/* ═══════════════════════════════════════════════════════════
   Save Financial — California Mortgage Education
   style.css · v1.0
   ═══════════════════════════════════════════════════════════ */

/* ─── DESIGN TOKENS ──────────────────────────────────────── */
:root {
  --sf-navy: #1a2744;
  --sf-navy-light: #2a3d5c;
  --sf-teal: #2d8c8c;
  --sf-teal-light: #3aadad;
  --sf-sand: #c4a97d;
  --sf-sand-light: #d4bf9a;
  --sf-cream: #ffffff;
  --sf-cream-dark: #eef0f3;
  --sf-white: #ffffff;
  --sf-text: #2c2c2c;
  --sf-text-light: #6b6b6b;
  --sf-text-lighter: #999;
  --sf-border: #e0dbd3;
  --sf-success: #3d8b6e;
  --sf-soft: #f8fafc;
}

/* ─── RESET & BASE ───────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Source Sans 3', 'Helvetica Neue', sans-serif;
  color: var(--sf-text);
  background: var(--sf-white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4 { font-family: 'Fraunces', serif; }
a { color: var(--sf-teal); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; }

/* ─── NAVIGATION ─────────────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(254,253,251,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--sf-border);
}
.nav-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 64px;
}
.nav-brand {
  display: flex; align-items: center; gap: 12px;
  cursor: pointer; text-decoration: none;
}
.nav-brand:hover { text-decoration: none; }
.nav-logo {
  width: 36px; height: 36px; border-radius: 8px;
  background: var(--sf-navy);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.nav-logo-s {
  font-family: 'Fraunces', serif; font-size: 20px;
  font-weight: 600; color: var(--sf-sand);
}
.nav-name {
  font-family: 'Fraunces', serif; font-size: 16px;
  font-weight: 600; color: var(--sf-navy); display: block; line-height: 1.2;
}
.nav-tagline {
  font-size: 11px; color: var(--sf-text-light);
  display: block; letter-spacing: 0.03em;
}
.nav-links { display: flex; gap: 4px; align-items: center; }
.nav-link {
  background: none; border: none; padding: 6px 12px;
  font-size: 13px; font-weight: 500; color: var(--sf-text-light);
  cursor: pointer; border-radius: 6px; transition: color 0.2s, background 0.2s;
  font-family: 'Source Sans 3', sans-serif;
}
.nav-link:hover,
.nav-link.active {
  color: var(--sf-teal); background: rgba(45,140,140,0.08);
}
.nav-mobile-btn {
  display: none; background: none; border: none;
  cursor: pointer; color: var(--sf-navy); padding: 4px;
}
.mobile-menu {
  display: none; padding: 8px 24px 16px;
  flex-direction: column; gap: 2px;
}
.mobile-menu.open { display: flex; }
.mobile-menu-item {
  background: none; border: none; padding: 12px 0;
  font-size: 15px; font-weight: 500; color: var(--sf-text);
  cursor: pointer; text-align: left;
  font-family: 'Source Sans 3', sans-serif;
  border-bottom: 1px solid var(--sf-border);
}
.mobile-menu-item:last-child { border-bottom: none; }

/* ─── HERO ───────────────────────────────────────────────── */
.hero {
  position: relative; padding: 100px 24px 80px;
  background: linear-gradient(170deg, var(--sf-navy) 0%, #1e3354 40%, #1a3a5c 100%);
  overflow: hidden;
}
.hero-pattern {
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(45,140,140,0.12) 0%, transparent 50%),
    radial-gradient(circle at 80% 30%, rgba(196,169,125,0.1) 0%, transparent 40%),
    radial-gradient(circle at 60% 80%, rgba(45,140,140,0.06) 0%, transparent 30%);
}
.hero-content {
  position: relative; max-width: 720px; margin: 0 auto; text-align: center;
  opacity: 0; transform: translateY(30px);
  animation: fadeUp 0.8s cubic-bezier(0.16,1,0.3,1) 0.1s forwards;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 16px; border-radius: 40px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  color: var(--sf-sand-light); font-size: 13px; font-weight: 500;
  margin-bottom: 28px;
}
.hero h1 {
  font-size: 3rem; font-weight: 500; color: #fff;
  line-height: 1.15; margin-bottom: 20px; letter-spacing: -0.02em;
}
.hero h1 em { color: var(--sf-sand-light); font-weight: 400; }
.hero-desc {
  font-size: 17px; line-height: 1.7; color: rgba(255,255,255,0.72);
  margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto;
}
.hero-actions {
  display: flex; gap: 12px; justify-content: center;
  flex-wrap: wrap; margin-bottom: 32px;
}

