/*
Theme Name: AJ Theme
Theme URI: https://annuityjournal.org
Author: AnnuityJournal
Author URI: https://annuityjournal.org
Description: A clean, modern financial media theme for AnnuityJournal.org — your trusted source for annuity research and education.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.9
Requires PHP: 8.0
License: GNU General Public License v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: aj-theme
Tags: finance, blog, news, responsive, custom-menu, featured-images
*/

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

:root {
  --navy:       #1a2332;
  --navy-light: #243044;
  --blue:       #2563eb;
  --blue-dark:  #1d4ed8;
  --blue-light: #eff6ff;
  --white:      #ffffff;
  --gray-50:    #f9fafb;
  --gray-100:   #f3f4f6;
  --gray-200:   #e5e7eb;
  --gray-400:   #9ca3af;
  --gray-600:   #4b5563;
  --gray-800:   #1f2937;
  --text:       #1f2937;
  --text-muted: #6b7280;
  --radius:     8px;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08);
  --shadow:     0 4px 12px rgba(0,0,0,.10);
  --shadow-lg:  0 8px 24px rgba(0,0,0,.12);
  --max-width:  1200px;
  --font:       -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
}

a { color: var(--blue); text-decoration: none; transition: color .2s; }
a:hover { color: var(--blue-dark); }

img { max-width: 100%; height: auto; display: block; }

ul { list-style: none; }

/* =========================================================
   LAYOUT
========================================================= */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.site-wrapper { display: flex; flex-direction: column; min-height: 100vh; }
.site-main { flex: 1; padding: 48px 0; }

/* =========================================================
   HERO
========================================================= */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 60%, #1a4080 100%);
  color: var(--white);
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-content { position: relative; max-width: 720px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(37,99,235,.3);
  border: 1px solid rgba(96,165,250,.4);
  color: #93c5fd;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 24px;
}

.hero h1 {
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.03em;
  margin-bottom: 20px;
}

.hero h1 em { font-style: normal; color: #60a5fa; }

.hero-subtitle {
  font-size: 1.125rem;
  color: #94a3b8;
  max-width: 560px;
  margin-bottom: 36px;
  line-height: 1.7;
}

.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-size: .9375rem;
  font-weight: 600;
  transition: all .2s;
  cursor: pointer;
  border: none;
}

.btn-primary { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--blue-dark); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.3);
}
.btn-outline:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: rgba(255,255,255,.5); }

.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 48px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,.1);
}

.stat-item { text-align: left; }
.stat-number { font-size: 1.75rem; font-weight: 700; color: var(--white); line-height: 1; }
.stat-label { font-size: .8125rem; color: #64748b; margin-top: 4px; }

/* =========================================================
   CATEGORY CARDS
========================================================= */
.section { padding: 72px 0; }
.section-alt { background: var(--gray-50); }

.section-header { text-align: center; margin-bottom: 48px; }

.section-eyebrow {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 700;
  color: var(--gray-800);
  letter-spacing: -.02em;
  margin-bottom: 12px;
}

.section-subtitle { font-size: 1rem; color: var(--text-muted); max-width: 560px; margin: 0 auto; }

.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 32px;
  transition: transform .25s, box-shadow .25s, border-color .25s;
  cursor: pointer;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue);
}

.card-icon {
  width: 52px;
  height: 52px;
  background: var(--blue-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.5rem;
}

.card-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 10px;
}

.card-desc { font-size: .9375rem; color: var(--text-muted); line-height: 1.65; margin-bottom: 20px; }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .875rem;
  font-weight: 600;
  color: var(--blue);
}

.card-link::after { content: '→'; transition: transform .2s; }
.card:hover .card-link::after { transform: translateX(4px); }

/* =========================================================
   CONTENT GRID (Posts)
========================================================= */
.content-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: start;
}

.post-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  overflow: hidden;
  transition: transform .25s, box-shadow .25s;
  margin-bottom: 24px;
}

.post-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }

.post-card-img { width: 100%; height: 200px; object-fit: cover; background: var(--gray-100); }

.post-card-body { padding: 24px; }

.post-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
  flex-wrap: wrap;
}

.post-category {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--blue-light);
  padding: 3px 10px;
  border-radius: 50px;
}

.post-date { font-size: .8125rem; color: var(--text-muted); }

.post-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--gray-800);
  line-height: 1.4;
  margin-bottom: 10px;
}

.post-title a { color: inherit; }
.post-title a:hover { color: var(--blue); }

.post-excerpt { font-size: .9375rem; color: var(--text-muted); line-height: 1.6; }

/* =========================================================
   SIDEBAR
========================================================= */
.sidebar { display: flex; flex-direction: column; gap: 24px; }

.widget {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 24px;
}

.widget-title {
  font-size: .875rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gray-600);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gray-100);
}

/* =========================================================
   SINGLE POST
========================================================= */
.entry-header { margin-bottom: 40px; }
.entry-title { font-size: clamp(1.5rem, 4vw, 2.5rem); font-weight: 800; line-height: 1.2; letter-spacing: -.03em; color: var(--gray-800); margin-bottom: 16px; }
.entry-meta { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; color: var(--text-muted); font-size: .875rem; }
.entry-featured-image { border-radius: 12px; overflow: hidden; margin-bottom: 40px; }
.entry-featured-image img { width: 100%; height: 400px; object-fit: cover; }

