/* ═══════════════════════════════════════════════════════════════════
   SELL MY FEES — main.css
   Async-loaded. All below-fold and component styles.
   Above-fold critical CSS (tokens, body, h1/h2, header, hero, sections,
   buttons) lives inlined in header.php to prevent CLS.
   ═══════════════════════════════════════════════════════════════════ */

/* ─── Re-declare tokens for safety if main.css loads first (it shouldn't) ─── */
:root {
    --crimson: #98012E; --crimson-hover: #B30C3D;
    --navy: #1A2744; --navy-text: #1A2744; --navy-soft: #2C3D5E;
    --cream: #FAF7F0; --cream-deep: #F2EDE0;
    --gold: #C9A227; --gold-hover: #D4AE2F; --gold-muted: rgba(201, 162, 39, 0.25);
    --white: #FFFFFF; --silver: #6B7280; --silver-light: #9CA3AF;
    --border: #E5E1D6;
    --shadow-sm: 0 1px 2px rgba(26, 39, 68, 0.05);
    --shadow-md: 0 4px 6px rgba(26, 39, 68, 0.08);
    --shadow-lg: 0 10px 24px rgba(26, 39, 68, 0.12);
    --max-width: 1200px;
    --content-width: 760px;
}

/* ─── Typography refinements ─── */
strong, b { font-weight: 600; color: var(--navy); }
em, i { font-style: italic; }
small { font-size: 0.8125rem; color: var(--silver); }

ul, ol { padding-left: 1.5rem; margin-bottom: 1.25rem; }
li { margin-bottom: 0.5rem; }

blockquote {
    border-left: 3px solid var(--gold);
    padding: 8px 0 8px 24px;
    margin: 32px 0;
    font-family: var(--serif);
    font-size: 1.25rem;
    line-height: 1.5;
    color: var(--navy);
    font-style: italic;
}

code, pre {
    font-family: 'SFMono-Regular', Consolas, 'Liberation Mono', Menlo, monospace;
    font-size: 0.9em;
    background: var(--cream-deep);
    padding: 2px 6px;
    border-radius: 3px;
    color: var(--navy);
}
pre {
    padding: 16px 20px;
    overflow-x: auto;
    margin-bottom: 1.5rem;
}

table {
    width: 100%;
    border-collapse: collapse;
    margin: 24px 0;
    font-size: 0.9375rem;
}
table th, table td {
    border: 1px solid var(--border);
    padding: 12px 16px;
    text-align: left;
    vertical-align: top;
}
table th {
    background: var(--cream-deep);
    font-weight: 600;
    color: var(--navy);
    font-family: var(--sans);
}

/* ─── Breadcrumbs ─── */
.smf-breadcrumbs {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
    font-size: 0.8125rem;
    margin-bottom: 16px;
    color: rgba(255, 255, 255, 0.7);
}
.smf-breadcrumbs a { color: var(--gold); text-decoration: none; }
.smf-breadcrumbs a:hover { color: var(--gold-hover); }
.smf-breadcrumbs span[aria-hidden] { color: rgba(255, 255, 255, 0.4); }
.smf-hero--home .smf-breadcrumbs { color: var(--silver); }
.smf-hero--home .smf-breadcrumbs a { color: var(--crimson); }

/* ─── Hero (additional) ─── */
.smf-hero__pattern {
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 80% 20%, rgba(201, 162, 39, 0.08), transparent 40%),
        radial-gradient(circle at 20% 80%, rgba(152, 1, 46, 0.06), transparent 50%);
    pointer-events: none;
    z-index: 1;
}

/* ─── Featured image strip (between hero and content) ─── */
.smf-featured-image {
    max-width: var(--max-width);
    margin: -40px auto 0;
    padding: 0 24px;
    position: relative;
    z-index: 3;
    text-align: center;
}
.smf-featured-image img {
    width: 100%;
    height: auto;
    display: block;
    border-radius: 6px;
    box-shadow: var(--shadow-lg);
}