/* Buttons */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; background: var(--sf-teal); color: #fff;
  border: none; border-radius: 8px; font-size: 15px; font-weight: 600;
  cursor: pointer; font-family: 'Source Sans 3', sans-serif;
  transition: background 0.2s;
}
.btn-primary:hover { background: var(--sf-teal-light); }
.btn-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.9);
  border: 1px solid rgba(255,255,255,0.18); border-radius: 8px;
  font-size: 15px; font-weight: 500; cursor: pointer;
  font-family: 'Source Sans 3', sans-serif; transition: background 0.2s;
}
.btn-secondary:hover { background: rgba(255,255,255,0.14); }
.hero-locations {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  font-size: 13px; color: rgba(255,255,255,0.45);
}

/* ─── TRUST BAR ──────────────────────────────────────────── */
.trust-bar {
  background: var(--sf-white);
  border-bottom: 1px solid var(--sf-border);
  padding: 0 24px;
}
.trust-inner {
  max-width: 900px; margin: 0 auto;
  display: flex; align-items: center; justify-content: center;
  gap: 32px; padding: 24px 0; flex-wrap: wrap;
}
.trust-item { display: flex; flex-direction: column; align-items: center; gap: 2px; }
.trust-number {
  font-family: 'Fraunces', serif; font-size: 28px;
  font-weight: 600; color: var(--sf-navy); line-height: 1.1;
}
.trust-label {
  font-size: 12px; font-weight: 500; color: var(--sf-text-light);
  letter-spacing: 0.02em;
}
.trust-divider { width: 1px; height: 40px; background: var(--sf-border); }

/* ─── SECTIONS (shared) ──────────────────────────────────── */
.section { padding: 80px 24px; }
.section--cream { background: #ffffff; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 56px; }
.eyebrow {
  display: inline-block; font-size: 12px; font-weight: 600;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--sf-teal); margin-bottom: 12px;
}
.section-title {
  font-size: 2.2rem; font-weight: 500; color: var(--sf-navy);
  line-height: 1.2; margin-bottom: 16px; letter-spacing: -0.01em;
}
.section-desc {
  font-size: 16px; line-height: 1.7; color: var(--sf-text-light);
  max-width: 640px; margin: 0 auto;
}

/* ─── TOPICS GRID (Mortgage 101) ─────────────────────────── */
.topics-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 20px;
}
.topic-card {
  padding: 28px; background: var(--sf-white);
  border: 1px solid var(--sf-border); border-radius: 12px;
  transition: box-shadow 0.3s, transform 0.3s; cursor: pointer;
  opacity: 0; animation: fadeUp 0.5s ease forwards;
}
.topic-card:nth-child(1) { animation-delay: 0s; }
.topic-card:nth-child(2) { animation-delay: 0.1s; }
.topic-card:nth-child(3) { animation-delay: 0.2s; }
.topic-card:nth-child(4) { animation-delay: 0.3s; }
.topic-card:nth-child(5) { animation-delay: 0.4s; }
.topic-card:nth-child(6) { animation-delay: 0.5s; }
.topic-card:hover { box-shadow: 0 8px 30px rgba(0,0,0,0.06); transform: translateY(-2px); }
.topic-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(45,140,140,0.08); color: var(--sf-teal);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.topic-card h3 { font-size: 18px; font-weight: 500; color: var(--sf-navy); margin-bottom: 8px; }
.topic-card p { font-size: 14px; line-height: 1.65; color: var(--sf-text-light); margin-bottom: 16px; }
.topic-link {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 13px; font-weight: 600; color: var(--sf-teal);
}