.entry-content {
  font-size: 1.0625rem;
  line-height: 1.8;
  color: var(--text);
  max-width: 720px;
}

.entry-content h2,
.entry-content h3,
.entry-content h4 {
  font-weight: 700;
  color: var(--gray-800);
  letter-spacing: -.02em;
  margin: 2em 0 .75em;
}

.entry-content h2 { font-size: 1.625rem; }
.entry-content h3 { font-size: 1.25rem; }
.entry-content p { margin-bottom: 1.5em; }
.entry-content ul, .entry-content ol { padding-left: 1.5em; margin-bottom: 1.5em; }
.entry-content li { margin-bottom: .5em; }
.entry-content blockquote {
  border-left: 4px solid var(--blue);
  padding: 16px 24px;
  margin: 2em 0;
  background: var(--blue-light);
  border-radius: 0 8px 8px 0;
  font-style: italic;
  color: var(--gray-600);
}

.entry-content table { width: 100%; border-collapse: collapse; margin-bottom: 1.5em; }
.entry-content th { background: var(--navy); color: var(--white); padding: 10px 14px; text-align: left; font-size: .875rem; }
.entry-content td { padding: 10px 14px; border-bottom: 1px solid var(--gray-200); font-size: .9375rem; }
.entry-content tr:hover td { background: var(--gray-50); }

/* =========================================================
   BREADCRUMBS
========================================================= */
.breadcrumbs {
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: 0;
  background: var(--gray-50);
}

.breadcrumbs-inner {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .8125rem;
  color: var(--text-muted);
}

.breadcrumbs-inner a { color: var(--blue); }
.breadcrumbs-inner .sep { color: var(--gray-400); }

/* =========================================================
   DISCLAIMER BANNER
========================================================= */
.disclaimer-banner {
  background: #fef3c7;
  border-top: 3px solid #f59e0b;
  padding: 14px 0;
  font-size: .8125rem;
  color: #92400e;
  text-align: center;
  line-height: 1.5;
}

/* =========================================================
   PAGINATION
========================================================= */
.pagination {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin-top: 40px;
}

.pagination a,
.pagination span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: var(--radius);
  font-size: .875rem;
  font-weight: 500;
  border: 1px solid var(--gray-200);
  color: var(--text);
  transition: all .2s;
}

.pagination a:hover { background: var(--blue); color: var(--white); border-color: var(--blue); }
.pagination .current { background: var(--blue); color: var(--white); border-color: var(--blue); }

/* =========================================================
   NO RESULTS / 404
========================================================= */
.no-results { text-align: center; padding: 80px 24px; }
.no-results h2 { font-size: 1.5rem; margin-bottom: 12px; }

/* =========================================================
   RESPONSIVE
========================================================= */
@media (max-width: 1024px) {
  .content-grid { grid-template-columns: 1fr; }
  .sidebar { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .hero { padding: 64px 0 56px; }
  .hero-stats { gap: 24px; }
  .nav-toggle { display: flex; }
  .main-navigation { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-light); padding: 16px; }
  .main-navigation.open { display: flex; }
  .main-navigation ul { flex-direction: column; width: 100%; gap: 2px; }
  .main-navigation ul li a { display: block; padding: 12px 16px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .section { padding: 48px 0; }
  .cards-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero h1 { font-size: 1.75rem; }
  .hero-actions { flex-direction: column; }
  .btn { justify-content: center; }
}


/* =========================================================
   HEADER — Bankrate-style white sticky header
========================================================= */

/* Override old navy header vars */
:root {
  --header-bg:       #ffffff;
  --header-border:   #e5e7eb;
  --nav-text:        #333333;
  --nav-hover:       #1A73E8;
  --nav-hover-bg:    #f0f7ff;
  --mega-bg:         #ffffff;
  --mega-shadow:     0 8px 32px rgba(0,0,0,.12);
  --logo-navy:       #004977;
  --logo-blue:       #1A73E8;
  --footer-bg:       #002B4A;
  --font:            'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

body { font-family: var(--font); }

/* ---- Header shell ---- */
.site-header {
  background: var(--header-bg);
  border-bottom: 1px solid var(--header-border);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: box-shadow .2s;
}
.site-header.scrolled {
  box-shadow: 0 2px 12px rgba(0,0,0,.10);
}

.header-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

.header-inner {
  display: flex;
  align-items: center;
  height: 64px;
  gap: 32px;
}

/* ---- Logo ---- */
.site-logo {
  display: flex;
  align-items: baseline;
  gap: 1px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-text {
  font-size: 1.375rem;
  font-weight: 400;
  color: var(--logo-navy);
  letter-spacing: -.02em;
}
.logo-text strong {
  font-weight: 800;
  color: var(--logo-navy);
}
.logo-dot {
  display: inline-block;
  width: 4px;
  height: 4px;
  background: var(--logo-blue);
  border-radius: 50%;
  margin: 0 1px 3px;
}
.logo-org {
  font-size: 1.375rem;
  font-weight: 400;
  color: var(--logo-blue);
  letter-spacing: -.02em;
}

