/* ============================================================
   blog.css — Property Finance Help
   Styles for all /blog/ pages. Link AFTER style.css and
   responsive.css in blog page <head> tags only.
   Created May 2026 — extracted from inline blog template.
   ============================================================ */


/* =============================================
   READING PROGRESS BAR — top of viewport
============================================= */
.pfh-reading-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0%;
    background: linear-gradient(90deg, #00bb84, #68ee71);
    z-index: 99999;
    transition: width 0.12s ease;
    pointer-events: none;
}


/* =============================================
   PAGE & HERO
============================================= */
.pfh-blog-page {
    background: #ffffff;
}

.pfh-blog-hero {
    padding: 60px 0 36px;
    background: linear-gradient(180deg, #f2f5f1 0%, #ffffff 100%);
}

.pfh-blog-hero-card {
    margin: 0 auto;
    padding: 44px 48px 36px;
    border-radius: 28px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    box-shadow: 0 24px 70px rgba(6, 23, 17, 0.06);
}

.pfh-breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
    font-size: 14px;
    color: rgba(6, 23, 17, 0.55);
}

.pfh-breadcrumb a {
    color: #061711;
    font-weight: 600;
    text-decoration: none;
}

.pfh-blog-hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 40px;
    align-items: end;
}

.pfh-blog-kicker,
.pfh-section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 16px;
    padding: 7px 13px;
    border-radius: 999px;
    background: rgba(104, 238, 113, 0.18);
    color: #061711;
    font-weight: 700;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.02em;
}

.pfh-blog-kicker::before,
.pfh-section-label::before {
    content: "";
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #00bb84;
}

.pfh-blog-hero h1 {
    max-width: 760px;
    margin-bottom: 22px;
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 56px;
    line-height: 1.08;
    color: #061711;
}

.pfh-blog-deck {
    max-width: 820px;
    margin-bottom: 22px;
    color: rgba(6, 23, 17, 0.85);
    font-size: 19px;
    line-height: 1.72;
}

.pfh-blog-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 0;
}

.pfh-blog-meta span {
    padding: 8px 12px;
    border-radius: 999px;
    background: #f2f5f1;
    color: rgba(6, 23, 17, 0.85);
    font-size: 14px;
    font-weight: 600;
}

.pfh-blog-hero-cta .custom-btn {
    white-space: nowrap;
}


/* =============================================
   AUTHOR BLOCK
============================================= */
.pfh-author-block {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: 22px;
    padding-top: 22px;
    border-top: 1px solid rgba(28, 75, 66, 0.10);
}

.pfh-author-avatar {
    flex-shrink: 0;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: #1C4B42;
    color: #68ee71;
    font-size: 17px;
    font-weight: 800;
    font-family: Raela Grotesque, Onest, sans-serif;
    display: flex;
    align-items: center;
    justify-content: center;
}

.pfh-author-info {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.pfh-author-info strong {
    font-size: 14.5px;
    color: #061711;
    font-weight: 700;
}

.pfh-author-info span {
    font-size: 13px;
    color: rgba(6, 23, 17, 0.58);
}

.pfh-author-reviewed {
    margin-left: auto;
    padding: 6px 12px;
    border-radius: 8px;
    background: #f2f5f1;
    border: 1px solid rgba(28, 75, 66, 0.10);
    font-size: 12.5px;
    font-weight: 600;
    color: rgba(6, 23, 17, 0.55);
    white-space: nowrap;
}

.pfh-blog-disclaimer {
    margin: 26px 0 0;
    padding: 15px 18px;
    border-radius: 14px;
    background: #f2f5f1;
    border: 1px solid rgba(28, 75, 66, 0.10);
    color: rgba(6, 23, 17, 0.80);
    font-size: 14px;
    line-height: 1.72;
}


/* =============================================
   FEATURED IMAGE
============================================= */
.pfh-featured-image-section {
    padding: 32px 0 0;
    background: #ffffff;
}

.pfh-featured-img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    border-radius: 22px;
    display: block;
}