/* ─── LOANS GRID ─────────────────────────────────────────── */
.loans-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 20px;
}
.loan-card {
  background: var(--sf-white); border: 1px solid var(--sf-border);
  border-radius: 12px; overflow: hidden; transition: box-shadow 0.3s;
}
.loan-card:hover { box-shadow: 0 8px 30px rgba(0,0,0,0.06); }
.loan-card-inner { padding: 28px; }
.loan-card h3 { font-size: 19px; font-weight: 500; color: var(--sf-navy); margin-bottom: 10px; }
.loan-desc { font-size: 14px; line-height: 1.65; color: var(--sf-text-light); margin-bottom: 16px; }
.loan-features { list-style: none; padding: 0; margin: 0 0 16px; display: flex; flex-direction: column; gap: 8px; }
.loan-features li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 13px; line-height: 1.5; color: var(--sf-text);
}
.loan-features li svg { color: var(--sf-success); flex-shrink: 0; margin-top: 1px; }
.loan-best-for {
  padding: 12px 16px; background: var(--sf-soft); border-radius: 8px;
  font-size: 13px; line-height: 1.6; color: var(--sf-text-light);
}
.loan-best-for strong { color: var(--sf-navy); }

/* ─── CALIFORNIA GRID ────────────────────────────────────── */
.ca-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 20px;
}
.ca-card {
  padding: 28px; background: var(--sf-soft); border-radius: 12px;
  border: 1px solid var(--sf-border);
}
.ca-card h3 { font-size: 17px; font-weight: 500; color: var(--sf-navy); margin-bottom: 10px; }
.ca-card p { font-size: 14px; line-height: 1.7; color: var(--sf-text-light); }

/* ─── CALCULATOR ─────────────────────────────────────────── */
.calc-container {
  max-width: 600px; margin: 0 auto; background: var(--sf-white);
  border: 1px solid var(--sf-border); border-radius: 16px; padding: 32px;
}
.calc-header {
  display: flex; align-items: center; gap: 14px;
  margin-bottom: 28px; color: var(--sf-navy);
}
.calc-header h3 { font-size: 18px; font-weight: 500; color: var(--sf-navy); margin: 0; }
.calc-header p { font-size: 13px; color: var(--sf-text-light); margin: 0; }
.calc-field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.calc-label { font-size: 13px; font-weight: 600; color: var(--sf-text); letter-spacing: 0.01em; }
.calc-input-wrap {
  display: flex; align-items: center;
  border: 1px solid var(--sf-border); border-radius: 8px;
  overflow: hidden; background: var(--sf-soft);
}
.calc-prefix, .calc-suffix {
  padding: 10px 12px; font-size: 15px; color: var(--sf-text-light);
  background: #eef0f3;
}
.calc-prefix { border-right: 1px solid var(--sf-border); }
.calc-suffix { border-left: 1px solid var(--sf-border); }
.calc-input {
  flex: 1; border: none; outline: none; padding: 10px 12px;
  font-size: 16px; font-weight: 500; color: var(--sf-navy);
  background: transparent; font-family: 'Source Sans 3', sans-serif;
  min-width: 0;
}
.calc-slider {
  width: 100%; cursor: pointer;
  -webkit-appearance: none; appearance: none;
  height: 4px; border-radius: 2px;
  background: #eef0f3; outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--sf-teal); cursor: pointer;
  border: 3px solid var(--sf-white);
  box-shadow: 0 1px 4px rgba(0,0,0,0.2);
}
.calc-slider::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--sf-teal); cursor: pointer;
  border: 3px solid var(--sf-white);
}
.calc-terms { display: flex; gap: 8px; }
.calc-term-btn {
  flex: 1; padding: 10px 16px;
  border: 1px solid var(--sf-border); border-radius: 8px;
  background: var(--sf-cream); font-size: 14px; font-weight: 500;
  cursor: pointer; color: var(--sf-text-light);
  font-family: 'Source Sans 3', sans-serif; transition: all 0.2s;
}
.calc-term-btn.active { background: var(--sf-teal); color: #fff; border-color: var(--sf-teal); }
.calc-results {
  background: var(--sf-navy); border-radius: 12px;
  padding: 24px; margin: 28px 0 16px;
}
.calc-result-main {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 16px; padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.calc-result-label { font-size: 14px; color: rgba(255,255,255,0.6); }
.calc-result-value {
  font-family: 'Fraunces', serif; font-size: 32px;
  font-weight: 600; color: var(--sf-sand-light);
}
.calc-result-row { display: flex; gap: 16px; flex-wrap: wrap; }
.calc-result-item { flex: 1; min-width: 100px; display: flex; flex-direction: column; gap: 2px; }
.calc-result-sm-label {
  font-size: 11px; color: rgba(255,255,255,0.45);
  text-transform: uppercase; letter-spacing: 0.05em;
}
.calc-result-sm-value { font-size: 15px; font-weight: 600; color: rgba(255,255,255,0.85); }
.calc-disclaimer { font-size: 12px; color: var(--sf-text-lighter); line-height: 1.6; text-align: center; }