/* ---- Nav list ---- */
.main-nav { flex: 1; }

.nav-list {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-item { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-size: .9rem;
  font-weight: 500;
  color: var(--nav-text);
  text-decoration: none;
  border-radius: 6px;
  transition: color .15s, background .15s;
  white-space: nowrap;
  cursor: pointer;
}
.nav-link:hover,
.nav-item.active > .nav-link {
  color: var(--nav-hover);
  background: var(--nav-hover-bg);
}
.nav-chevron {
  transition: transform .2s;
  opacity: .6;
  flex-shrink: 0;
}
.nav-item.active > .nav-link .nav-chevron,
.nav-item:hover > .nav-link .nav-chevron {
  transform: rotate(180deg);
  opacity: 1;
}

/* ---- Mega menu ---- */
.mega-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  width: 860px;
  background: var(--mega-bg);
  border: 1px solid var(--header-border);
  border-radius: 12px;
  box-shadow: var(--mega-shadow);
  z-index: 1001;
  overflow: hidden;
}
.mega-menu--narrow { width: 640px; }

/* position edge items so they don't go off-screen */
.nav-item:nth-last-child(2) .mega-menu,
.nav-item:last-child .mega-menu {
  left: auto;
  right: 0;
  transform: none;
}

.nav-item:hover .mega-menu,
.nav-item.active .mega-menu { display: block; }

.mega-menu-inner {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 200px;
  gap: 0;
  padding: 28px 0 0;
}
.mega-menu--narrow .mega-menu-inner {
  grid-template-columns: 1fr 1fr 200px;
}

.mega-col {
  padding: 0 24px 24px;
  border-right: 1px solid #f3f4f6;
}
.mega-col:last-of-type { border-right: none; }

.mega-col-label {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #9ca3af;
  margin-bottom: 12px;
}

.mega-col ul { list-style: none; margin: 0; padding: 0; }
.mega-col ul li { margin-bottom: 2px; }
.mega-col ul li a {
  display: block;
  padding: 6px 8px;
  font-size: .875rem;
  color: #374151;
  border-radius: 6px;
  text-decoration: none;
  transition: background .15s, color .15s;
}
.mega-col ul li a:hover {
  background: var(--nav-hover-bg);
  color: var(--nav-hover);
}

/* featured cards column */
.mega-featured {
  padding: 0 16px 24px;
  background: #fafafa;
  border-left: 1px solid #f3f4f6;
}

.mega-card {
  display: flex;
  gap: 10px;
  padding: 10px 8px;
  border-radius: 8px;
  text-decoration: none;
  margin-bottom: 6px;
  transition: background .15s;
}
.mega-card:hover { background: #f0f7ff; }

.mega-card-img {
  width: 52px;
  height: 40px;
  border-radius: 6px;
  flex-shrink: 0;
  background: #e5e7eb;
}

.mega-card-body { flex: 1; }

.mega-card-tag {
  display: inline-block;
  font-size: .65rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--nav-hover);
  margin-bottom: 3px;
}

.mega-card-title {
  font-size: .8rem;
  font-weight: 600;
  color: #1f2937;
  line-height: 1.35;
  margin: 0;
}

/* mega footer bar */
.mega-footer {
  padding: 12px 24px;
  background: #f9fafb;
  border-top: 1px solid #f3f4f6;
}
.mega-footer a {
  font-size: .8375rem;
  font-weight: 600;
  color: var(--nav-hover);
  text-decoration: none;
}
.mega-footer a:hover { text-decoration: underline; }

/* ---- Simple dropdown (Videos) ---- */
.simple-dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  width: 220px;
  background: var(--mega-bg);
  border: 1px solid var(--header-border);
  border-radius: 10px;
  box-shadow: var(--mega-shadow);
  z-index: 1001;
  padding: 8px;
}
.nav-item:hover .simple-dropdown,
.nav-item.active .simple-dropdown { display: block; }

.simple-dropdown ul { list-style: none; margin: 0; padding: 0; }
.simple-dropdown ul li a {
  display: block;
  padding: 8px 12px;
  font-size: .875rem;
  color: #374151;
  border-radius: 6px;
  text-decoration: none;
  transition: background .15s, color .15s;
}
.simple-dropdown ul li a:hover {
  background: var(--nav-hover-bg);
  color: var(--nav-hover);
}

/* ---- Header right: search + hamburger ---- */
.header-right {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
  flex-shrink: 0;
}

.search-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: none;
  border: none;
  border-radius: 6px;
  color: #6b7280;
  cursor: pointer;
  transition: background .15s, color .15s;
}
.search-btn:hover { background: var(--nav-hover-bg); color: var(--nav-hover); }

/* ---- Search bar ---- */
.header-search {
  display: none;
  border-top: 1px solid var(--header-border);
  background: #fff;
  padding: 12px 0;
}
.header-search.open { display: block; }