.pfh-featured-caption {
    margin-top: 10px;
    font-size: 13px;
    color: rgba(6, 23, 17, 0.45);
    text-align: center;
    line-height: 1.5;
}


/* =============================================
   TWO-COLUMN ARTICLE LAYOUT
============================================= */
.pfh-blog-article-outer {
    padding: 48px 0 80px;
}

.pfh-article-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 308px;
    gap: 52px;
    align-items: start;
}

.pfh-article-sidebar {
    position: sticky;
    top: 130px;
    align-self: start;
}

.pfh-sidebar-inner {
    display: flex;
    flex-direction: column;
    gap: 16px;
}


/* =============================================
   SIDEBAR TOC
============================================= */
.pfh-sidebar-toc {
    padding: 22px;
    border-radius: 18px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    box-shadow: 0 8px 32px rgba(6, 23, 17, 0.04);
}

.pfh-sidebar-toc-label {
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(6, 23, 17, 0.42);
    margin-bottom: 14px;
}

.pfh-sidebar-toc nav {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.pfh-sidebar-toc nav a {
    display: block;
    padding: 9px 11px;
    border-radius: 9px;
    font-size: 13.5px;
    font-weight: 600;
    color: rgba(6, 23, 17, 0.68);
    background: transparent;
    transition: 0.2s ease;
    line-height: 1.35;
    text-decoration: none;
}

.pfh-sidebar-toc nav a:hover {
    background: #f2f5f1;
    color: #061711;
}

.pfh-sidebar-toc nav a.pfh-toc-active {
    background: rgba(104, 238, 113, 0.20);
    color: #061711;
}


/* =============================================
   SIDEBAR CTA
============================================= */
.pfh-sidebar-cta {
    padding: 22px;
    border-radius: 18px;
    background: #1C4B42;
    color: #ffffff;
    position: relative;
    overflow: hidden;
}

.pfh-sidebar-cta::after {
    content: "";
    position: absolute;
    right: -20px;
    top: -20px;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: rgba(104, 238, 113, 0.12);
    filter: blur(20px);
    pointer-events: none;
}

.pfh-sidebar-cta h3 {
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 22px;
    line-height: 1.25;
    color: #ffffff;
    margin: 0 0 9px;
    position: relative;
}

.pfh-sidebar-cta p {
    font-size: 13.5px;
    line-height: 1.65;
    color: rgba(255, 255, 255, 0.78);
    margin-bottom: 16px;
    position: relative;
}

.pfh-sidebar-cta .custom-btn {
    width: 100%;
    justify-content: center;
    font-size: 14px;
    position: relative;
}

.pfh-sidebar-cta-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 14px;
    color: #68EE71;
    font-size: 14.5px;
    font-weight: 700;
    text-decoration: none;
    transition: opacity 0.2s ease;
    position: relative;
}

.pfh-sidebar-cta-phone:hover {
    opacity: 0.85;
    color: #68EE71;
}

.pfh-sidebar-cta-phone svg {
    width: 16px;
    height: 16px;
}


/* =============================================
   MOBILE TOC (hidden on desktop, shown ≤1099px)
============================================= */
.pfh-toc-mobile {
    display: none;
    padding: 22px;
    border-radius: 18px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    box-shadow: 0 8px 32px rgba(6, 23, 17, 0.04);
    margin-bottom: 20px;
}

.pfh-toc-mobile h2 {
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 22px;
    color: #061711;
    margin-bottom: 16px;
}

.pfh-toc-mobile-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
}

.pfh-toc-mobile-grid a {
    padding: 11px 13px;
    border-radius: 10px;
    background: #f2f5f1;
    color: #061711;
    font-weight: 700;
    font-size: 14px;
    line-height: 1.4;
    text-decoration: none;
    display: block;
}

.pfh-toc-mobile-grid a:hover {
    background: rgba(104, 238, 113, 0.20);
}


/* =============================================
   QUICK ANSWER
============================================= */
.pfh-quick-answer {
    padding: 28px;
    border-radius: 22px;
    background: #f8faf8;
    border: 1px solid rgba(28, 75, 66, 0.10);
    box-shadow: 0 16px 45px rgba(6, 23, 17, 0.045);
    margin-bottom: 20px;
}

