/* Canadian Money Help — NerdWallet + Ratehub hybrid v0.2.1. Performance-first, no framework. */

:root {
    --cw-bg: #ffffff;
    --cw-fg: #0b1a2b;
    --cw-muted: #52607a;
    --cw-muted-strong: #32425c;
    --cw-brand: #0a2540;
    --cw-brand-dark: #061628;
    --cw-brand-soft: #eaf0f8;
    --cw-accent: #c8a24b;
    --cw-accent-dark: #a8842f;
    --cw-accent-soft: #fdf6e3;
    --cw-border: #e4e7ec;
    --cw-border-strong: #c9d0db;
    --cw-surface: #f6f8fb;
    --cw-surface-2: #eef2f7;
    --cw-success: #0e7c3a;
    --cw-radius: 10px;
    --cw-radius-sm: 6px;
    --cw-max: 1200px;
    --cw-max-prose: 72ch;
    --cw-font: "Inter", system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
    --cw-font-serif: "Source Serif 4", Georgia, "Times New Roman", serif;
    --cw-shadow-sm: 0 1px 2px rgba(10, 37, 64, 0.05);
    --cw-shadow: 0 4px 16px rgba(10, 37, 64, 0.06);
}

* { box-sizing: border-box; }

html { font-family: var(--cw-font); line-height: 1.55; -webkit-font-smoothing: antialiased; }
body { margin: 0; background: var(--cw-bg); color: var(--cw-fg); }

a { color: var(--cw-brand); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--cw-brand-dark); text-decoration-thickness: 2px; }

h1, h2, h3, h4 { font-family: var(--cw-font-serif); line-height: 1.2; margin: 0 0 0.6em; font-weight: 600; letter-spacing: -0.01em; color: var(--cw-fg); }
h1 { font-size: clamp(1.9rem, 2.8vw + 1rem, 2.75rem); }
h2 { font-size: clamp(1.4rem, 1.6vw + 1rem, 1.9rem); margin-top: 1.8em; }
h3 { font-size: 1.2rem; margin-top: 1.4em; }
h4 { font-size: 1rem; font-family: var(--cw-font); font-weight: 600; letter-spacing: 0; }

p { margin: 0 0 1em; }

.cw-container { max-width: var(--cw-max); margin: 0 auto; padding: 0 1.25rem; }

.cw-skip {
    position: absolute; left: -9999px; top: auto;
    background: var(--cw-brand); color: #fff; padding: 0.5em 0.8em; z-index: 100;
}
.cw-skip:focus { left: 1rem; top: 1rem; }

/* Header */
.cw-site-header {
    background: #fff; border-bottom: 1px solid var(--cw-border);
    position: sticky; top: 0; z-index: 50;
}
.cw-site-header__inner {
    display: flex; align-items: center; justify-content: space-between;
    min-height: 68px; gap: 1.5rem;
}
.cw-logo {
    font-weight: 700; text-decoration: none; color: var(--cw-brand);
    font-size: 1.1rem; letter-spacing: -0.01em;
    display: inline-flex; align-items: baseline; gap: 0.35rem;
}
.cw-logo__mark { color: var(--cw-accent); }

/* Header layout */
.cw-site-header__inner { position: relative; }

.cw-site-header__right {
    display: flex; align-items: center; gap: 1.5rem; flex: 1; justify-content: flex-end;
}

.cw-primary-nav__list {
    display: flex; gap: 1.4rem; list-style: none; margin: 0; padding: 0; flex-wrap: wrap;
}

.cw-search { position: relative; display: flex; align-items: center; }

/* Hamburger toggle — visible only below 900px */
.cw-menu-toggle {
    display: none;
    align-items: center; gap: 0.5rem;
    background: transparent; border: 0; padding: 0.45rem 0.6rem;
    cursor: pointer; color: var(--cw-fg);
    font: inherit; font-weight: 600; font-size: 0.9rem;
    border-radius: var(--cw-radius-sm);
    -webkit-tap-highlight-color: transparent;
}
.cw-menu-toggle:hover { background: var(--cw-surface); }
.cw-menu-toggle__bars {
    display: inline-flex; flex-direction: column; gap: 4px;
    width: 20px;
}
.cw-menu-toggle__bars span {
    display: block; height: 2px; width: 100%; background: var(--cw-fg);
    border-radius: 1px;
}
.cw-menu-toggle__label { color: var(--cw-fg); }

.cw-menu-close {
    display: none;
    background: transparent; border: 0; padding: 0.4rem;
    cursor: pointer; color: var(--cw-fg);
    align-self: flex-end;
    border-radius: var(--cw-radius-sm);
    -webkit-tap-highlight-color: transparent;
}
.cw-menu-close:hover { background: var(--cw-surface); }
.cw-menu-close svg { width: 24px; height: 24px; display: block; }

.cw-menu-backdrop {
    position: fixed; inset: 0; background: rgba(6, 22, 40, 0.45);
    z-index: 60; opacity: 0; pointer-events: none;
    transition: opacity 0.2s ease;
}

/* Mobile drawer behavior */
@media (max-width: 899px) {
    .cw-menu-toggle { display: inline-flex; }