/* ─── Article layout (page + single) ─── */
.smf-article-layout {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 64px 24px 80px;
    display: grid;
    grid-template-columns: minmax(0, 1fr) 320px;
    gap: 64px;
    align-items: start;
}
.smf-article-main { min-width: 0; }
.smf-content { max-width: var(--content-width); }
.smf-content__inner { font-size: 1.0625rem; line-height: 1.75; }
.smf-content__inner p { margin-bottom: 1.25rem; }
.smf-content__inner h2 { margin-top: 2.5rem; }
.smf-content__inner h3 { margin-top: 2rem; }
.smf-content__inner ul, .smf-content__inner ol { margin: 16px 0 24px; }
.smf-content__inner img { border-radius: 4px; margin: 24px 0; }

@media (max-width: 960px) {
    .smf-article-layout {
        grid-template-columns: 1fr;
        gap: 40px;
        padding: 48px 24px 64px;
    }
}

/* ─── Sidebar (sticky deal-summary) ─── */
.smf-sidebar { position: relative; }
.smf-sidebar__card {
    position: sticky;
    top: 96px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 28px;
    box-shadow: var(--shadow-md);
}
.smf-sidebar__badge {
    display: inline-block;
    background: var(--gold-muted);
    color: var(--navy);
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 4px 10px;
    border-radius: 3px;
    margin-bottom: 12px;
}
.smf-sidebar__title {
    font-size: 1.25rem;
    margin-bottom: 16px;
    margin-top: 0;
}
.smf-sidebar__list {
    list-style: none;
    padding: 0;
    margin: 0 0 20px;
    border-top: 1px solid var(--border);
}
.smf-sidebar__list li {
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: 0.875rem;
    color: var(--navy-soft);
    margin: 0;
}
.smf-sidebar__list strong {
    display: inline-block;
    min-width: 36px;
    color: var(--crimson);
    font-weight: 600;
}
.smf-sidebar__cta {
    display: block;
    text-align: center;
    background: var(--crimson);
    color: var(--white);
    padding: 12px 18px;
    font-weight: 600;
    font-size: 0.9375rem;
    border-radius: 4px;
    text-decoration: none;
    transition: background 0.2s;
}
.smf-sidebar__cta:hover { background: var(--crimson-hover); color: var(--white); }
.smf-sidebar__cta-secondary {
    display: block;
    text-align: center;
    background: transparent;
    color: var(--navy);
    border: 1px solid var(--navy);
    padding: 11px 18px;
    font-weight: 600;
    font-size: 0.875rem;
    border-radius: 4px;
    text-decoration: none;
    margin-bottom: 10px;
    transition: background 0.2s, color 0.2s;
}
.smf-sidebar__cta-secondary:hover { background: var(--navy); color: var(--white); }
.smf-sidebar__note {
    margin-top: 16px;
    margin-bottom: 0;
    font-size: 0.75rem;
    color: var(--silver);
    line-height: 1.5;
    text-align: center;
}

/* ─── Credibility tiles (homepage) ─── */
.smf-tiles {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}
.smf-tile {
    background: var(--cream);
    border: 1px solid var(--border);
    border-radius: 6px;
    padding: 36px 32px;
    text-align: center;
}
.smf-tile__number {
    font-family: var(--serif);
    font-size: 3rem;
    line-height: 1;
    color: var(--crimson);
    margin-bottom: 8px;
    letter-spacing: -0.02em;
}
.smf-tile__label {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 16px;
}
.smf-tile__body {
    font-size: 0.9375rem;
    color: var(--navy-soft);
    margin: 0;
    line-height: 1.6;
}

@media (max-width: 768px) {
    .smf-tiles { grid-template-columns: 1fr; gap: 16px; }
    .smf-tile { padding: 28px 24px; }
}

/* ─── Worry cards (homepage four-worries section) ─── */
.smf-worries {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 24px;
}
.smf-worry-card {
    display: flex;
    flex-direction: column;
    background: var(--white);
    border: 1px solid var(--border);
    border-left: 4px solid var(--crimson);
    border-radius: 6px;
    padding: 28px;
    text-decoration: none;
    color: var(--navy-text);
    transition: box-shadow 0.2s, transform 0.15s;
}
.smf-worry-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); color: var(--navy-text); }
.smf-worry-card__title {
    font-family: var(--serif);
    font-size: 1.375rem;
    color: var(--navy);
    margin: 0 0 12px;
}
.smf-worry-card__body {
    font-size: 0.9375rem;
    color: var(--navy-soft);
    line-height: 1.6;
    margin: 0 0 16px;
    flex-grow: 1;
}
.smf-worry-card__more {
    color: var(--crimson);
    font-weight: 600;
    font-size: 0.875rem;
}

