--ink);
      background:transparent;
    }
    .hde-search-input::placeholder{color:var(--muted)}
    .hde-search-clear{
      display:none;border:none;background:none;
      cursor:pointer;padding:0 14px;color:var(--muted);
      font-size:1.25rem;line-height:1;
      flex-shrink:0;align-items:center;
    }
    .hde-search-clear.visible{display:flex}
    .hde-search-clear:hover{color:var(--ink)}
    .hde-search-btn{
      border:none;background:var(--navy);color:#fff;
      padding:0 32px;height:52px;
      border-radius:10px;
      font-weight:700;font-size:.95rem;
      cursor:pointer;flex-shrink:0;
      transition:background .15s;
      white-space:nowrap;
    }
    .hde-search-btn:hover{background:var(--navy-dark)}

    /* ── Mobile hamburger ── */
    .hde-mobile-right{display:none;align-items:center;gap:2px;margin-left:auto}
    .menu-btn{background:none;border:none;cursor:pointer;padding:6px;color:var(--navy);flex-direction:column;gap:5px;align-items:center;justify-content:center;border-radius:6px;display:flex}
    .menu-btn:hover{background:var(--soft-blue)}
    .menu-btn span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
    .menu-btn.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .menu-btn.open span:nth-child(2){opacity:0}
    .menu-btn.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

    /* ── Footer ── */
    .site-footer{background:#102737;color:#d7e2e8;padding:52px 0 24px;margin-top:60px}
    .footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:36px;margin-bottom:36px}
    .site-footer h4{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;font-weight:700;margin-bottom:12px}
    .site-footer p{color:#a8bec9;font-size:.88rem;line-height:1.65}
    .site-footer ul{display:grid;gap:8px}
    .site-footer li a{color:#c4d4dc;font-size:.88rem}
    .site-footer li a:hover{color:#fff;text-decoration:none}
    .footer-logo{display:flex;align-items:center;gap:8px;color:#fff;font-weight:700;font-size:1.1rem;margin-bottom:12px}
    .footer-logo-mark{width:32px;height:32px;background:linear-gradient(135deg,var(--teal),var(--blue));border-radius:8px;display:grid;place-items:center;color:#fff;font-weight:900;font-size:.85rem}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:.82rem;color:#8fa3af}

    /* ── Responsive ── */
    @media(min-width:901px){
      .hde-mobile-right{display:none!important}
    }
    @media(max-width:900px){
      .main-nav{display:none}
      .hde-search-toggle{display:none!important}
      .hde-search-toggle-mob{display:flex!important}
      .hde-mobile-right{display:flex!important}
      .main-nav.open{
        display:flex;position:absolute;top:68px;left:0;right:0;
        background:#fff;border-bottom:1px solid var(--line);
        padding:12px 20px;z-index:198;
        box-shadow:0 8px 20px rgba(18,48,71,.08);
      }
      .main-nav.open ul{flex-direction:column;gap:0;width:100%}
      .main-nav.open a{display:block;padding:10px 12px;font-size:.95rem;border-radius:8px}
      .hde-search-btn{padding:0 18px;font-size:.88rem}
    }
    @media(max-width:600px){
      .footer-grid{grid-template-columns:1fr 1fr}
      .hde-search-overlay{padding:16px}
      .hde-search-btn{padding:0 14px}
    }
    @media(max-width:420px){
      .footer-grid{grid-template-columns:1fr}
    }