    .cw-site-header__right {
        position: fixed;
        top: 0; right: 0; bottom: 0;
        width: min(88vw, 340px);
        background: #fff;
        padding: 1.1rem 1.25rem 2rem;
        flex-direction: column;
        align-items: stretch;
        justify-content: flex-start;
        gap: 1.25rem;
        box-shadow: -8px 0 32px rgba(6, 22, 40, 0.18);
        z-index: 70;
        transform: translateX(100%);
        transition: transform 0.25s ease;
        overflow-y: auto;
    }
    .cw-menu-close { display: inline-flex; margin: -0.35rem -0.35rem 0 auto; }

    .cw-search { width: 100%; }
    .cw-search__input { width: 100%; font-size: 1rem; padding: 0.7rem 0.9rem 0.7rem 2.4rem; }

    .cw-primary-nav { width: 100%; }
    .cw-primary-nav__list {
        flex-direction: column; align-items: stretch; gap: 0;
    }
    .cw-primary-nav__list li { border-bottom: 1px solid var(--cw-border); }
    .cw-primary-nav__list li:last-child { border-bottom: 0; }
    .cw-primary-nav__list a {
        display: block; padding: 0.9rem 0.25rem;
        font-size: 1.05rem; font-weight: 600;
        color: var(--cw-fg); border-bottom: 0;
    }
    .cw-primary-nav__list a:hover {
        color: var(--cw-brand); border-bottom: 0;
    }

    .cw-menu-open body { overflow: hidden; }
    .cw-menu-open .cw-site-header__right { transform: translateX(0); }
    .cw-menu-open .cw-menu-backdrop { opacity: 1; pointer-events: auto; }
}

@media (prefers-reduced-motion: reduce) {
    .cw-site-header__right, .cw-menu-backdrop { transition: none; }
}
.cw-search__label {
    position: absolute; left: -9999px;
}
.cw-search__icon {
    position: absolute; left: 0.7rem; top: 50%; transform: translateY(-50%);
    width: 16px; height: 16px; color: var(--cw-muted); pointer-events: none;
}
.cw-search__input {
    padding: 0.5rem 0.8rem 0.5rem 2.1rem;
    border: 1px solid var(--cw-border-strong); border-radius: 999px;
    background: var(--cw-surface); font: inherit; font-size: 0.9rem;
    color: var(--cw-fg); width: 220px; transition: border-color 0.15s, background 0.15s;
}
.cw-search__input::placeholder { color: var(--cw-muted); }
.cw-search__input:focus {
    outline: 0; border-color: var(--cw-brand); background: #fff;
    box-shadow: 0 0 0 3px rgba(10,37,64,0.1);
}
.cw-primary-nav__list a {
    text-decoration: none; color: var(--cw-muted-strong); font-size: 0.94rem;
    font-weight: 500; padding: 0.5rem 0; border-bottom: 2px solid transparent;
}
.cw-primary-nav__list a:hover {
    color: var(--cw-brand); border-bottom-color: var(--cw-accent);
}

.cw-main { min-height: 60vh; padding: 0 0 3rem; }

/* Search results page */
.cw-search-page { padding-top: 2rem; padding-bottom: 4rem; }
.cw-search-head { padding-bottom: 1.5rem; border-bottom: 1px solid var(--cw-border); margin-bottom: 2rem; }
.cw-search-head__title {
    font-family: var(--cw-font-serif);
    font-size: clamp(1.75rem, 3vw, 2.25rem);
    line-height: 1.15; color: var(--cw-brand); margin: 0.35rem 0 0.6rem;
}
.cw-search-head__meta { margin: 0 0 1.25rem; color: var(--cw-muted-strong); font-size: 0.95rem; }
.cw-search-refine {
    display: flex; gap: 0.6rem; flex-wrap: wrap; max-width: 640px;
}
.cw-search-refine input[type="search"] {
    flex: 1 1 280px; min-width: 0;
    padding: 0.7rem 0.9rem;
    border: 1px solid var(--cw-border-strong);
    border-radius: var(--cw-radius-sm);
    font-size: 1rem; background: #fff;
}
.cw-search-refine input[type="search"]:focus {
    outline: none; border-color: var(--cw-accent);
    box-shadow: 0 0 0 3px rgba(201, 154, 59, 0.18);
}
.cw-search-refine button { flex: 0 0 auto; padding: 0.7rem 1.2rem; border: 0; cursor: pointer; }

.cw-search-empty {
    padding: 1.5rem 1.75rem; background: var(--cw-brand-soft);
    border-radius: var(--cw-radius); margin-bottom: 2rem;
}
.cw-search-empty h2 { margin: 0 0 0.5rem; font-family: var(--cw-font-serif); font-size: 1.25rem; color: var(--cw-brand); }
.cw-search-empty p { margin: 0 0 0.5rem; }
.cw-search-empty ul { margin: 0; padding-left: 1.1rem; }
.cw-search-empty li { margin-bottom: 0.4rem; line-height: 1.55; }

.cw-search-section { margin-bottom: 2.5rem; }
.cw-search-section__title {
    font-family: var(--cw-font);
    font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em;
    color: var(--cw-muted-strong); margin: 0 0 1rem; font-weight: 700;
}