.header-search form {
  display: flex;
  align-items: center;
  gap: 8px;
}
.header-search input[type="search"] {
  flex: 1;
  height: 40px;
  border: 1.5px solid #d1d5db;
  border-radius: 8px;
  padding: 0 14px;
  font-size: .9375rem;
  font-family: var(--font);
  outline: none;
  transition: border-color .15s;
}
.header-search input[type="search"]:focus { border-color: var(--nav-hover); }
.header-search button[type="submit"] {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--nav-hover);
  color: #fff;
  border: none;
  border-radius: 8px;
  cursor: pointer;
}
.search-close {
  background: none;
  border: none;
  font-size: 1rem;
  color: #6b7280;
  cursor: pointer;
  padding: 4px 8px;
}
.search-close:hover { color: #111; }

/* ---- Overlay ---- */
.nav-overlay {
  display: none;
  position: fixed;
  inset: 64px 0 0;
  background: rgba(0,0,0,.35);
  z-index: 999;
}
.nav-overlay.active { display: block; }

/* ---- Hamburger ---- */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  border-radius: 6px;
}
.hamburger span {
  display: block;
  height: 2px;
  background: #374151;
  border-radius: 2px;
  transition: all .25s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---- Mobile menu ---- */
.mobile-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: #fff;
  border-top: 1px solid var(--header-border);
  box-shadow: 0 8px 24px rgba(0,0,0,.1);
  z-index: 1000;
}
.mobile-menu.open { display: block; }

.mobile-nav-list {
  list-style: none;
  margin: 0;
  padding: 8px;
}
.mobile-nav-list li a {
  display: block;
  padding: 12px 16px;
  font-size: 1rem;
  font-weight: 500;
  color: #1f2937;
  border-radius: 8px;
  text-decoration: none;
  transition: background .15s, color .15s;
}
.mobile-nav-list li a:hover {
  background: var(--nav-hover-bg);
  color: var(--nav-hover);
}

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .header-inner { gap: 16px; }
}

@media (max-width: 480px) {
  .header-container { padding: 0 16px; }
  .logo-text { font-size: 1.2rem; }
  .logo-org { font-size: 1.2rem; }
}

/* =========================================================
   FOOTER — #002B4A dark navy
========================================================= */
.site-footer {
  background: #002B4A;
  color: #94a3b8;
  margin-top: auto;
}

.footer-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- Top grid ---- */
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding: 56px 0 48px;
  border-bottom: 1px solid rgba(255,255,255,.07);
}

/* ---- About col ---- */
.footer-logo {
  display: inline-flex;
  align-items: baseline;
  gap: 1px;
  text-decoration: none;
  margin-bottom: 14px;
}
.footer-logo-text {
  font-size: 1.25rem;
  font-weight: 400;
  color: #fff;
  letter-spacing: -.02em;
  font-family: var(--font);
}
.footer-logo-text strong { font-weight: 800; color: #fff; }
.footer-logo-dot {
  display: inline-block;
  width: 4px;
  height: 4px;
  background: #1A73E8;
  border-radius: 50%;
  margin: 0 1px 3px;
}
.footer-logo-org {
  font-size: 1.25rem;
  font-weight: 400;
  color: #1A73E8;
  letter-spacing: -.02em;
}

.footer-about {
  font-size: .875rem;
  line-height: 1.7;
  color: #94a3b8;
  margin: 0 0 18px;
  max-width: 280px;
}

.footer-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.trust-badge {
  font-size: .7rem;
  font-weight: 600;
  color: #38bdf8;
  background: rgba(56,189,248,.1);
  border: 1px solid rgba(56,189,248,.2);
  padding: 3px 10px;
  border-radius: 20px;
  letter-spacing: .03em;
}

/* ---- Col titles ---- */
.footer-col-title {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #cbd5e1;
  margin: 0 0 16px;
}

/* ---- Links ---- */
.footer-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.footer-links li a {
  font-size: .875rem;
  color: #94a3b8;
  text-decoration: none;
  transition: color .15s;
  line-height: 1.8;
}
.footer-links li a:hover { color: #fff; }

/* ---- Newsletter ---- */
.footer-newsletter { margin-top: 24px; }
.footer-newsletter-label {
  font-size: .75rem;
  font-weight: 600;
  color: #94a3b8;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 8px;
}
.footer-email-form {
  display: flex;
  gap: 4px;
}
.footer-email-form input[type="email"] {
  flex: 1;
  height: 36px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 6px;
  padding: 0 12px;
  font-size: .8125rem;
  color: #fff;
  font-family: var(--font);
  outline: none;
  transition: border-color .15s;
  min-width: 0;
}
.footer-email-form input[type="email"]::placeholder { color: #475569; }
.footer-email-form input[type="email"]:focus { border-color: #1A73E8; }
.footer-email-form button {
  height: 36px;
  padding: 0 14px;
  background: #1A73E8;
  color: #fff;
  border: none;
  border-radius: 6px;
  font-size: .8125rem;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--font);
  transition: background .15s;
  white-space: nowrap;
}
.footer-email-form button:hover { background: #1557b0; }

/* ---- Disclosure ---- */
.footer-disclosure {
  padding: 20px 0;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.footer-disclosure p {
  font-size: .775rem;
  color: #64748b;
  line-height: 1.65;
}
.footer-disclosure strong { color: #94a3b8; }