.pfh-quick-answer h2 {
    margin-bottom: 14px;
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 30px;
    line-height: 1.2;
    color: #061711;
}

.pfh-quick-answer p {
    margin-bottom: 20px;
    color: rgba(6, 23, 17, 0.72);
    font-size: 15.5px;
    line-height: 1.8;
}

.pfh-fact-chips {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    grid-auto-rows: 1fr;
    gap: 8px;
}

.pfh-fact-chips > span {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 13px 14px;
    border-radius: 12px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    color: rgba(6, 23, 17, 0.72);
    font-size: 14px;
    line-height: 1.5;
    box-sizing: border-box;
}

.pfh-fact-chip-dot {
    flex-shrink: 0;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: #00bb84;
}

.pfh-fact-chips > span strong {
    color: #061711;
    font-weight: 500;
}


/* =============================================
   ARTICLE CONTENT TYPOGRAPHY
============================================= */
.pfh-article-content h2 {
    margin: 68px 0 20px;
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 40px;
    line-height: 1.18;
    color: #061711;
}

.pfh-article-content h3 {
    margin: 34px 0 12px;
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 24px;
    line-height: 1.3;
    color: #061711;
}

.pfh-article-content p {
    margin-bottom: 22px;
    color: rgba(6, 23, 17, 0.85);
    font-size: 17px;
    line-height: 1.88;
}

.pfh-article-content a {
    color: #061711;
    font-weight: 700;
    text-decoration: underline;
    text-underline-offset: 3px;
    text-decoration-color: rgba(6, 23, 17, 0.28);
    transition: text-decoration-color 0.2s ease;
}

.pfh-article-content .common-problem-btns a {
    text-decoration: none;
}

.pfh-article-content a:hover {
    text-decoration-color: #061711;
}

.pfh-article-intro {
    padding-bottom: 28px;
    margin-bottom: 10px;
    border-bottom: 1px solid rgba(28, 75, 66, 0.10);
}

.pfh-article-intro p {
    font-size: 17.5px;
}

.pfh-key-takeaway {
    margin: 28px 0 8px;
    padding: 20px 24px;
    border-radius: 14px;
    background: #f2f5f1;
    border: 1px solid rgba(28, 75, 66, 0.10);
    color: rgba(6, 23, 17, 0.85);
    font-size: 16px;
    line-height: 1.75;
}


/* =============================================
   STEP FLOW DIAGRAM
============================================= */
.pfh-step-flow {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin: 28px 0 44px;
}

.pfh-step-flow-item {
    padding: 18px 16px;
    border-radius: 14px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    box-shadow: 0 4px 16px rgba(6, 23, 17, 0.04);
}

.pfh-step-num {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #1C4B42;
    color: #68ee71;
    font-size: 13px;
    font-weight: 800;
    font-family: Raela Grotesque, Onest, sans-serif;
    margin-bottom: 12px;
    flex-shrink: 0;
}

.pfh-step-flow-item strong {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: #061711;
    margin-bottom: 6px;
    line-height: 1.3;
}

.pfh-step-flow-item span {
    font-size: 13px;
    color: rgba(6, 23, 17, 0.60);
    line-height: 1.55;
}


/* =============================================
   TABLE
============================================= */
.pfh-table-wrap {
    position: relative;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    margin: 22px 0 8px;
    border-radius: 16px;
    border: 1px solid rgba(28, 75, 66, 0.12);
}

.pfh-table-scroll-hint {
    display: none;
    align-items: center;
    gap: 6px;
    justify-content: flex-end;
    margin-bottom: 8px;
    color: rgba(6, 23, 17, 0.50);
    font-size: 13px;
    font-weight: 600;
}

.pfh-table-scroll-hint svg {
    width: 16px;
    height: 16px;
}

.pfh-guide-table {
    width: 100%;
    border-collapse: collapse;
    background: #ffffff;
}