/* ─── Structure card grid (replaces home comparison) ─── */
.smf-structure-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
}
.smf-structure-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-top: 3px solid var(--crimson);
    border-radius: 6px;
    padding: 32px 28px;
    transition: box-shadow 0.2s, transform 0.15s;
}
.smf-structure-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}
.smf-structure-card__num {
    font-family: var(--serif);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gold);
    letter-spacing: 0.16em;
    margin-bottom: 12px;
}
.smf-structure-card__title {
    font-size: 1.25rem;
    margin-top: 0;
    margin-bottom: 14px;
    color: var(--navy);
    line-height: 1.3;
}
.smf-structure-card p {
    font-size: 0.9375rem;
    color: var(--navy-soft);
    line-height: 1.6;
    margin-bottom: 0;
}

/* ─── Comparison table (homepage) ─── */
.smf-compare-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin: 24px 0;
    font-size: 0.9375rem;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 6px;
    overflow: hidden;
}
.smf-compare-table th, .smf-compare-table td {
    padding: 14px 18px;
    text-align: left;
    vertical-align: top;
    border-bottom: 1px solid var(--border);
}
.smf-compare-table th {
    background: var(--cream-deep);
    font-weight: 600;
    color: var(--navy);
}
.smf-compare-table th:first-child { background: var(--white); }
.smf-compare-table th.smf-compare-table__us { background: var(--crimson); color: var(--white); }
.smf-compare-table tr:last-child td, .smf-compare-table tr:last-child th { border-bottom: 0; }

/* ─── Insights grid ─── */
.smf-news-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 32px;
}
.smf-news-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 6px;
    overflow: hidden;
    transition: box-shadow 0.2s, transform 0.15s;
}
.smf-news-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.smf-news-card__image-link { display: block; }
.smf-news-card__image { width: 100%; height: 200px; object-fit: cover; display: block; }
.smf-news-card__chip-link { display: block; text-decoration: none; }
.smf-news-card__chip {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
    color: var(--white);
    padding: 56px 28px 48px;
    position: relative;
    text-align: left;
    overflow: hidden;
}
.smf-news-card__chip::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 80% 20%, rgba(201, 162, 39, 0.18), transparent 45%),
        radial-gradient(circle at 20% 90%, rgba(152, 1, 46, 0.12), transparent 50%);
    pointer-events: none;
}
.smf-news-card__chip-label {
    font-size: 0.6875rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    font-weight: 600;
    color: var(--gold);
    position: relative;
    z-index: 1;
}
.smf-news-card__chip-rule {
    display: block;
    width: 32px;
    height: 1px;
    background: var(--gold);
    margin-top: 12px;
    opacity: 0.4;
}
.smf-news-card__body { padding: 24px; }
.smf-news-card__meta {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.75rem;
    color: var(--silver);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    font-weight: 500;
}
.smf-news-card__sep { color: var(--silver-light); }
.smf-news-card__date { color: inherit; }
.smf-news-card__readtime { color: inherit; }
.smf-news-card__title {
    font-size: 1.25rem;
    margin: 8px 0 12px;
    line-height: 1.3;
}
.smf-news-card__title a { color: var(--navy); }
.smf-news-card__title a:hover { color: var(--crimson); }
.smf-news-card__excerpt {
    color: var(--navy-soft);
    font-size: 0.9375rem;
    line-height: 1.6;
    margin-bottom: 16px;
}
.smf-news-card__read-more {
    color: var(--crimson);
    font-weight: 600;
    font-size: 0.875rem;
}