/* ---- Bottom bar ---- */
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
  gap: 12px;
  flex-wrap: wrap;
}
.footer-copyright {
  font-size: .8rem;
  color: #64748b;
  margin: 0;
}
.footer-bottom-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-bottom-links a {
  font-size: .8rem;
  color: #64748b;
  text-decoration: none;
  transition: color .15s;
}
.footer-bottom-links a:hover { color: #94a3b8; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-col--about { grid-column: 1 / -1; }
  .footer-about { max-width: 100%; }
}
@media (max-width: 600px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 28px 24px; padding: 40px 0 32px; }
  .footer-col--about { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 8px; }
  .footer-bottom-links { gap: 12px; }
}
@media (max-width: 400px) {
  .footer-top { grid-template-columns: 1fr; }
}

/* =========================================================
   HOMEPAGE — Bankrate-style layout
========================================================= */

.hp-section-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- Hero ---- */
.hp-hero {
  background: linear-gradient(135deg, #003a5c 0%, #004977 50%, #005d96 100%);
  color: #fff;
  padding: 72px 0 56px;
  position: relative;
  overflow: hidden;
}
.hp-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M0 0h40v40H0V0zm40 40h40v40H40V40z'/%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hp-hero__container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
}
.hp-hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .775rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #7dd3fc;
  background: rgba(125,211,252,.1);
  border: 1px solid rgba(125,211,252,.25);
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 20px;
}
.hp-hero__badge-dot {
  display: inline-block;
  width: 6px;
  height: 6px;
  background: #22c55e;
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%,100% { opacity: 1; }
  50% { opacity: .4; }
}
.hp-hero__h1 {
  font-size: clamp(1.9rem, 4.5vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.03em;
  margin-bottom: 18px;
  color: #fff;
}
.hp-hero__accent { color: #7dd3fc; }
.hp-hero__sub {
  font-size: 1.0625rem;
  color: #94a3b8;
  max-width: 580px;
  line-height: 1.7;
  margin-bottom: 32px;
}
.hp-hero__actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 48px; }
.hp-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: 8px;
  font-size: .9375rem;
  font-weight: 600;
  font-family: var(--font);
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: all .18s;
}
.hp-btn--primary { background: #1A73E8; color: #fff; }
.hp-btn--primary:hover { background: #1557b0; color: #fff; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(26,115,232,.4); }
.hp-btn--outline { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.35); }
.hp-btn--outline:hover { background: rgba(255,255,255,.1); color: #fff; border-color: rgba(255,255,255,.6); }

.hp-hero__stats {
  display: flex;
  gap: 0;
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 32px;
  flex-wrap: wrap;
}
.hp-stat {
  flex: 1;
  min-width: 120px;
  padding-right: 32px;
}
.hp-stat__num {
  display: block;
  font-size: 1.75rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
  letter-spacing: -.03em;
}
.hp-stat__label {
  display: block;
  font-size: .8rem;
  color: #64748b;
  margin-top: 4px;
}

/* ---- Shared section elements ---- */
.hp-eyebrow {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #1A73E8;
  margin-bottom: 6px;
}
.hp-section-title {
  font-size: clamp(1.35rem, 2.5vw, 1.875rem);
  font-weight: 700;
  color: #111827;
  letter-spacing: -.025em;
  margin: 0;
}
.hp-section-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 28px;
  flex-wrap: wrap;
  gap: 12px;
}
.hp-section-header > div { display: flex; flex-direction: column; }
.hp-link-more {
  font-size: .875rem;
  font-weight: 600;
  color: #1A73E8;
  text-decoration: none;
  white-space: nowrap;
  padding-bottom: 4px;
}
.hp-link-more:hover { text-decoration: underline; }

/* ---- Rate Snapshot ---- */
.hp-rates {
  background: #f8fafc;
  border-top: 1px solid #e5e7eb;
  border-bottom: 1px solid #e5e7eb;
  padding: 52px 0;
}
.hp-rates__header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 28px;
  flex-wrap: wrap;
  gap: 12px;
}
.hp-rates__header > div { display: flex; flex-direction: column; }
.hp-rates__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.hp-rate-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 24px 20px 20px;
  position: relative;
  transition: box-shadow .2s, transform .2s;
}
.hp-rate-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.09); transform: translateY(-2px); }
.hp-rate-card--featured {
  border-color: #1A73E8;
  box-shadow: 0 0 0 1px #1A73E8;
}
.hp-rate-card__badge {
  position: absolute;
  top: -10px;
  left: 50%;
  transform: translateX(-50%);
  background: #1A73E8;
  color: #fff;
  font-size: .65rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 3px 12px;
  border-radius: 20px;
  white-space: nowrap;
}
.hp-rate-card__term {
  font-size: .8rem;
  font-weight: 600;
  color: #6b7280;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 10px;
}
.hp-rate-card__rate {
  font-size: 2.5rem;
  font-weight: 800;
  color: #111827;
  letter-spacing: -.04em;
  line-height: 1;
  margin-bottom: 6px;
}
.hp-rate-card__rate span {
  font-size: 1.25rem;
  font-weight: 600;
  color: #374151;
}
.hp-rate-card__carrier {
  font-size: .8125rem;
  font-weight: 600;
  color: #1A73E8;
  margin-bottom: 4px;
}
.hp-rate-card__meta {
  font-size: .775rem;
  color: #9ca3af;
  margin-bottom: 16px;
}
.hp-rate-card__link {
  display: block;
  font-size: .8375rem;
  font-weight: 600;
  color: #1A73E8;
  text-decoration: none;
  border-top: 1px solid #f3f4f6;
  padding-top: 12px;
}
.hp-rate-card__link:hover { text-decoration: underline; }
.hp-rates__disclaimer {
  margin-top: 16px;
  font-size: .775rem;
  color: #9ca3af;
  text-align: center;
}
.hp-rates__disclaimer a { color: #1A73E8; }