.cw-search-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
}
.cw-search-card {
    display: flex; flex-direction: column; gap: 0.5rem;
    padding: 1.1rem 1.2rem; background: #fff;
    border: 1px solid var(--cw-border); border-radius: var(--cw-radius-sm);
    text-decoration: none; color: var(--cw-fg);
    transition: border-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}
.cw-search-card:hover {
    border-color: var(--cw-brand); transform: translateY(-1px);
    box-shadow: var(--cw-shadow); color: var(--cw-fg);
}
.cw-search-card__tag {
    align-self: flex-start;
    font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em;
    padding: 0.2rem 0.55rem; background: var(--cw-brand-soft);
    color: var(--cw-brand); border-radius: 999px;
}
.cw-search-card__title {
    font-family: var(--cw-font-serif); font-weight: 600; font-size: 1.05rem;
    color: var(--cw-fg); margin: 0.15rem 0 0; line-height: 1.3;
}
.cw-search-card__excerpt { margin: 0; color: var(--cw-muted-strong); font-size: 0.9rem; line-height: 1.5; }
.cw-search-card__footer {
    display: flex; justify-content: space-between; align-items: center;
    margin-top: 0.6rem; font-size: 0.82rem;
}
.cw-search-card__updated { color: var(--cw-muted); }
.cw-search-card__cta { color: var(--cw-accent-dark, var(--cw-accent)); font-weight: 600; }

.cw-search-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.8rem; }
.cw-search-list__item {
    border: 1px solid var(--cw-border); border-radius: var(--cw-radius-sm);
    background: #fff;
}
.cw-search-list__link {
    display: block; padding: 1rem 1.2rem; text-decoration: none; color: var(--cw-fg);
    transition: border-color 0.15s ease;
}
.cw-search-list__link:hover { color: var(--cw-fg); }
.cw-search-list__item:hover { border-color: var(--cw-brand); }
.cw-search-list__title {
    font-family: var(--cw-font-serif); font-weight: 600; font-size: 1.05rem;
    margin: 0 0 0.3rem; color: var(--cw-fg); line-height: 1.3;
}
.cw-search-list__excerpt { margin: 0; color: var(--cw-muted-strong); font-size: 0.9rem; line-height: 1.5; }

.cw-search-pagination {
    margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid var(--cw-border);
    display: flex; justify-content: center;
}
.cw-search-pagination .page-numbers {
    display: inline-block; padding: 0.45rem 0.85rem; margin: 0 0.15rem;
    border: 1px solid var(--cw-border); border-radius: var(--cw-radius-sm);
    color: var(--cw-fg); text-decoration: none; font-size: 0.92rem;
    transition: background 0.15s ease, border-color 0.15s ease;
}
.cw-search-pagination .page-numbers:hover { border-color: var(--cw-brand); background: var(--cw-brand-soft); }
.cw-search-pagination .page-numbers.current {
    background: var(--cw-brand); color: #fff; border-color: var(--cw-brand); font-weight: 600;
}

.cw-search-suggest {
    margin-top: 2rem; padding: 1rem 1.25rem;
    background: var(--cw-brand-soft); border-radius: var(--cw-radius-sm);
    font-size: 0.95rem; color: var(--cw-fg);
}
.cw-search-suggest p { margin: 0; }
.cw-search-suggest a { color: var(--cw-brand); font-weight: 600; }

@media (max-width: 640px) {
    .cw-search-head__title { font-size: 1.5rem; }
    .cw-search-refine { flex-direction: column; }
    .cw-search-refine button { width: 100%; }
    .cw-search-grid { grid-template-columns: 1fr; }
    .cw-search-card { padding: 1rem 1.1rem; }
    .cw-search-list__link { padding: 0.85rem 1rem; }
}

.cw-stack > * + * { margin-top: 2.5rem; }

/* Hero */
.cw-hero {
    padding: 2.5rem 0 3rem;
    background: linear-gradient(180deg, var(--cw-brand-soft) 0%, #fff 100%);
    border-bottom: 1px solid var(--cw-border);
    margin-bottom: 0;
}
@media (min-width: 720px) {
    .cw-hero { padding: 3rem 0 3.5rem; }
}
.cw-hero__grid {
    display: grid; gap: 2rem;
    grid-template-columns: minmax(0, 1fr);
    align-items: start;
}
@media (min-width: 1000px) {
    .cw-hero__grid { grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 3rem; }
}
.cw-hero--stage .cw-hero__title { max-width: 18ch; }