.pfh-guide-table th,
.pfh-guide-table td {
    padding: 14px 16px;
    text-align: left;
    vertical-align: top;
    border-bottom: 1px solid rgba(28, 75, 66, 0.10);
    color: rgba(6, 23, 17, 0.85);
    font-size: 15px;
    line-height: 1.55;
}

.pfh-guide-table th {
    background: #1C4B42;
    color: #ffffff;
    font-weight: 700;
}

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

.pfh-guide-table td strong {
    color: #061711;
}

.pfh-table-note {
    padding: 11px 16px;
    background: #f2f5f1;
    border-top: 1px solid rgba(28, 75, 66, 0.08);
    font-size: 13px;
    color: rgba(6, 23, 17, 0.55);
    line-height: 1.65;
    border-radius: 0 0 14px 14px;
}


/* =============================================
   COST WORKED EXAMPLE (V1 — single pathway)
============================================= */
.pfh-cost-example {
    margin: 28px 0 12px;
    border-radius: 18px;
    overflow: hidden;
    border: 1px solid rgba(28, 75, 66, 0.12);
}

.pfh-cost-example-header {
    padding: 13px 20px;
    background: #1C4B42;
    color: rgba(255, 255, 255, 0.80);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.pfh-cost-example-header strong {
    color: #68ee71;
}

.pfh-cost-cols {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    background: #ffffff;
}

.pfh-cost-col {
    padding: 18px 20px;
    border-right: 1px solid rgba(28, 75, 66, 0.08);
}

.pfh-cost-col:last-child {
    border-right: none;
}

.pfh-cost-col-label {
    font-size: 11.5px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    color: rgba(6, 23, 17, 0.45);
    margin-bottom: 14px;
}

.pfh-cost-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 10px;
    padding: 7px 0;
    border-bottom: 1px solid rgba(28, 75, 66, 0.07);
    font-size: 14px;
    color: rgba(6, 23, 17, 0.78);
    line-height: 1.4;
}

.pfh-cost-row:last-child {
    border-bottom: none;
}

.pfh-cost-row strong {
    flex-shrink: 0;
    font-weight: 700;
    color: #061711;
}

.pfh-cost-row.pfh-cost-zero strong {
    color: #00bb84;
}

.pfh-cost-row.pfh-cost-total {
    margin-top: 10px;
    padding-top: 12px;
    border-top: 2px solid rgba(28, 75, 66, 0.15);
    font-weight: 700;
    color: #061711;
    font-size: 15px;
    border-bottom: none;
}

.pfh-cost-note {
    padding: 11px 20px;
    background: #f2f5f1;
    font-size: 12.5px;
    color: rgba(6, 23, 17, 0.52);
    line-height: 1.65;
    border-top: 1px solid rgba(28, 75, 66, 0.08);
}


/* =============================================
   COST EXAMPLE V2 — aligned comparison table
============================================= */
.pfh-cost-v2 {
    margin: 28px 0 12px;
    border-radius: 18px;
    overflow: hidden;
    border: 1px solid rgba(28, 75, 66, 0.12);
}

.pfh-cost-v2-header {
    padding: 12px 20px;
    background: #1C4B42;
    display: flex;
    align-items: center;
    gap: 12px;
}

.pfh-cost-v2-header strong {
    font-size: 12px;
    font-weight: 600;
    color: #68ee71;
}

.pfh-cost-v2-header span {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.55);
}

.pfh-cost-v2-totals {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
    padding: 16px;
    background: #ffffff;
    border-bottom: 1px solid rgba(28, 75, 66, 0.10);
}

.pfh-cost-v2-card {
    padding: 14px 16px;
    border-radius: 10px;
}

.pfh-cost-v2-card-a {
    background: #f8faf8;
    border: 1px solid rgba(28, 75, 66, 0.10);
}

.pfh-cost-v2-card-b {
    background: #ffffff;
    border: 1px solid rgba(0, 187, 132, 0.35);
}

.pfh-cost-v2-card-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 8px;
}

.pfh-cost-v2-card-label {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    color: rgba(6, 23, 17, 0.42);
    margin-bottom: 8px;
}