/* ─── Pagination ─── */
.smf-pagination {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 48px;
}
.smf-pagination .page-numbers {
    display: inline-block;
    padding: 10px 16px;
    border: 1px solid var(--border);
    background: var(--white);
    color: var(--navy);
    text-decoration: none;
    border-radius: 4px;
    font-size: 0.9375rem;
    transition: all 0.2s;
}
.smf-pagination .page-numbers:hover { border-color: var(--crimson); color: var(--crimson); }
.smf-pagination .page-numbers.current { background: var(--crimson); color: var(--white); border-color: var(--crimson); }

/* ─── FAQ accordion ─── */
.smf-faq { margin: 32px 0; }
.smf-faq__item {
    border-bottom: 1px solid var(--border);
}
.smf-faq__item:first-child { border-top: 1px solid var(--border); }
.smf-faq__question {
    width: 100%;
    background: transparent;
    border: 0;
    padding: 18px 0;
    text-align: left;
    font-family: var(--serif);
    font-size: 1.125rem;
    font-weight: 500;
    color: var(--navy);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    transition: color 0.15s;
}
.smf-faq__question:hover { color: var(--crimson); }
.smf-faq__question:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 2px;
    color: var(--crimson);
}
.smf-faq__question::after {
    content: '+';
    font-size: 1.5rem;
    line-height: 1;
    color: var(--crimson);
    font-weight: 300;
    transition: transform 0.2s;
}
.smf-faq__item--open .smf-faq__question::after {
    content: '−';
}
.smf-faq__answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}
.smf-faq__item--open .smf-faq__answer {
    max-height: 1000px;
    padding-bottom: 18px;
}
.smf-faq__answer p { margin-bottom: 1rem; }

/* ─── CTA banner (footer-side) ─── */
.smf-cta-banner {
    background: var(--navy);
    color: var(--white);
    padding: 80px 24px;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.smf-cta-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 30% 30%, rgba(201, 162, 39, 0.1), transparent 50%),
        radial-gradient(circle at 70% 70%, rgba(152, 1, 46, 0.15), transparent 50%);
    pointer-events: none;
}
.smf-cta-banner__inner {
    max-width: 720px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}
.smf-cta-banner__kicker {
    display: block;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 16px;
}
.smf-cta-banner h2 {
    color: var(--white);
    margin-top: 0;
    margin-bottom: 16px;
}
.smf-cta-banner p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.0625rem;
    margin-bottom: 32px;
    max-width: 580px;
    margin-left: auto;
    margin-right: auto;
}
.smf-cta-banner__actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ─── Footer ─── */
.smf-footer {
    background: var(--navy);
    color: rgba(255, 255, 255, 0.85);
    padding: 64px 24px 32px;
    font-size: 0.9375rem;
}
.smf-footer__inner {
    max-width: var(--max-width);
    margin: 0 auto;
}
.smf-footer__grid {
    display: grid;
    grid-template-columns: 2fr 1.2fr 1fr 1.4fr;
    gap: 48px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}
.smf-footer__heading {
    color: var(--white);
    font-family: var(--serif);
    font-size: 1.125rem;
    margin: 0 0 16px;
    font-weight: 500;
}
.smf-footer p {
    line-height: 1.6;
    margin-bottom: 12px;
}
.smf-footer a { color: rgba(255, 255, 255, 0.85); transition: color 0.2s; }
.smf-footer a:hover { color: var(--gold); }
.smf-footer__links { list-style: none; padding: 0; margin: 0; }
.smf-footer__links li { margin-bottom: 8px; }
.smf-footer__credit { font-size: 0.875rem; color: rgba(255, 255, 255, 0.65); margin-top: 16px; }
.smf-footer__pa { font-size: 0.8125rem; color: rgba(255, 255, 255, 0.6); font-style: italic; margin-top: 8px; }
.smf-footer__regulator { font-size: 0.8125rem; color: rgba(255, 255, 255, 0.6); margin-top: 16px; margin-bottom: 8px; }
.smf-footer__bodies { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 14px; font-size: 0.8125rem; }
.smf-footer__bodies li { margin: 0; position: relative; }
.smf-footer__bodies li + li::before { content: ""; position: absolute; left: -8px; top: 50%; width: 2px; height: 2px; background: rgba(255, 255, 255, 0.35); border-radius: 50%; transform: translateY(-50%); }
.smf-footer__bodies a { color: rgba(255, 255, 255, 0.75); letter-spacing: 0.04em; font-weight: 500; }
.smf-footer__bodies a:hover { color: var(--gold); }
.smf-footer__bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 24px;
    flex-wrap: wrap;
    gap: 16px;
    font-size: 0.8125rem;
    color: rgba(255, 255, 255, 0.6);
}
.smf-footer__legal { display: flex; gap: 12px; align-items: center; }
.smf-footer__legal a { font-size: 0.8125rem; }