/* Utility */
.cw-visually-hidden {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* Assistant panel — inline AI router */
.cw-assistant {
    background: #fff; border: 1px solid var(--cw-border);
    border-radius: var(--cw-radius); padding: 1rem 1.1rem 1.1rem;
    box-shadow: var(--cw-shadow); margin-top: 0.4rem;
}
.cw-assistant__header {
    display: flex; align-items: center; gap: 0.6rem; margin-bottom: 0.65rem;
}
.cw-assistant__badge {
    display: inline-flex; align-items: center; gap: 0.4rem;
    font-size: 0.72rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.08em;
    color: var(--cw-accent-dark);
}
.cw-assistant__badge::before {
    content: ""; width: 6px; height: 6px; border-radius: 50%;
    background: var(--cw-accent);
}
.cw-assistant__label {
    font-family: var(--cw-font-serif); font-weight: 600;
    font-size: 1rem; color: var(--cw-fg);
}
.cw-assistant__row {
    display: flex; gap: 0.55rem; align-items: stretch; flex-wrap: wrap;
}
.cw-assistant__input {
    flex: 1 1 220px; min-width: 0;
    padding: 0.75rem 0.9rem; border: 1px solid var(--cw-border-strong);
    border-radius: var(--cw-radius-sm); font: inherit; font-size: 1rem;
    background: var(--cw-surface); color: var(--cw-fg);
    transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
}
.cw-assistant__input::placeholder { color: var(--cw-muted); }
.cw-assistant__input:focus {
    outline: 0; border-color: var(--cw-brand); background: #fff;
    box-shadow: 0 0 0 3px rgba(10, 37, 64, 0.12);
}
.cw-assistant__submit {
    padding: 0.75rem 1.1rem; background: var(--cw-brand); color: #fff;
    border: 0; border-bottom: 2px solid var(--cw-accent);
    border-radius: var(--cw-radius-sm); font: inherit; font-weight: 600;
    font-size: 0.95rem; cursor: pointer;
    display: inline-flex; align-items: center; gap: 0.4rem;
    transition: background 0.15s;
}
.cw-assistant__submit:hover { background: var(--cw-brand-dark); }
.cw-assistant__submit-arrow { font-weight: 700; }
.cw-assistant__examples {
    margin-top: 0.65rem; display: flex; gap: 0.4rem; flex-wrap: wrap;
}
.cw-assistant__example {
    font: inherit; font-size: 0.8rem;
    background: var(--cw-surface); border: 1px solid var(--cw-border);
    color: var(--cw-muted-strong);
    padding: 0.32rem 0.7rem; border-radius: 999px; cursor: pointer;
    transition: border-color 0.15s, color 0.15s, background 0.15s;
}
.cw-assistant__example:hover {
    border-color: var(--cw-brand); color: var(--cw-brand);
    background: #fff;
}
.cw-assistant__disclaimer {
    margin: 0.9rem 0 0; padding-top: 0.75rem;
    border-top: 1px solid var(--cw-border);
    font-size: 0.78rem; color: var(--cw-muted); line-height: 1.5;
}
@media (max-width: 500px) {
    .cw-assistant__submit-label { display: none; }
    .cw-assistant__submit { padding: 0.75rem 1rem; }
}

.cw-hero__browse-link {
    display: inline-block; margin-top: 1.25rem;
    color: var(--cw-brand); font-weight: 500; text-decoration: none;
    border-bottom: 1px solid var(--cw-border-strong); padding-bottom: 2px;
}
.cw-hero__browse-link:hover { border-bottom-color: var(--cw-brand); color: var(--cw-brand-dark); }

/* Stage cards — compact, right column of hero */
.cw-hero__stages {
    display: grid; gap: 0.65rem;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}
@media (min-width: 1400px) {
    .cw-hero__stages { gap: 0.75rem; }
}
.cw-stage {
    background: #fff; border: 1px solid var(--cw-border);
    border-radius: var(--cw-radius-sm);
    padding: 0.9rem 1rem 0.95rem;
    text-decoration: none; color: var(--cw-fg);
    display: flex; flex-direction: column; gap: 0.3rem;
    min-height: 110px;
    transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
}
.cw-stage:hover {
    border-color: var(--cw-brand);
    transform: translateY(-1px); box-shadow: var(--cw-shadow);
    color: var(--cw-fg);
}
.cw-stage__icon {
    width: 30px; height: 30px;
    background: var(--cw-brand); color: #fff;
    border-radius: 6px;
    display: inline-flex; align-items: center; justify-content: center;
    margin-bottom: 0.25rem;
}
.cw-stage__icon svg { width: 17px; height: 17px; display: block; }
.cw-stage__name {
    font-family: var(--cw-font-serif); font-weight: 600;
    font-size: 0.98rem; color: var(--cw-fg); line-height: 1.25;
}
.cw-stage__count {
    font-size: 0.78rem; color: var(--cw-muted);
    margin-top: auto;
}
.cw-stage__dot { color: var(--cw-border-strong); margin: 0 0.35rem; }

/* Coming-soon journey card: greyed, non-clickable, no hover transform */
.cw-stage--soon {
    opacity: 0.55;
    cursor: default;
    background: #fafbfc;
}
.cw-stage--soon:hover {
    border-color: var(--cw-border);
    transform: none;
    box-shadow: none;
}
.cw-stage--soon .cw-stage__icon {
    background: var(--cw-border-strong);
}
.cw-stage--soon .cw-stage__count {
    font-style: italic;
}

@media (max-width: 380px) {
    .cw-hero__stages { grid-template-columns: minmax(0, 1fr); }
    .cw-stage { min-height: 0; flex-direction: row; align-items: center; gap: 0.8rem; }
    .cw-stage__icon { margin-bottom: 0; flex: 0 0 auto; }
    .cw-stage__name { flex: 1; font-size: 0.95rem; }
    .cw-stage__count { flex: 0 0 auto; margin-top: 0; white-space: nowrap; }
}
.cw-hero__eyebrow {
    display: inline-block; font-size: 0.78rem; font-weight: 600;
    text-transform: uppercase; letter-spacing: 0.08em;
    color: var(--cw-brand); background: #fff;
    padding: 0.3rem 0.7rem; border-radius: 999px;
    border: 1px solid var(--cw-border); margin-bottom: 1rem;
}
.cw-hero__title {
    font-size: clamp(2rem, 3.2vw + 1rem, 3.25rem);
    max-width: 20ch; margin-bottom: 0.5em;
}
.cw-hero__lede {
    font-size: 1.18rem; color: var(--cw-muted-strong);
    max-width: 55ch; margin-bottom: 1.5rem;
}
.cw-hero__cta-row { display: flex; gap: 1rem; flex-wrap: wrap; align-items: center; }
.cw-hero__link { color: var(--cw-brand); font-weight: 500; }