.pfh-cost-v2-card-header .pfh-cost-v2-card-label {
    margin-bottom: 0;
}

.pfh-cost-v2-scheme-badge {
    font-size: 11px;
    font-weight: 500;
    padding: 2px 8px;
    border-radius: 999px;
    background: rgba(0, 187, 132, 0.10);
    color: #00bb84;
    white-space: nowrap;
    flex-shrink: 0;
    margin-left: 8px;
}

.pfh-cost-v2-total-amount {
    font-size: 26px;
    font-weight: 700;
    color: #061711;
    line-height: 1.2;
    font-family: Raela Grotesque, Onest, sans-serif;
    margin: 0 0 3px;
}

.pfh-cost-v2-total-label {
    font-size: 12px;
    color: rgba(6, 23, 17, 0.45);
}

.pfh-cost-v2-table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}

.pfh-cost-v2-col-heads {
    display: grid;
    grid-template-columns: 1fr 100px 100px;
    padding: 7px 20px;
    background: #f8faf8;
    border-bottom: 1px solid rgba(28, 75, 66, 0.08);
    min-width: 420px;
}

.pfh-cost-v2-col-head {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: rgba(6, 23, 17, 0.42);
    text-align: right;
}

.pfh-cost-v2-col-head:first-child {
    text-align: left;
}

.pfh-cost-v2-row {
    display: grid;
    grid-template-columns: 1fr 100px 100px;
    padding: 10px 20px;
    border-bottom: 1px solid rgba(28, 75, 66, 0.07);
    align-items: center;
    min-width: 420px;
}

.pfh-cost-v2-row:last-child {
    border-bottom: none;
}

.pfh-cost-v2-row-label {
    font-size: 13.5px;
    color: rgba(6, 23, 17, 0.72);
}

.pfh-cost-v2-val {
    font-size: 13.5px;
    color: #061711;
    text-align: right;
}

.pfh-cost-v2-val-zero {
    font-size: 13.5px;
    color: #00bb84;
    font-weight: 600;
    text-align: right;
}

.pfh-cost-v2-val-muted {
    font-size: 12px;
    color: rgba(6, 23, 17, 0.40);
    font-style: italic;
    text-align: right;
}

.pfh-cost-v2-row-total {
    background: #ffffff;
}

.pfh-cost-v2-row-total .pfh-cost-v2-row-label {
    font-size: 14px;
    font-weight: 700;
    color: #061711;
}

.pfh-cost-v2-row-total .pfh-cost-v2-val {
    font-size: 14px;
    font-weight: 700;
}

.pfh-cost-v2-savings {
    padding: 10px 20px;
    background: rgba(0, 187, 132, 0.06);
    border-top: 1px solid rgba(0, 187, 132, 0.20);
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
}

.pfh-cost-v2-savings svg {
    flex-shrink: 0;
}

.pfh-cost-v2-savings-amount {
    font-size: 13px;
    font-weight: 600;
    color: #00bb84;
}

.pfh-cost-v2-savings-text {
    font-size: 13px;
    color: rgba(6, 23, 17, 0.55);
}

.pfh-cost-v2-note {
    padding: 10px 20px;
    border-top: 1px solid rgba(28, 75, 66, 0.08);
    font-size: 12px;
    color: rgba(6, 23, 17, 0.45);
    line-height: 1.65;
}


/* =============================================
   INFO CARDS (schemes, scenarios)
============================================= */
.pfh-card-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin-top: 26px;
}

.pfh-info-card {
    padding: 22px;
    border-radius: 14px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
}

.pfh-info-card h3 {
    margin: 0 0 9px;
    font-size: 18px;
    line-height: 1.3;
    color: #061711;
}

.pfh-info-card p {
    margin: 0 0 12px;
    font-size: 14.5px;
    line-height: 1.72;
    color: rgba(6, 23, 17, 0.80);
}

.pfh-info-card a {
    font-size: 14px;
    font-weight: 700;
    color: #061711;
}