/* ===== Shared component styles (merged from page inline in phase 2) ===== */
.alert-banner{background:#fdeaea;border:1px solid #f0b8b8;border-radius:10px;padding:16px 20px;margin:0 0 24px;font-size:.9rem;color:#a32d2d;line-height:1.6}
.alert-banner strong{color:#7a1e1e}
.article-wrap .prose{width: 100%;}
.cfpb-badge{display:inline-flex;align-items:center;gap:6px;background:#fdeaea;color:#a32d2d;border-radius:6px;padding:4px 10px;font-size:.78rem;font-weight:600;margin-bottom:10px}
.contact-box{background:var(--soft-blue);border:1px solid #b8d4f0;border-radius:10px;padding:18px 22px;margin:1.5rem 0}
.contact-box p{margin:0;font-size:.9rem;color:#0d3d5e;line-height:1.65}
.copy-btn{display:inline-flex;align-items:center;gap:6px;background:var(--navy);color:#fff;border:none;border-radius:8px;padding:9px 18px;font-size:.85rem;font-weight:600;cursor:pointer;margin-bottom:12px;font-family:inherit}
.copy-btn svg{width:15px;height:15px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.copy-btn:hover{background:var(--navy-dark)}
.cta-btn{background:var(--teal);color:#fff;border-radius:8px;padding:10px 18px;font-weight:700;font-size:.88rem;white-space:nowrap;flex-shrink:0}
.cta-strip:hover{opacity:.92;text-decoration:none}
.cta-text h2{color:#fff;font-size:1rem;margin-bottom:4px}
.cta-text p{color:rgba(255,255,255,.7);font-size:.87rem;margin:0}
.data-table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.86rem}
.data-table td{padding:9px 12px;border-bottom:1px solid var(--line);color:#374550;vertical-align:top}
.data-table th{background:var(--navy);color:#fff;padding:9px 12px;text-align:left;font-weight:600;font-size:.78rem}
.data-table tr:nth-child(even) td{background:#f8fafc}
.effective-date{display:inline-block;background:var(--soft-green);border:1px solid #b8e0d4;border-radius:8px;padding:6px 14px;font-size:.8rem;color:var(--teal);font-weight:600;margin-bottom:28px}
.fee-box{background:#fff8e6;border:1px solid #f5d78a;border-radius:var(--radius-sm);padding:16px 20px;margin:1.5rem 0}
.fee-box h4{color:var(--navy);font-size:.92rem;margin-bottom:10px;font-weight:700}
.fee-box table{width:100%;border-collapse:collapse;font-size:.84rem}
.fee-box td{padding:6px 8px;color:#374550;border-bottom:1px solid #f5e7a0}
.fee-box th{text-align:left;padding:6px 8px;color:var(--navy);font-weight:600;border-bottom:1px solid #f0c860}
.gc-body{min-width:0}
.hub-section{padding:52px 0 80px}
.ico-blue{background: #e4f0fb;}
.ico-blue2{background:#e4f0fb}
.ico-gray{background: #f2f4f6;}
.ico-green2{background:#e6f7f3}
.ico-orange{background: #fff0e6;}
.ico-red2{background:#fdeaea}
.ico-yellow{background: #fef9e6;}
.legal-hero{background:var(--navy);padding:48px 0 36px}
.legal-hero h1{color:#fff;font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:700;letter-spacing:-.02em;margin-bottom:8px}
.legal-hero p{color:rgba(255,255,255,.7);font-size:.9rem}
.legal-wrap{padding:44px 0 80px;max-width:780px}
.legal-wrap a{color:var(--teal);font-weight:500}
.legal-wrap a:hover{color:var(--navy)}
.legal-wrap h2{color:var(--navy);font-size:1.15rem;font-weight:700;margin:2rem 0 .6rem;padding-top:1.5rem;border-top:1px solid var(--line)}
.legal-wrap h2:first-of-type{border-top:none;padding-top:0;margin-top:0}
.legal-wrap li{color:#374550;font-size:.95rem;line-height:1.65;margin-bottom:.4rem}
.legal-wrap p{color:#374550;font-size:.95rem;line-height:1.78;margin-bottom:.9rem}
.legal-wrap strong{color:var(--navy)}
.legal-wrap ul{list-style:disc;padding-left:1.4rem;margin-bottom:.9rem}
.lender-badge{font-size:.72rem;color:var(--muted);background:#f2f4f6;border-radius:100px;padding:3px 10px}
.lender-name{font-size:.92rem;font-weight:600;color:var(--navy)}
.letter-bold{font-weight:700;color:var(--navy)}
.letter-box li{margin-bottom:.4rem}
.letter-box ol{padding-left:1.4rem;margin:.5rem 0 .8rem}
.letter-placeholder{color:var(--blue);font-weight:700}
.orient-box a{color:var(--teal);font-weight:600}
.orient-box a:hover{color:var(--navy)}
.orient-box strong{color:#0a3352}
.prose code{background:#f1f5f4;padding:2px 6px;border-radius:4px;font-size:.86em;color:#a32d2d}
.prose ul, .prose ol{padding-left: 1.4rem; margin-bottom: 1rem;}
.prose ul,.prose ol{padding-left:1.4rem;margin-bottom:1rem}
.pull-quote{border-left:4px solid var(--teal);background:var(--soft-green);padding:18px 22px;margin:0 0 26px;border-radius:0 var(--radius-sm) var(--radius-sm) 0}
.pull-quote p{margin:0;font-size:1.05rem;line-height:1.6;color:#123c2e;font-style:italic;font-weight:500}
.rr{border-top:2px solid var(--navy);margin:2.5rem 0 0;padding-top:20px}
.rr-group{margin-bottom:16px}
.rr-group-label{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--teal);margin-bottom:7px}
.rr-intro{font-size:.92rem;color:#5a6b75;margin-bottom:18px;line-height:1.55}
.rr-list{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.rr-list .rr-note{color:#6b7883;font-weight:400;border:none}
.rr-list a{color:var(--navy);font-weight:600;text-decoration:none;border-bottom:1px solid var(--teal)}
.rr-list a:hover{color:var(--teal)}
.rr-list li{font-size:.94rem;color:#374550;line-height:1.5}
.rr-title{font-size:1.4rem;font-weight:700;color:var(--navy);margin-bottom:6px;line-height:1.25}
.script-box{background:#f0f7ff;border:1px solid #b8d4f0;border-radius:var(--radius-sm);padding:14px 18px;margin:1rem 0;font-size:.92rem;color:#1a3a5e;line-height:1.65;font-style:italic}
.section-title{font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:16px}
.settle-table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.88rem}
.settle-table td{padding:10px 14px;border-bottom:1px solid var(--line);color:#374550;vertical-align:top}
.settle-table th{background:var(--navy);color:#fff;padding:10px 14px;text-align:left;font-weight:600;font-size:.8rem}
.settle-table tr:nth-child(even) td{background:#f8fafc}
.success-banner{background:#e6f7f3;border:1px solid #a8ddd1;border-radius:10px;padding:16px 20px;margin:0 0 24px;font-size:.9rem;color:#0f5c44;line-height:1.6}
.success-banner strong{color:#0a3d2c}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.5rem 0;border-radius:var(--radius-sm);border:1px solid var(--line)}
.table-scroll-hint{display:none;font-size:.78rem;color:var(--muted);text-align:center;padding:6px;background:#f8fafc;border-bottom:1px solid var(--line)}
.tribal-warn{background:#fdf6ec;border:1px solid #f0d9a8;border-left:4px solid #d97706;border-radius:var(--radius-sm);padding:15px 20px;margin-bottom:26px;font-size:.9rem;color:#5a3a0a;line-height:1.62}
.tribal-warn a{color:#b45309;font-weight:600}
.tribal-warn strong{color:#7a4e08}