/* Buttons */
.cw-btn {
    display: inline-block; background: var(--cw-brand); color: #fff;
    padding: 0.8em 1.4em; border-radius: var(--cw-radius-sm);
    text-decoration: none; font-weight: 600;
    border: 0; border-bottom: 3px solid var(--cw-accent);
    cursor: pointer; font-family: inherit; font-size: 1rem;
    transition: background 0.15s, transform 0.15s;
}
.cw-btn:hover { background: var(--cw-brand-dark); color: #fff; transform: translateY(-1px); }
.cw-btn--ghost {
    background: #fff; color: var(--cw-brand);
    border: 1px solid var(--cw-border-strong); border-bottom: 1px solid var(--cw-border-strong);
}
.cw-btn--ghost:hover { background: var(--cw-surface); color: var(--cw-brand-dark); border-color: var(--cw-brand); }

/* Trust strip */
.cw-trust-strip {
    background: #fff; border-bottom: 1px solid var(--cw-border);
    padding: 1.1rem 0;
}
.cw-trust-strip__inner {
    display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap;
    justify-content: center; font-size: 0.88rem; color: var(--cw-muted);
}
.cw-trust-strip__label {
    font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em;
    font-size: 0.76rem; color: var(--cw-muted-strong);
}
.cw-trust-strip__item {
    font-weight: 600; color: var(--cw-muted-strong);
    padding: 0.3rem 0.7rem; border: 1px solid var(--cw-border);
    border-radius: var(--cw-radius-sm); background: var(--cw-surface);
}

/* Section heads */
.cw-section-head { margin-bottom: 1.25rem; }
.cw-section-head__title { margin: 0 0 0.3rem; }
.cw-section-head__dek { color: var(--cw-muted-strong); max-width: 60ch; margin: 0; font-size: 1rem; }
.cw-section-head__row {
    display: flex; align-items: end; justify-content: space-between;
    gap: 1.5rem; flex-wrap: wrap;
}
.cw-section-head__link { font-weight: 500; white-space: nowrap; }

/* Stat strip — tangible commitments under trust strip */
.cw-stat-strip {
    background: var(--cw-brand); color: #fff; padding: 1.5rem 0;
}
.cw-stat-strip__inner {
    display: grid; gap: 1.5rem;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    align-items: center; text-align: center;
}
@media (min-width: 720px) {
    .cw-stat-strip__inner { text-align: left; }
}
.cw-stat { display: flex; flex-direction: column; gap: 0.15rem; padding: 0.25rem 0; border-left: 0; }
@media (min-width: 720px) {
    .cw-stat + .cw-stat { border-left: 1px solid rgba(255,255,255,0.15); padding-left: 1.5rem; }
}
.cw-stat__value {
    font-family: var(--cw-font-serif); font-weight: 600;
    font-size: 1.9rem; color: #fff; line-height: 1.1;
    letter-spacing: -0.01em;
}
.cw-stat__label {
    font-size: 0.82rem; color: #c5d1e4;
    letter-spacing: 0.02em;
}

/* Trust tiles — "Why trust us" band */
.cw-trust-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}
.cw-trust-tile {
    padding: 1.15rem 1.3rem 1.3rem;
    background: #fff; border: 1px solid var(--cw-border);
    border-top: 3px solid var(--cw-accent);
    border-radius: var(--cw-radius);
}
.cw-trust-tile__num {
    display: inline-block; font-family: var(--cw-font-serif);
    font-size: 0.9rem; color: var(--cw-accent-dark);
    font-weight: 700; letter-spacing: 0.1em; margin-bottom: 0.5rem;
}
.cw-trust-tile__title {
    font-family: var(--cw-font-serif); font-size: 1.15rem;
    margin: 0 0 0.5rem; color: var(--cw-fg); line-height: 1.25;
}
.cw-trust-tile__desc {
    margin: 0; color: var(--cw-muted-strong);
    font-size: 0.94rem; line-height: 1.6;
}
.cw-trust-tile__desc a { color: var(--cw-brand); font-weight: 500; }

/* Journey hubs grid (NerdWallet-style cards) */
.cw-journey-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
}
.cw-journey-card {
    display: flex; flex-direction: column; gap: 0.5rem;
    padding: 1.5rem 1.4rem;
    border: 1px solid var(--cw-border); border-radius: var(--cw-radius);
    background: #fff; text-decoration: none; color: var(--cw-fg);
    transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
    position: relative;
}
.cw-journey-card:hover {
    border-color: var(--cw-brand); transform: translateY(-2px);
    box-shadow: var(--cw-shadow); color: var(--cw-fg);
}
.cw-journey-card__icon {
    width: 44px; height: 44px; display: inline-flex; align-items: center;
    justify-content: center; background: var(--cw-brand);
    color: #fff; border-radius: 8px;
    margin-bottom: 0.6rem;
}
.cw-journey-card__icon svg { width: 24px; height: 24px; display: block; }
.cw-journey-card:hover .cw-journey-card__icon {
    background: var(--cw-brand-dark);
}
.cw-journey-card__name {
    font-family: var(--cw-font-serif); font-weight: 600; font-size: 1.15rem;
    color: var(--cw-fg); line-height: 1.3;
}
.cw-journey-card__desc { font-size: 0.92rem; color: var(--cw-muted); line-height: 1.5; margin: 0; }
.cw-journey-card__meta {
    font-size: 0.88rem; color: var(--cw-brand); font-weight: 600;
    margin-top: auto; padding-top: 0.9rem;
    display: flex; align-items: center; gap: 0.4rem;
    letter-spacing: 0.01em;
}
.cw-journey-card__arrow { color: var(--cw-accent-dark); font-weight: 700; transition: transform 0.15s; }
.cw-journey-card:hover .cw-journey-card__arrow { transform: translateX(3px); }