/* =============================================
   LENDER ASSESSMENT CARDS
============================================= */
.pfh-lender-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
    margin-top: 24px;
}

.pfh-lender-card {
    padding: 18px 20px;
    border-radius: 13px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
}

.pfh-lender-card strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: #061711;
    margin-bottom: 6px;
}

.pfh-lender-card p {
    margin: 0;
    font-size: 13.5px !important;
    line-height: 1.65 !important;
    color: rgba(6, 23, 17, 0.72);
}


/* =============================================
   MISTAKE CARDS
============================================= */
.pfh-mistakes-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin-top: 26px;
}

.pfh-mistake-card {
    position: relative;
    padding: 26px 26px 22px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    border-radius: 15px;
    box-shadow: 0 6px 20px rgba(6, 23, 17, 0.035);
}

.pfh-mistake-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    margin-bottom: 16px;
    border-radius: 10px;
    background: rgba(104, 238, 113, 0.18);
}

.pfh-mistake-icon svg {
    width: 18px;
    height: 18px;
    color: #1C4B42;
}

.pfh-mistake-card h3 {
    margin: 0 0 10px !important;
    font-family: Onest, sans-serif !important;
    font-size: 17px !important;
    font-weight: 700 !important;
    line-height: 1.35 !important;
    color: #061711;
}

.pfh-mistake-card p {
    margin: 0 !important;
    font-size: 14.5px !important;
    line-height: 1.7 !important;
    color: rgba(6, 23, 17, 0.78);
}

.pfh-mistake-card .pfh-mistake-tip {
    margin-top: 14px !important;
    padding-top: 14px;
    border-top: 1px solid rgba(28, 75, 66, 0.10);
    font-size: 13.5px !important;
    line-height: 1.6 !important;
    color: #1C4B42 !important;
    font-weight: 600;
}

.pfh-mistake-card .pfh-mistake-tip::before {
    content: "→ ";
    color: #00bb84;
    font-weight: 800;
}


/* =============================================
   CHECKLIST
============================================= */
.pfh-checklist {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
    margin-top: 22px;
}

.pfh-checklist span {
    display: block;
    padding: 12px 16px;
    border-radius: 12px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    color: rgba(6, 23, 17, 0.85);
    font-size: 14.5px;
    line-height: 1.5;
}

.pfh-checklist span::before {
    content: "✓";
    color: #00bb84;
    font-weight: 800;
    margin-right: 8px;
}


/* =============================================
   INLINE CTA — brand .talk-section pattern
============================================= */
.pfh-talk-inline {
    margin: 64px 0 10px;
    background: #1C4B42;
    border-radius: 20px;
    position: relative;
    overflow: hidden;
    padding: 38px 40px;
}

.pfh-talk-inline::before {
    content: "";
    position: absolute;
    right: -60px;
    top: -60px;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: rgba(104, 238, 113, 0.18);
    filter: blur(60px);
    pointer-events: none;
}

.pfh-talk-inline-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
    gap: 40px;
    align-items: center;
    position: relative;
}

.pfh-talk-inline-left .pfh-section-label {
    background: rgba(104, 238, 113, 0.20);
    color: #ffffff;
    margin-bottom: 14px;
}

.pfh-talk-inline-left h2 {
    margin: 0 0 12px !important;
    font-family: Raela Grotesque, Onest, sans-serif !important;
    font-size: 30px !important;
    line-height: 1.22 !important;
    color: #ffffff !important;
}

.pfh-talk-inline-left p {
    margin: 0 !important;
    font-size: 15.5px !important;
    line-height: 1.7 !important;
    color: rgba(255, 255, 255, 0.78) !important;
    max-width: 480px;
}

.pfh-talk-inline-right {
    display: flex;
    flex-direction: column;
    gap: 12px;
    align-items: flex-start;
}

.pfh-talk-inline-right .custom-btn {
    white-space: nowrap;
}

.pfh-talk-inline-phone {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    position: relative;
    padding-left: 4px;
}