@media (max-width: 880px) {
    .smf-footer__grid {
        grid-template-columns: 1fr 1fr;
        gap: 32px;
    }
}
@media (max-width: 560px) {
    .smf-footer__grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    .smf-footer__bottom {
        flex-direction: column;
        align-items: flex-start;
    }
}

/* ─── Section helpers ─── */
.smf-section--narrow .smf-section__inner { max-width: 760px; }
.smf-section--mid    .smf-section__inner { max-width: 960px; }

/* ─── Lead-magnet inline form (homepage section 6) ─── */
.smf-lead-magnet {
    background: var(--cream-deep);
    border: 1px solid var(--gold-muted);
    border-radius: 8px;
    padding: 40px;
    max-width: 720px;
    margin: 0 auto;
    text-align: center;
}
.smf-lead-magnet h2 { margin-top: 0; }

/* ─── Numbers strip (above-fold deal differentiator) ─── */
.smf-numbers {
    background: var(--navy);
    color: var(--white);
    padding: 56px 24px;
    position: relative;
    overflow: hidden;
}
.smf-numbers::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 85% 15%, rgba(201, 162, 39, 0.18), transparent 50%),
        radial-gradient(circle at 15% 85%, rgba(152, 1, 46, 0.12), transparent 50%);
    pointer-events: none;
}
.smf-numbers__inner {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    position: relative;
    z-index: 1;
}
.smf-num {
    text-align: center;
    padding: 16px 24px;
    border-right: 1px solid rgba(201, 162, 39, 0.2);
}
.smf-num:last-child { border-right: 0; }
.smf-num__figure {
    font-family: var(--serif);
    font-size: clamp(2.25rem, 4vw, 3rem);
    font-weight: 500;
    color: var(--gold);
    line-height: 1.1;
    margin-bottom: 12px;
    letter-spacing: -0.02em;
}
.smf-num__label {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.4;
    max-width: 240px;
    margin: 0 auto;
}
@media (max-width: 880px) {
    .smf-numbers__inner { grid-template-columns: repeat(2, 1fr); gap: 32px 0; }
    .smf-num { border-right: 0; padding: 8px 16px; }
    .smf-num:nth-child(odd) { border-right: 1px solid rgba(201, 162, 39, 0.2); }
}
@media (max-width: 480px) {
    .smf-numbers__inner { grid-template-columns: 1fr; }
    .smf-num, .smf-num:nth-child(odd) { border-right: 0; border-bottom: 1px solid rgba(201, 162, 39, 0.15); padding: 16px; }
    .smf-num:last-child { border-bottom: 0; }
}

/* ─── Worked example block (home page deal walkthrough) ─── */
.smf-worked-example {
    background: var(--white);
    border: 1px solid var(--border);
    border-left: 4px solid var(--crimson);
    border-radius: 6px;
    padding: 28px 32px;
    margin: 32px 0;
}
.smf-worked-example__title {
    font-size: 1.25rem;
    margin-top: 0;
    margin-bottom: 12px;
    color: var(--navy);
}
.smf-worked-example__list {
    list-style: none;
    padding: 0;
    margin: 20px 0 16px;
    border-top: 1px solid var(--border);
}
.smf-worked-example__list li {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    gap: 12px;
    margin: 0;
}
.smf-worked-example__when {
    flex: 1 1 auto;
    font-weight: 500;
    color: var(--navy);
}
.smf-worked-example__amount {
    font-family: var(--serif);
    font-size: 1.25rem;
    color: var(--crimson);
    font-weight: 500;
}
.smf-worked-example__note {
    flex-basis: 100%;
    font-size: 0.8125rem;
    color: var(--silver);
    text-align: right;
    margin-top: -4px;
}
.smf-worked-example__total {
    border-bottom: 0 !important;
    padding-top: 14px !important;
}
.smf-worked-example__total .smf-worked-example__when,
.smf-worked-example__total .smf-worked-example__amount {
    font-weight: 600;
    color: var(--navy);
    font-size: 1.0625rem;
}
.smf-worked-example__total .smf-worked-example__amount {
    font-size: 1.5rem;
    color: var(--navy);
}
.smf-worked-example__caveat {
    font-size: 0.8125rem;
    color: var(--silver);
    margin-top: 8px;
    margin-bottom: 0;
}