/* Legacy category grid */
.cw-cat-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
}
.cw-cat-card {
    display: flex; flex-direction: column; gap: 0.25rem;
    padding: 1rem 1.1rem; border: 1px solid var(--cw-border); border-radius: var(--cw-radius);
    background: var(--cw-surface); text-decoration: none; color: var(--cw-fg);
    transition: border-color 0.15s, transform 0.15s;
}
.cw-cat-card:hover { border-color: var(--cw-brand); transform: translateY(-1px); }
.cw-cat-card__name { font-weight: 600; color: var(--cw-fg); }
.cw-cat-card__count { font-size: 0.85rem; color: var(--cw-muted); }

/* Popular calcs (Ratehub-style tiles) */
.cw-popular-grid {
    display: grid; gap: 1rem;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
}
.cw-popular-tile {
    display: flex; flex-direction: column; justify-content: space-between;
    padding: 1.1rem 1.2rem; min-height: 120px;
    background: var(--cw-surface); border: 1px solid var(--cw-border);
    border-left: 3px solid var(--cw-accent);
    border-radius: var(--cw-radius-sm); text-decoration: none; color: var(--cw-fg);
    transition: background 0.15s, transform 0.15s;
}
.cw-popular-tile:hover { background: #fff; transform: translateY(-1px); border-color: var(--cw-brand); }
.cw-popular-tile__title { font-weight: 600; color: var(--cw-fg); line-height: 1.3; }
.cw-popular-tile__meta {
    display: flex; align-items: center; justify-content: space-between;
    gap: 0.8rem; margin-top: 0.9rem; font-size: 0.82rem;
}
.cw-popular-tile__updated { color: var(--cw-muted); }
.cw-popular-tile__cta { color: var(--cw-brand); font-weight: 600; }

/* Calc list (legacy) */
.cw-calc-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.5rem; }
.cw-calc-list__link {
    display: block; padding: 0.9rem 1rem; background: var(--cw-surface);
    border: 1px solid var(--cw-border); border-radius: var(--cw-radius-sm);
    text-decoration: none; color: var(--cw-fg);
}
.cw-calc-list__link:hover { border-color: var(--cw-brand); }
.cw-calc-list__title { display: block; font-weight: 600; }
.cw-calc-list__excerpt { display: block; color: var(--cw-muted); font-size: 0.9rem; margin-top: 0.25rem; }

/* Reviewer / byline block */
.cw-byline {
    display: flex; align-items: center; gap: 0.9rem; flex-wrap: wrap;
    padding: 0.9rem 1.1rem; margin: 1rem 0 1.5rem;
    background: var(--cw-surface); border: 1px solid var(--cw-border);
    border-radius: var(--cw-radius-sm); font-size: 0.9rem;
}
.cw-byline__item { display: inline-flex; align-items: center; gap: 0.35rem; color: var(--cw-muted-strong); }
.cw-byline__label { color: var(--cw-muted); font-weight: 500; }
.cw-byline__value { font-weight: 600; color: var(--cw-fg); }
.cw-byline__value a { color: var(--cw-brand); }
.cw-byline__sep { color: var(--cw-border-strong); }

/* Page hero (for /about/, /about/methodology/, /about/editorial-policy/, etc.) */
.cw-page-hero {
    padding: 2.5rem 0 2rem;
    background: linear-gradient(180deg, var(--cw-brand-soft) 0%, #fff 100%);
    border-bottom: 1px solid var(--cw-border);
}
.cw-page-hero .cw-breadcrumb ol { margin-bottom: 1.2rem; }
.cw-page-hero__eyebrow {
    display: inline-block; font-size: 0.76rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.1em;
    color: var(--cw-brand); background: #fff;
    padding: 0.3rem 0.7rem; border-radius: 999px;
    border: 1px solid var(--cw-border); margin-bottom: 0.9rem;
}
.cw-page-hero__title {
    font-size: clamp(1.9rem, 2.6vw + 1rem, 2.9rem);
    max-width: 28ch; margin-bottom: 0.5em;
}
.cw-page-hero__dek {
    font-size: 1.12rem; color: var(--cw-muted-strong);
    max-width: 62ch; margin: 0 0 1.3rem;
}

/* Byline live dot — subtle pulse to signal active maintenance */
.cw-byline__live-dot {
    display: inline-block; width: 6px; height: 6px;
    border-radius: 50%; background: var(--cw-accent);
    margin-right: 0.35rem; vertical-align: middle;
    animation: cw-live-dot 3s ease-in-out infinite;
}
@keyframes cw-live-dot {
    0%, 100% { opacity: 0.45; transform: scale(1); }
    50%      { opacity: 1;    transform: scale(1.15); }
}
@media (prefers-reduced-motion: reduce) {
    .cw-byline__live-dot { animation: none; opacity: 1; }
}