/* ─── FAQ ────────────────────────────────────────────────── */
.faq-container {
  max-width: 740px; margin: 0 auto;
  display: flex; flex-direction: column; gap: 8px;
}
.faq-item {
  background: var(--sf-cream); border-radius: 10px;
  overflow: hidden; border: 1px solid var(--sf-cream-dark);
}
.faq-question {
  display: flex; justify-content: space-between; align-items: center;
  width: 100%; padding: 18px 24px; background: none; border: none;
  font-size: 15px; font-weight: 500; color: var(--sf-navy);
  cursor: pointer; text-align: left;
  font-family: 'Source Sans 3', sans-serif; gap: 16px; line-height: 1.4;
}
.faq-question:hover { color: var(--sf-teal); }
.faq-chevron { transition: transform 0.3s ease; flex-shrink: 0; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  padding: 0 24px;
}
.faq-item.open .faq-answer { max-height: 500px; padding: 0 24px 20px; }
.faq-answer p { font-size: 14px; line-height: 1.75; color: var(--sf-text-light); }

/* ─── LOCATIONS ──────────────────────────────────────────── */
.locations-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(440px, 1fr));
  gap: 24px; margin-bottom: 40px;
}
.location-card {
  background: var(--sf-white); border: 1px solid var(--sf-border);
  border-radius: 16px; padding: 32px;
}
.location-badge {
  display: inline-block; padding: 4px 12px;
  background: rgba(45,140,140,0.08); color: var(--sf-teal);
  font-size: 12px; font-weight: 600; border-radius: 20px;
  margin-bottom: 16px; letter-spacing: 0.02em;
}
.location-card h3 { font-size: 20px; font-weight: 500; color: var(--sf-navy); margin-bottom: 12px; }
.location-card > p { font-size: 14px; line-height: 1.7; color: var(--sf-text-light); margin-bottom: 20px; }
.location-detail {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 8px; font-size: 13px; color: var(--sf-text);
}
.location-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 16px; }
.location-tag {
  padding: 4px 10px; background: var(--sf-cream); border-radius: 6px;
  font-size: 12px; color: var(--sf-text-light);
}

/* ─── SERVICE AREA ───────────────────────────────────────── */
.service-area {
  padding: 32px; background: var(--sf-white);
  border: 1px solid var(--sf-border); border-radius: 16px; text-align: center;
}
.service-area h3 { font-size: 20px; font-weight: 500; color: var(--sf-navy); margin-bottom: 12px; }
.service-area > p {
  font-size: 14px; line-height: 1.7; color: var(--sf-text-light);
  max-width: 640px; margin: 0 auto 20px;
}
.service-area-tags { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; }
.service-area-tag {
  padding: 6px 14px; background: var(--sf-soft);
  border: 1px solid var(--sf-border); border-radius: 20px;
  font-size: 13px; color: var(--sf-text); font-weight: 500;
}