/* ─── Fit grid (what we buy, what we don't) ─── */
.smf-fit-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    max-width: 960px;
    margin: 0 auto;
}
@media (max-width: 760px) {
    .smf-fit-grid { grid-template-columns: 1fr; gap: 24px; }
}
.smf-fit-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-top: 3px solid;
    border-radius: 6px;
    padding: 28px 32px;
}
.smf-fit-card--yes { border-top-color: var(--gold); }
.smf-fit-card--no  { border-top-color: var(--crimson); }
.smf-fit-card__title {
    margin-top: 0;
    margin-bottom: 16px;
    font-size: 1.375rem;
    color: var(--navy);
}
.smf-fit-card ul {
    margin: 0;
    padding-left: 1.25rem;
    list-style: disc;
}
.smf-fit-card li {
    margin-bottom: 12px;
    line-height: 1.6;
    color: var(--navy-soft);
    font-size: 0.9375rem;
}
.smf-fit-card li:last-child { margin-bottom: 0; }

/* ─── Important notes / disclaimer block ─── */
.smf-notes {
    background: var(--cream-deep);
    border: 1px solid var(--gold-muted);
    border-left: 4px solid var(--gold);
    border-radius: 4px;
    padding: 24px 28px;
    margin: 24px 0 32px;
    font-size: 0.9375rem;
}
.smf-notes__heading {
    font-size: 1rem;
    font-family: var(--sans);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--navy);
    margin: 0 0 12px;
    line-height: 1.3;
}
.smf-notes ul { padding-left: 20px; margin: 0; }
.smf-notes li { margin-bottom: 8px; line-height: 1.6; color: var(--navy-soft); }
.smf-notes li:last-child { margin-bottom: 0; }

/* ─── Floating CTA (sticky bottom-right on long pages) ─── */
.smf-floating-cta {
    position: fixed;
    right: 20px;
    bottom: 20px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 22px;
    background: var(--crimson);
    color: var(--white);
    font-family: var(--sans);
    font-size: 0.9375rem;
    font-weight: 600;
    border-radius: 999px;
    text-decoration: none;
    box-shadow: 0 6px 20px rgba(26, 39, 68, 0.25), 0 2px 6px rgba(152, 1, 46, 0.2);
    transition: transform 0.2s, box-shadow 0.2s, background 0.2s;
    z-index: 90;
    -webkit-tap-highlight-color: transparent;
}
.smf-floating-cta:hover,
.smf-floating-cta:focus {
    background: var(--crimson-hover);
    color: var(--white);
    transform: translateY(-1px);
    box-shadow: 0 10px 28px rgba(26, 39, 68, 0.3), 0 3px 8px rgba(152, 1, 46, 0.25);
    outline: 0;
}
.smf-floating-cta:focus-visible {
    box-shadow: 0 0 0 3px var(--gold), 0 6px 20px rgba(26, 39, 68, 0.25);
}
@media (max-width: 600px) {
    .smf-floating-cta {
        right: 12px;
        bottom: 12px;
        padding: 12px 16px;
        font-size: 0.875rem;
    }
    .smf-floating-cta span {
        display: none;
    }
    .smf-floating-cta {
        padding: 14px;
        border-radius: 50%;
    }
}

/* ─── Reading-progress (single posts) ─── */
.smf-progress {
    position: fixed;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: transparent;
    z-index: 200;
}
.smf-progress__bar {
    height: 100%;
    width: 0;
    background: var(--gold);
    transition: width 0.1s linear;
}