/* ---- Featured Articles ---- */
.hp-articles { padding: 60px 0; }
.hp-articles__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.hp-article-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  overflow: hidden;
  transition: box-shadow .2s, transform .2s;
}
.hp-article-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.09); transform: translateY(-2px); }
.hp-article-card__img-wrap { display: block; }
.hp-article-card__img {
  width: 100%;
  height: 192px;
  object-fit: cover;
  display: block;
}
.hp-article-card__img--placeholder {
  background: #f0f4ff;
  height: 192px;
}
.hp-article-card__body { padding: 20px; }
.hp-article-card__meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}
.hp-article-card__cat {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: #1A73E8;
  background: #eff6ff;
  padding: 2px 8px;
  border-radius: 20px;
}
.hp-article-card__date { font-size: .8rem; color: #9ca3af; }
.hp-article-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: #111827;
  line-height: 1.4;
  margin: 0 0 8px;
}
.hp-article-card__title a { color: inherit; text-decoration: none; }
.hp-article-card__title a:hover { color: #1A73E8; }
.hp-article-card__excerpt { font-size: .875rem; color: #6b7280; line-height: 1.6; margin: 0; }

/* ---- Newsroom ---- */
.hp-newsroom {
  background: #f8fafc;
  border-top: 1px solid #e5e7eb;
  border-bottom: 1px solid #e5e7eb;
  padding: 52px 0;
}
.hp-newsroom__list {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.hp-news-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  text-decoration: none;
  transition: background .15s, border-color .15s;
  cursor: pointer;
}
.hp-news-item:hover { background: #eff6ff; border-color: #bfdbfe; }
.hp-news-item__meta {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
  min-width: 110px;
}
.hp-news-item__cat {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: #1A73E8;
  background: #eff6ff;
  padding: 2px 8px;
  border-radius: 20px;
}
.hp-news-item__date { font-size: .8rem; color: #9ca3af; }
.hp-news-item__title {
  flex: 1;
  font-size: .9375rem;
  font-weight: 600;
  color: #1f2937;
  margin: 0;
  line-height: 1.4;
}
.hp-news-item__arrow {
  font-size: 1rem;
  color: #d1d5db;
  flex-shrink: 0;
  transition: color .15s, transform .15s;
}
.hp-news-item:hover .hp-news-item__arrow { color: #1A73E8; transform: translateX(3px); }

/* ---- Trust Indicators ---- */
.hp-trust {
  padding: 60px 0;
}
.hp-trust__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.hp-trust__item { text-align: center; }
.hp-trust__icon {
  width: 56px;
  height: 56px;
  background: #eff6ff;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.hp-trust__title {
  font-size: 1rem;
  font-weight: 700;
  color: #111827;
  margin-bottom: 8px;
}
.hp-trust__desc {
  font-size: .875rem;
  color: #6b7280;
  line-height: 1.65;
}

/* ---- Newsletter ---- */
.hp-newsletter {
  background: #004977;
  padding: 52px 0;
}
.hp-newsletter__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.hp-newsletter__title {
  font-size: 1.375rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 6px;
  letter-spacing: -.02em;
}
.hp-newsletter__sub {
  font-size: .875rem;
  color: #94a3b8;
  line-height: 1.6;
  max-width: 480px;
  margin: 0;
}
.hp-newsletter__form {
  display: flex;
  gap: 8px;
  flex-shrink: 0;
}
.hp-newsletter__form input[type="email"] {
  width: 280px;
  height: 46px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 8px;
  padding: 0 16px;
  font-size: .9375rem;
  color: #fff;
  font-family: var(--font);
  outline: none;
  transition: border-color .15s;
}
.hp-newsletter__form input[type="email"]::placeholder { color: #64748b; }
.hp-newsletter__form input[type="email"]:focus { border-color: #7dd3fc; }
.hp-newsletter__form button {
  height: 46px;
  padding: 0 24px;
  background: #1A73E8;
  color: #fff;
  border: none;
  border-radius: 8px;
  font-size: .9375rem;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--font);
  transition: background .15s;
  white-space: nowrap;
}
.hp-newsletter__form button:hover { background: #1557b0; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .hp-rates__grid { grid-template-columns: repeat(2, 1fr); }
  .hp-articles__grid { grid-template-columns: repeat(2, 1fr); }
  .hp-trust__grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
}
@media (max-width: 768px) {
  .hp-hero { padding: 48px 0 40px; }
  .hp-hero__stats { gap: 0; }
  .hp-stat { min-width: 50%; padding-bottom: 20px; }
  .hp-articles__grid { grid-template-columns: 1fr; }
  .hp-newsletter__inner { flex-direction: column; }
  .hp-newsletter__form { flex-direction: column; width: 100%; }
  .hp-newsletter__form input[type="email"] { width: 100%; }
  .hp-newsletter__form button { width: 100%; }
  .hp-news-item { flex-wrap: wrap; }
  .hp-news-item__arrow { display: none; }
}
@media (max-width: 600px) {
  .hp-rates__grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .hp-trust__grid { grid-template-columns: 1fr 1fr; }
  .hp-section-header { flex-direction: column; align-items: flex-start; }
  .hp-rates__header { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 400px) {
  .hp-rates__grid { grid-template-columns: 1fr; }
}