/* ─── FOOTER ─────────────────────────────────────────────── */
.footer {
  background: var(--sf-navy); padding: 60px 24px 32px;
  color: rgba(255,255,255,0.65);
}
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-top {
  margin-bottom: 40px; padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.footer-logo {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
}
.footer-logo-s {
  font-family: 'Fraunces', serif; font-size: 20px;
  font-weight: 600; color: var(--sf-sand);
}
.footer-name {
  font-family: 'Fraunces', serif; font-size: 16px; font-weight: 600;
  color: rgba(255,255,255,0.9); display: block; line-height: 1.2;
}
.footer-tagline { font-size: 11px; color: rgba(255,255,255,0.4); display: block; }
.footer-desc { font-size: 14px; line-height: 1.7; max-width: 520px; color: rgba(255,255,255,0.5); }
.footer-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 32px; margin-bottom: 40px;
}
.footer-heading { font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.8); margin-bottom: 14px; }
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a {
  font-size: 13px; color: rgba(255,255,255,0.45);
  text-decoration: none; transition: color 0.2s;
}
.footer-links a:hover { color: rgba(255,255,255,0.8); text-decoration: none; }
.footer-bottom { padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.06); }
.footer-legal { font-size: 11px; line-height: 1.7; color: rgba(255,255,255,0.3); margin-bottom: 8px; }

/* ─── UTILITY ────────────────────────────────────────────── */
.icon { display: inline-flex; align-items: center; justify-content: center; }
.icon svg { width: 24px; height: 24px; }
.icon-sm svg { width: 18px; height: 18px; }
.icon-xs svg { width: 16px; height: 16px; }

/* ─── ANIMATIONS ─────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-mobile-btn { display: block; }
  .hero h1 { font-size: 2.2rem; }
  .section-title { font-size: 1.7rem; }
  .locations-grid { grid-template-columns: 1fr; }
  .trust-divider { display: none; }
  .trust-inner { gap: 24px; }
  .calc-result-main { flex-direction: column; gap: 4px; text-align: center; }
}

@media (max-width: 600px) {
  .hero { padding: 72px 20px 56px; }
  .hero h1 { font-size: 1.8rem; }
  .section { padding: 56px 20px; }
  .topics-grid,
  .loans-grid,
  .ca-grid { grid-template-columns: 1fr; }
  .hero-locations { flex-direction: column; gap: 4px; }
  .calc-container { padding: 20px; }
  .location-card { padding: 24px; }
  .trust-inner { gap: 16px; }
  .trust-number { font-size: 24px; }
}

/* ─── EXTRA LAYOUT SAFETY AFTER ASSET REFACTOR ─────────────
   These rules make the refactored external stylesheet self-contained so the
   page does not render like raw HTML if a previous build lost utility styles.
*/
html { scroll-behavior: smooth; }
button, input { font: inherit; }
.nav, .hero, .trust-bar, .section, .footer { width: 100%; }
.nav-inner, .section-inner, .footer-inner { width: min(100%, 1200px); }
.nav-links { flex-wrap: nowrap; }
@media (max-width: 1100px) {
  .nav-inner { height: auto; min-height: 64px; padding-top: 10px; padding-bottom: 10px; }
  .nav-links { flex-wrap: wrap; justify-content: flex-end; max-width: 720px; }
  .nav-link { padding: 5px 9px; font-size: 12px; }
}