/* ─── Forms ─── */
.smf-form { display: block; max-width: 720px; margin: 0 auto; }
.smf-form--inline { max-width: 640px; }
.smf-form__row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}
.smf-form__row--inline {
    grid-template-columns: 1fr 1.5fr;
}
@media (max-width: 600px) {
    .smf-form__row, .smf-form__row--inline { grid-template-columns: 1fr; gap: 12px; }
}
.smf-form__field { display: flex; flex-direction: column; }
.smf-form__field--full { width: 100%; margin-bottom: 16px; }
.smf-form__label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 6px;
    letter-spacing: 0.01em;
}
.smf-form input[type="text"],
.smf-form input[type="email"],
.smf-form input[type="tel"],
.smf-form select,
.smf-form textarea {
    font-family: var(--sans);
    font-size: 1rem;
    line-height: 1.5;
    padding: 10px 12px;
    border: 1px solid var(--border);
    border-radius: 4px;
    background: var(--white);
    color: var(--navy-text);
    transition: border-color 0.15s, box-shadow 0.15s;
    width: 100%;
}
.smf-form input:focus,
.smf-form select:focus,
.smf-form textarea:focus {
    outline: 0;
    border-color: var(--crimson);
    box-shadow: 0 0 0 3px rgba(152, 1, 46, 0.12);
}
.smf-form textarea { resize: vertical; min-height: 120px; }
.smf-form button[type="submit"] {
    margin-top: 8px;
    width: auto;
    border: 0;
}
.smf-form__notice {
    font-size: 0.8125rem;
    color: var(--silver);
    margin: 12px 0 16px;
    line-height: 1.5;
}
.smf-form__notice--small { font-size: 0.75rem; margin: 8px 0 0; }
.smf-form-success,
.smf-form-error {
    border: 1px solid;
    border-radius: 6px;
    padding: 20px 24px;
    margin: 0 auto 24px;
    max-width: 720px;
}
.smf-form-success {
    background: rgba(201, 162, 39, 0.08);
    border-color: var(--gold-muted);
    color: var(--navy);
}
.smf-form-success h3 { margin-top: 0; color: var(--navy); }
.smf-form-error {
    background: rgba(152, 1, 46, 0.05);
    border-color: rgba(152, 1, 46, 0.2);
    color: var(--crimson);
}

/* ─── Glossary in-content links ─── */
.smf-glossary-link {
    color: var(--navy);
    text-decoration: underline;
    text-decoration-style: dotted;
    text-decoration-color: var(--gold);
    text-decoration-thickness: 1px;
    text-underline-offset: 3px;
    transition: color 0.15s ease, text-decoration-color 0.15s ease;
}
.smf-glossary-link:hover,
.smf-glossary-link:focus-visible {
    color: var(--crimson);
    text-decoration-style: solid;
    text-decoration-color: var(--crimson);
}

/* ─── Auto-TOC (table of contents) on long articles ─── */
.smf-toc {
    background: var(--cream-deep);
    border-left: 3px solid var(--gold);
    padding: 22px 28px;
    margin: 0 0 40px;
    border-radius: 4px;
}
.smf-toc__title {
    font-family: var(--sans);
    font-weight: 600;
    color: var(--navy);
    margin: 0 0 12px;
    font-size: 0.78rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}
.smf-toc__list {
    margin: 0;
    padding-left: 22px;
    line-height: 1.85;
    font-size: 0.96rem;
}
.smf-toc__list li {
    margin: 0 0 2px;
}
.smf-toc__list a {
    color: var(--navy);
    text-decoration: none;
    border-bottom: 1px dotted var(--silver-light);
    transition: color 0.15s ease, border-bottom-color 0.15s ease;
}
.smf-toc__list a:hover,
.smf-toc__list a:focus-visible {
    color: var(--crimson);
    border-bottom-color: var(--crimson);
}
@media (max-width: 600px) {
    .smf-toc { padding: 18px 22px; margin-bottom: 32px; }
    .smf-toc__list { padding-left: 18px; line-height: 1.75; }
}