.pfh-talk-inline-phone .pfh-call-icon {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: rgba(104, 238, 113, 0.15);
}

.pfh-talk-inline-phone .pfh-call-icon::after {
    content: "";
    position: absolute;
    inset: -4px;
    border-radius: 50%;
    background: rgba(104, 238, 113, 0.35);
    filter: blur(12px);
    z-index: 0;
    pointer-events: none;
}

.pfh-talk-inline-phone .pfh-call-icon svg {
    position: relative;
    z-index: 1;
    width: 18px;
    height: 18px;
    color: #68EE71;
}

.pfh-talk-inline-phone .pfh-phone-text {
    display: flex;
    flex-direction: column;
    line-height: 1.3;
}

.pfh-talk-inline-phone .pfh-phone-text small {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.55);
    font-weight: 500;
}

.pfh-talk-inline-phone .pfh-phone-text strong {
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 22px;
    color: #68EE71;
    font-weight: 700;
}


/* =============================================
   FORM TRUST CHIPS
============================================= */
.pfh-form-trust-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 14px;
    justify-content: center;
}

.pfh-form-trust-chips span {
    padding: 6px 13px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.09);
    border: 1px solid rgba(255, 255, 255, 0.14);
    color: rgba(255, 255, 255, 0.78);
    font-size: 13px;
}


/* =============================================
   TWO-COLUMN BEFORE / AFTER COMPARE
============================================= */
.pfh-compare-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin: 32px 0 12px;
}

.pfh-compare-card {
    padding: 24px;
    border-radius: 16px;
    background: #ffffff;
    border: 1px solid rgba(28, 75, 66, 0.10);
    box-shadow: 0 4px 16px rgba(6, 23, 17, 0.04);
}

.pfh-compare-card-label {
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(6, 23, 17, 0.42);
    margin-bottom: 10px;
}

.pfh-compare-card h4 {
    font-family: Raela Grotesque, Onest, sans-serif;
    font-size: 18px;
    font-weight: 700;
    color: #061711;
    margin: 0 0 18px;
    line-height: 1.3;
}

.pfh-compare-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 11px;
}

.pfh-compare-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 14.5px;
    color: rgba(6, 23, 17, 0.80);
    line-height: 1.55;
}

.pfh-compare-list li::before {
    content: "✓";
    flex-shrink: 0;
    color: #00bb84;
    font-weight: 800;
    font-size: 14px;
    margin-top: 1px;
}


/* =============================================
   DEPOSIT PATHWAY PROGRESS BARS
============================================= */
.pfh-deposit-bars {
    margin: 28px 0 32px;
    padding: 28px 32px;
    border-radius: 18px;
    background: #1C4B42;
    border: 1px solid rgba(255, 255, 255, 0.06);
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.pfh-deposit-bars-title {
    font-size: 11px;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.09em;
    color: rgba(255, 255, 255, 0.40);
    margin: 0 0 4px;
}

.pfh-deposit-bar-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    margin-bottom: 10px;
}

.pfh-deposit-bar-label {
    font-size: 15px;
    font-weight: 500;
    color: #ffffff;
    line-height: 1.3;
}

.pfh-deposit-bar-label span {
    display: block;
    font-size: 13px;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.58);
    margin-top: 3px;
    white-space: nowrap;
}

.pfh-deposit-bar-badge {
    flex-shrink: 0;
    min-width: 72px;
    text-align: center;
    padding: 5px 13px;
    border-radius: 999px;
    font-size: 12px;
    font-weight: 500;
    background: rgba(104, 238, 113, 0.14);
    color: #68ee71;
    white-space: nowrap;
}

.pfh-deposit-bar-track {
    height: 9px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.10);
    overflow: hidden;
}

.pfh-deposit-bar-fill {
    height: 100%;
    border-radius: 999px;
    background: #00bb84;
}


/* =============================================
   BLOG FAQ SECTION OVERRIDES
============================================= */
.pfh-blog-faq .faq-accordion-answer a.faq-ext-link {
    color: #00BB84;
    font-weight: 600;
    text-decoration: underline;
    text-underline-offset: 3px;
    transition: color 0.2s;
}