/* ─── CITY MARKET SECTION ───────────────────────────────── */
.city-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 14px;
  margin-bottom: 36px;
}
.city-card {
  background: var(--sf-white);
  border: 1px solid var(--sf-border);
  border-radius: 12px;
  padding: 18px;
  box-shadow: 0 4px 18px rgba(0,0,0,0.03);
}
.city-card h3 {
  color: var(--sf-navy);
  font-size: 18px;
  font-weight: 500;
  margin-bottom: 6px;
}
.city-card p {
  color: var(--sf-text-light);
  font-size: 13px;
  line-height: 1.55;
}
.seo-content {
  background: var(--sf-white);
  border: 1px solid var(--sf-border);
  border-radius: 16px;
  padding: 36px;
  max-width: 980px;
  margin: 0 auto;
}
.seo-content h3 {
  color: var(--sf-navy);
  font-size: 28px;
  font-weight: 500;
  margin-bottom: 18px;
}
.seo-content p {
  color: var(--sf-text-light);
  font-size: 16px;
  line-height: 1.75;
  margin-bottom: 16px;
}
.seo-content p:last-child { margin-bottom: 0; }


.city-card-link { color: inherit; text-decoration: none; display: block; height: 100%; }
.city-card-link:hover { text-decoration: none; }
.city-card-link:hover .city-card { border-color: rgba(45,140,140,0.35); box-shadow: 0 8px 24px rgba(0,0,0,0.06); transform: translateY(-2px); }
.city-card { transition: box-shadow 0.2s ease, transform 0.2s ease, border-color 0.2s ease; }
.city-card .city-link { display: inline-block; margin-top: 10px; font-size: 13px; font-weight: 600; color: var(--sf-teal); }
.city-page-hero { padding: 72px 24px 56px; background: #ffffff; border-bottom: 1px solid var(--sf-border); }
.city-page-hero .section-inner { max-width: 960px; }
.city-page-hero h1 { font-size: clamp(2.2rem, 5vw, 4rem); color: var(--sf-navy); line-height: 1.08; margin: 12px 0 18px; }
.city-page-hero p { color: var(--sf-text-light); font-size: 18px; max-width: 780px; line-height: 1.75; }
.city-content { max-width: 960px; margin: 0 auto; }
.city-content-card { background: #fff; border: 1px solid var(--sf-border); border-radius: 16px; padding: 34px; margin-bottom: 22px; }
.city-content-card h2 { color: var(--sf-navy); font-size: 28px; margin-bottom: 14px; }
.city-content-card h3 { color: var(--sf-navy); font-size: 20px; margin: 22px 0 10px; }
.city-content-card p, .city-content-card li { color: var(--sf-text-light); font-size: 16px; line-height: 1.8; }
.city-content-card ul { margin-left: 20px; }
.city-cta { background: linear-gradient(170deg, var(--sf-navy) 0%, #1e3354 100%); color: white; border-radius: 18px; padding: 34px; text-align: center; }
.city-cta h2 { color: white; font-size: 30px; margin-bottom: 12px; }
.city-cta p { color: rgba(255,255,255,0.74); max-width: 700px; margin: 0 auto 20px; }

/* ─── RATE WATCH ────────────────────────────────────────── */
.rate-watch-card {
  background: linear-gradient(170deg, var(--sf-navy) 0%, #1e3354 100%);
  border-radius: 18px;
  padding: 34px;
  color: #fff;
  box-shadow: 0 12px 40px rgba(26,39,68,0.15);
}
.rate-watch-main {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.rate-watch-main > div {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 14px;
  padding: 22px;
}
.rate-label {
  display: block;
  color: rgba(255,255,255,0.65);
  font-size: 13px;
  margin-bottom: 8px;
}
.rate-watch-main strong {
  display: block;
  font-family: 'Fraunces', serif;
  font-size: 24px;
  font-weight: 500;
  line-height: 1.25;
}
.signal-up { color: #f0c36a; }
.signal-down { color: #89d6bd; }
.signal-flat { color: var(--sf-sand-light); }
.rate-watch-note {
  color: rgba(255,255,255,0.62);
  font-size: 13px;
  line-height: 1.6;
  margin-top: 18px;
}

@media (max-width: 768px) {
  .rate-watch-main { grid-template-columns: 1fr; }
  .seo-content { padding: 24px; }
  .city-grid { grid-template-columns: 1fr; }
}