.cw-byline--page {
    background: #fff; margin: 0; padding: 0.8rem 1.1rem;
    display: inline-flex; flex-wrap: wrap;
}

/* Page layout with optional sticky TOC */
.cw-page-layout {
    padding: 3rem 0 2rem;
    display: grid; gap: 2.5rem;
    grid-template-columns: minmax(0, 1fr);
}
.cw-page-layout--with-toc { grid-template-columns: minmax(0, 1fr); }
@media (min-width: 1024px) {
    .cw-page-layout--with-toc {
        grid-template-columns: 240px minmax(0, 1fr);
        align-items: start;
    }
}

.cw-page-toc {
    background: var(--cw-surface); border: 1px solid var(--cw-border);
    border-radius: var(--cw-radius); padding: 1.1rem 1.25rem 1.25rem;
}
@media (min-width: 1024px) {
    .cw-page-toc { position: sticky; top: 88px; }
}
.cw-page-toc__title {
    font-family: var(--cw-font); font-size: 0.76rem;
    text-transform: uppercase; letter-spacing: 0.08em;
    color: var(--cw-muted-strong); margin: 0 0 0.75rem; font-weight: 700;
}
.cw-page-toc__list {
    list-style: none; padding: 0; margin: 0;
    counter-reset: toc;
}
.cw-page-toc__list li {
    counter-increment: toc; padding: 0.35rem 0;
    border-bottom: 1px solid var(--cw-border);
}
.cw-page-toc__list li:last-child { border-bottom: 0; }
.cw-page-toc__list a {
    display: flex; gap: 0.6rem; align-items: baseline;
    text-decoration: none; color: var(--cw-fg);
    font-size: 0.92rem; line-height: 1.4;
}
.cw-page-toc__list a::before {
    content: counter(toc, decimal-leading-zero);
    font-family: var(--cw-font-serif); font-weight: 600;
    color: var(--cw-accent-dark); font-size: 0.82rem;
    min-width: 1.8em;
}
.cw-page-toc__list a:hover { color: var(--cw-brand); }

.cw-page-article { min-width: 0; }
.cw-page-article .cw-article-body {
    max-width: var(--cw-max-prose);
}
.cw-page-article .cw-article-body h2 {
    scroll-margin-top: 90px;
    padding-top: 0.2em;
    border-top: 1px solid var(--cw-border);
    margin-top: 2.5em;
    padding-top: 1.5em;
}
.cw-page-article .cw-article-body h2:first-of-type {
    border-top: 0; padding-top: 0; margin-top: 1.5em;
}

/* Archive head (legacy) */
.cw-archive-head__desc { color: var(--cw-muted-strong); max-width: 65ch; font-size: 1.05rem; }

/* Archive meta row — "100 calculators · 2026 CRA · Monthly review" */
.cw-archive-meta {
    display: flex; flex-wrap: wrap; align-items: baseline;
    gap: 0.6rem 0.9rem; margin-top: 1.2rem;
    font-size: 0.9rem; color: var(--cw-muted-strong);
}
.cw-archive-meta__stat {
    display: inline-flex; align-items: baseline; gap: 0.4rem;
}
.cw-archive-meta__stat strong {
    font-family: var(--cw-font-serif); font-weight: 600;
    color: var(--cw-fg); font-size: 1.05rem;
}
.cw-archive-meta__sep { color: var(--cw-border-strong); }

/* Archive body */
.cw-archive-body { padding: 2.5rem 0 3rem; display: flex; flex-direction: column; gap: 2.5rem; }

/* Filter chip row */
.cw-archive-filter {
    display: flex; flex-wrap: wrap; gap: 0.5rem;
    padding-bottom: 0.25rem;
}
.cw-archive-filter__chip {
    display: inline-flex; align-items: center; gap: 0.45rem;
    padding: 0.45rem 0.85rem;
    background: #fff; border: 1px solid var(--cw-border-strong);
    color: var(--cw-muted-strong); text-decoration: none;
    border-radius: 999px; font-size: 0.88rem; font-weight: 500;
    transition: border-color 0.15s, color 0.15s, background 0.15s;
}
.cw-archive-filter__chip:hover {
    border-color: var(--cw-brand); color: var(--cw-brand);
}
.cw-archive-filter__chip.is-active {
    background: var(--cw-brand); border-color: var(--cw-brand); color: #fff;
}
.cw-archive-filter__chip.is-active .cw-archive-filter__count { color: #c5d1e4; }
.cw-archive-filter__count {
    font-size: 0.78rem; color: var(--cw-muted); font-weight: 600;
}

/* Section block spacing inside archive */
.cw-archive-section { display: flex; flex-direction: column; gap: 1.25rem; }