/* =========================================================
   SINGLE ARTICLE PAGE
========================================================= */

/* Breadcrumbs */
.aj-breadcrumbs {
  background: #f8fafc;
  border-bottom: 1px solid #e5e7eb;
  padding: 10px 0;
}
.aj-breadcrumbs__inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .8125rem;
  flex-wrap: wrap;
}
.aj-breadcrumbs__inner a { color: #1A73E8; text-decoration: none; }
.aj-breadcrumbs__inner a:hover { text-decoration: underline; }
.aj-breadcrumbs__sep { color: #d1d5db; }
.aj-breadcrumbs__current { color: #6b7280; }

/* Page layout */
.aj-single { padding: 40px 0 64px; }
.aj-single__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.aj-single__layout {
  display: grid;
  grid-template-columns: minmax(0,1fr) 300px;
  gap: 48px;
  align-items: start;
}

/* ---- Article ---- */
.aj-article__cat {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #1A73E8;
  background: #eff6ff;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 14px;
}

.aj-article__title {
  font-size: clamp(1.6rem, 3.5vw, 2.375rem);
  font-weight: 800;
  color: #111827;
  line-height: 1.2;
  letter-spacing: -.03em;
  margin-bottom: 20px;
}

/* Author bar */
.aj-author-bar {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 0;
  border-top: 1px solid #f3f4f6;
  border-bottom: 1px solid #f3f4f6;
  margin-bottom: 28px;
}
.aj-author-bar__avatar { flex-shrink: 0; }
.aj-author-bar__img {
  width: 40px !important;
  height: 40px !important;
  border-radius: 50% !important;
  object-fit: cover;
}
.aj-author-bar__info { flex: 1; min-width: 0; }
.aj-author-bar__byline {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px;
  font-size: .8125rem;
  margin-bottom: 5px;
}
.aj-author-bar__label { color: #9ca3af; }
.aj-author-bar__name { font-weight: 600; color: #1f2937; }
.aj-author-bar__name a { color: inherit; text-decoration: none; }
.aj-author-bar__name a:hover { color: #1A73E8; }
.aj-author-bar__divider { color: #d1d5db; margin: 0 2px; }
.aj-author-bar__dates {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px;
  font-size: .8rem;
  color: #6b7280;
}
.aj-author-bar__updated {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: #059669;
  font-weight: 500;
}

/* Hero image */
.aj-article__hero-img {
  margin-bottom: 28px;
  border-radius: 10px;
  overflow: hidden;
}
.aj-article__hero-img img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  display: block;
}

/* Disclosure */
.aj-disclosure {
  background: #EBF5FF;
  border: 1px solid #bfdbfe;
  border-left: 4px solid #1A73E8;
  border-radius: 8px;
  padding: 16px 20px;
  font-size: .8125rem;
  color: #374151;
  line-height: 1.65;
  margin-bottom: 36px;
}
.aj-disclosure strong { color: #374151; }

/* Article body */
.aj-article__content {
  container-type: inline-size;
  font-size: 1.0625rem;
  line-height: 1.7;
  color: #1f2937;
}
.aj-article__content h2 {
  font-size: 1.75rem;
  font-weight: 700;
  color: #111827;
  letter-spacing: -.025em;
  margin: 0 0 .75em;
  margin-top: 40px;
  padding-top: 24px;
  border-top: 2px solid #f3f4f6;
}
.aj-article__content h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: #111827;
  letter-spacing: -.02em;
  margin: 1.75em 0 .6em;
}
.aj-article__content h4 {
  font-size: 1.05rem;
  font-weight: 700;
  margin: 1.5em 0 .5em;
}
.aj-article__content p { margin-bottom: 1.25em; }
.aj-article__content ul,
.aj-article__content ol { padding-left: 1.5em; margin-bottom: 1.5em; }
.aj-article__content li { margin-bottom: .5em; }
.aj-article__content a { color: #1A73E8; }
.aj-article__content a:hover { text-decoration: underline; }
.aj-article__content blockquote {
  border-left: 4px solid #1A73E8;
  background: #eff6ff;
  padding: 16px 20px;
  border-radius: 0 8px 8px 0;
  margin: 2em 0;
  font-style: italic;
  color: #374151;
}
.aj-article__content table { width: 100%; border-collapse: collapse; margin: 1.5em 0; font-size: .9375rem; }
.aj-article__content th { background: #004977; color: #fff; padding: 10px 14px; text-align: left; font-size: .875rem; font-weight: 600; }
.aj-article__content td { padding: 10px 14px; border-bottom: 1px solid #e5e7eb; }
.aj-article__content tr:nth-child(even) td { background: #f9fafb; }
.aj-article__content tr:hover td { background: #eff6ff; }
.aj-article__content img { border-radius: 8px; margin: 1em 0; }