.pfh-blog-faq .faq-accordion-answer a.faq-ext-link:hover {
    color: #10563D;
}


/* =============================================
   SOURCES SECTION
============================================= */
.pfh-sources-label {
    margin-bottom: 10px;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    color: rgba(6, 23, 17, 0.45);
}

.pfh-sources-list {
    display: flex;
    flex-wrap: wrap;
    gap: 5px 18px;
    font-size: 13px;
    line-height: 1.7;
    color: rgba(6, 23, 17, 0.58);
}

.pfh-sources-list a {
    color: rgba(6, 23, 17, 0.58);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.pfh-sources-disclaimer {
    margin-top: 12px;
    font-size: 12.5px;
    color: rgba(6, 23, 17, 0.42);
    line-height: 1.6;
}


/* =============================================
   RESPONSIVE — Blog pages
============================================= */
@media only screen and (max-width: 1099px) {
    .pfh-article-layout {
        grid-template-columns: 1fr;
    }

    .pfh-article-sidebar {
        display: none;
    }

    .pfh-toc-mobile {
        display: block;
    }
}

@media only screen and (max-width: 991px) {
    .pfh-blog-hero-grid {
        grid-template-columns: 1fr;
    }

    .pfh-blog-hero h1 {
        font-size: 42px;
    }

    .pfh-blog-hero-card {
        padding: 30px;
    }

    .pfh-author-reviewed {
        display: none;
    }

    .pfh-article-content h2 {
        font-size: 36px;
    }

    .pfh-blog-article-outer {
        padding: 38px 0 60px;
    }

    .pfh-featured-img {
        height: 300px;
    }

    .pfh-talk-inline-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .pfh-talk-inline {
        padding: 32px 28px;
    }
}

@media only screen and (max-width: 768px) {
    .pfh-blog-hero {
        padding-top: 30px;
    }

    .pfh-blog-hero h1 {
        font-size: 34px;
    }

    .pfh-blog-deck {
        font-size: 16px;
    }

    .pfh-fact-chips,
    .pfh-card-grid,
    .pfh-lender-grid,
    .pfh-checklist,
    .pfh-mistakes-grid,
    .pfh-cost-cols,
    .pfh-compare-grid {
        grid-template-columns: 1fr;
    }

    .pfh-step-flow {
        grid-template-columns: repeat(2, 1fr);
    }

    .pfh-toc-mobile-grid {
        grid-template-columns: 1fr;
    }

    .pfh-article-content h2 {
        font-size: 32px;
        margin-top: 50px;
    }

    .pfh-article-content h3 {
        font-size: 22px;
    }

    .pfh-featured-img {
        height: 230px;
        border-radius: 16px;
    }

    .pfh-cost-col {
        border-right: none;
        border-bottom: 1px solid rgba(28, 75, 66, 0.08);
    }

    .pfh-cost-col:last-child {
        border-bottom: none;
    }

    .pfh-talk-inline-left h2 {
        font-size: 24px !important;
    }

    .pfh-table-scroll-hint {
        display: flex;
    }

    .pfh-deposit-bars {
        padding: 22px 20px;
    }

    .pfh-deposit-bar-label span {
        white-space: normal;
    }

    .pfh-cost-v2-totals {
        grid-template-columns: 1fr;
    }
}

@media only screen and (max-width: 480px) {
    .pfh-blog-hero-card {
        padding: 22px;
    }

    .pfh-blog-hero h1 {
        font-size: 30px;
    }

    .pfh-quick-answer {
        padding: 20px;
    }

    .pfh-talk-inline {
        padding: 26px 22px;
    }

    .pfh-step-flow {
        grid-template-columns: 1fr;
    }
}


/* =============================================
   SOURCES SECTION PADDING
============================================= */
.pfh-sources-section {
    padding: 28px 0 10px;
}

/* =============================================
   BLOG FAQ SECTION PADDING
============================================= */
.pfh-blog-faq {
    padding-top: 90px;
    padding-bottom: 20px;
}