/* Category card grid — stacked layout so long names wrap cleanly */
.cw-category-grid {
    display: grid; gap: 0.8rem;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
}
.cw-category-card {
    display: flex; flex-direction: column; gap: 0.4rem;
    padding: 1.05rem 1.15rem 1rem;
    min-height: 130px;
    background: #fff; border: 1px solid var(--cw-border);
    border-radius: var(--cw-radius);
    text-decoration: none; color: var(--cw-fg);
    transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
}
.cw-category-card:hover {
    border-color: var(--cw-brand);
    transform: translateY(-1px); box-shadow: var(--cw-shadow);
    color: var(--cw-fg);
}
.cw-category-card__mark {
    display: inline-flex; align-items: center; justify-content: center;
    width: 32px; height: 32px; border-radius: 6px;
    background: var(--cw-brand); color: #fff;
    font-family: var(--cw-font-serif); font-weight: 700; font-size: 0.95rem;
    margin-bottom: 0.25rem;
}
.cw-category-card__name {
    font-family: var(--cw-font-serif); font-weight: 600;
    font-size: 1rem; color: var(--cw-fg); line-height: 1.3;
}
.cw-category-card__meta {
    display: flex; align-items: center; justify-content: space-between;
    margin-top: auto; padding-top: 0.5rem;
    font-size: 0.83rem;
}
.cw-category-card__count { color: var(--cw-muted); font-weight: 500; }
.cw-category-card__arrow {
    color: var(--cw-accent-dark); font-weight: 700;
    transition: transform 0.15s;
}
.cw-category-card:hover .cw-category-card__arrow {
    transform: translateX(3px);
}

/* Archive calc tiles add an excerpt line */
.cw-popular-tile__excerpt {
    display: block; margin-top: 0.35rem;
    font-size: 0.85rem; color: var(--cw-muted);
    line-height: 1.45;
}

/* Pagination */
.cw-archive-pagination { margin-top: 0.5rem; }
.cw-archive-pagination .page-numbers {
    display: inline-flex; align-items: center;
    min-width: 2.3rem; height: 2.3rem; padding: 0 0.7rem;
    justify-content: center;
    border: 1px solid var(--cw-border-strong);
    border-radius: var(--cw-radius-sm);
    background: #fff; color: var(--cw-muted-strong);
    text-decoration: none; font-weight: 500; font-size: 0.9rem;
    margin: 0 0.2rem 0.2rem 0;
    transition: border-color 0.15s, color 0.15s;
}
.cw-archive-pagination .page-numbers:hover {
    border-color: var(--cw-brand); color: var(--cw-brand);
}
.cw-archive-pagination .page-numbers.current {
    background: var(--cw-brand); border-color: var(--cw-brand); color: #fff;
}
.cw-archive-pagination .page-numbers.dots { border: 0; background: transparent; }

.cw-archive-empty {
    padding: 3rem 0; text-align: center; color: var(--cw-muted-strong);
}

/* Single article content */
.cw-article-body { max-width: var(--cw-max-prose); font-size: 1.05rem; line-height: 1.7; }
.cw-article-body h2 { margin-top: 2em; }
.cw-article-body h3 { margin-top: 1.5em; }
.cw-article-body ul, .cw-article-body ol { padding-left: 1.3em; }
.cw-article-body li { margin-bottom: 0.4em; }

/* Footer */
.cw-site-footer {
    background: var(--cw-brand); color: #c5d1e4;
    padding: 3rem 0 2rem; margin-top: 4rem; font-size: 0.92rem;
}
.cw-site-footer a { color: #fff; text-decoration: none; }
.cw-site-footer a:hover { color: var(--cw-accent); text-decoration: underline; }
.cw-footer__grid {
    display: grid; gap: 2rem;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    margin-bottom: 2rem;
}
.cw-footer__col-title {
    font-family: var(--cw-font); font-size: 0.78rem; font-weight: 600;
    text-transform: uppercase; letter-spacing: 0.08em; color: #fff; margin-bottom: 0.8rem;
}
.cw-footer__list { list-style: none; padding: 0; margin: 0; }
.cw-footer__list li { margin-bottom: 0.5rem; }
.cw-footer__tagline { max-width: 36ch; color: #c5d1e4; margin: 0 0 0.7rem; font-size: 0.9rem; }
.cw-footer__meta {
    margin: 0; font-size: 0.8rem; color: #9ab0cd;
    text-transform: uppercase; letter-spacing: 0.08em;
}
.cw-footer__brand-name {
    font-weight: 700; color: #fff; font-size: 1.05rem;
    display: inline-flex; align-items: baseline; gap: 0.3rem; margin-bottom: 0.6rem;
}
.cw-footer__brand-mark { color: var(--cw-accent); }
.cw-footer__bottom {
    border-top: 1px solid rgba(255,255,255,0.12); padding-top: 1.2rem;
    display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
    font-size: 0.82rem; color: #9ab0cd;
}
.cw-footer-nav__list { display: flex; gap: 1.2rem; list-style: none; padding: 0; margin: 0; flex-wrap: wrap; }
.cw-footer__copy { margin: 0; }
.cw-footer__kernel { color: #9ab0cd; }
.cw-footer__kernel a { color: #9ab0cd; }
.cw-footer__kernel a:hover { color: var(--cw-accent); }

/* Breadcrumbs */
.cw-breadcrumb ol {
    display: flex; flex-wrap: wrap; gap: 0.25rem;
    list-style: none; padding: 0; margin: 0 0 1rem;
    font-size: 0.85rem; color: var(--cw-muted);
}
.cw-breadcrumb li + li::before { content: "/"; margin-right: 0.25rem; color: var(--cw-border-strong); }
.cw-breadcrumb a { text-decoration: none; color: var(--cw-muted); }
.cw-breadcrumb a:hover { color: var(--cw-brand); }
.cw-breadcrumb [aria-current="page"] { color: var(--cw-fg); font-weight: 500; }