/* Tags */
.aj-article__tags {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid #e5e7eb;
}
.aj-article__tags-label { font-size: .875rem; font-weight: 600; color: #6b7280; }
.aj-tag {
  font-size: .8rem;
  color: #374151;
  background: #f3f4f6;
  border: 1px solid #e5e7eb;
  padding: 4px 12px;
  border-radius: 20px;
  text-decoration: none;
  transition: background .15s, color .15s;
}
.aj-tag:hover { background: #eff6ff; color: #1A73E8; border-color: #bfdbfe; }

/* Post nav */
.aj-post-nav {
  display: flex;
  gap: 24px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid #e5e7eb;
}
.aj-post-nav__prev,
.aj-post-nav__next { flex: 1; }
.aj-post-nav__next { text-align: right; }
.aj-post-nav__label {
  display: block;
  font-size: .75rem;
  color: #9ca3af;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 4px;
}
.aj-post-nav__title a {
  font-size: .9375rem;
  font-weight: 600;
  color: #1f2937;
  text-decoration: none;
}
.aj-post-nav__title a:hover { color: #1A73E8; }

/* ---- Sidebar ---- */
.aj-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.aj-widget {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  padding: 20px;
}
.aj-widget__title {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #9ca3af;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid #f3f4f6;
}

/* TOC */
.aj-toc__list { display: flex; flex-direction: column; gap: 2px; }
.aj-toc__empty { font-size: .875rem; color: #9ca3af; margin: 0; }
.aj-toc__item {
  display: block;
  font-size: .875rem;
  color: #374151;
  padding: 5px 8px;
  border-radius: 6px;
  text-decoration: none;
  transition: background .15s, color .15s;
  line-height: 1.4;
}
.aj-toc__item:hover,
.aj-toc__item.active {
  background: #eff6ff;
  color: #1A73E8;
}
.aj-toc__item--h3 { padding-left: 20px; font-size: .8125rem; color: #6b7280; }

/* Rate CTA widget */
.aj-widget--cta {
  background: linear-gradient(135deg, #004977 0%, #005d96 100%) !important;
  border: none;
  text-align: center;
}
.aj-widget--cta__eyebrow {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #7dd3fc;
  margin-bottom: 8px;
}
.aj-widget--cta__rate {
  font-size: 2.5rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -.04em;
  line-height: 1;
  margin-bottom: 4px;
}
.aj-widget--cta__label {
  font-size: .8rem;
  color: #94a3b8;
  margin-bottom: 16px;
}
.aj-widget--cta__btn {
  display: block;
  background: #1A73E8;
  color: #fff;
  font-size: .875rem;
  font-weight: 600;
  padding: 10px 16px;
  border-radius: 8px;
  text-decoration: none;
  transition: background .15s;
}
.aj-widget--cta__btn:hover { background: #1557b0; color: #fff; }

/* Related items */
.aj-related-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 8px 0;
  border-bottom: 1px solid #f3f4f6;
  text-decoration: none;
  transition: background .15s;
  border-radius: 6px;
}
.aj-related-item:last-child { border-bottom: none; }
.aj-related-item:hover .aj-related-item__title { color: #1A73E8; }
.aj-related-item__img {
  width: 52px !important;
  height: 40px !important;
  object-fit: cover;
  border-radius: 6px;
  flex-shrink: 0;
}
.aj-related-item__img--placeholder {
  background: #f0f4ff;
  width: 52px;
  height: 40px;
  border-radius: 6px;
  flex-shrink: 0;
}
.aj-related-item__title {
  font-size: .8125rem;
  font-weight: 600;
  color: #1f2937;
  line-height: 1.4;
  transition: color .15s;
}

/* Widget links */
.aj-widget__links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.aj-widget__links li a {
  display: block;
  font-size: .875rem;
  color: #374151;
  padding: 6px 8px;
  border-radius: 6px;
  text-decoration: none;
  transition: background .15s, color .15s;
}
.aj-widget__links li a::before { content: '→ '; color: #d1d5db; font-size: .75rem; }
.aj-widget__links li a:hover { background: #eff6ff; color: #1A73E8; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .aj-single__layout { grid-template-columns: 1fr; }
  .aj-sidebar { position: static; max-height: none; overflow: visible; }
  .aj-article__hero-img img { height: 280px; }
}
@media (max-width: 640px) {
  .aj-single { padding: 24px 0 48px; }
  .aj-article__title { font-size: 1.625rem; }
  .aj-author-bar { flex-direction: column; gap: 8px; }
  .aj-author-bar__byline { flex-direction: column; align-items: flex-start; gap: 2px; }
  .aj-author-bar__divider { display: none; }
  .aj-article__hero-img img { height: 200px; }
  .aj-post-nav { flex-direction: column; gap: 16px; }
  .aj-post-nav__next { text-align: left; }
}

/* =========================================================
   ARCHIVE / CATEGORY / SEARCH PAGES
========================================================= */

/* Archive page header */
.aj-archive-header {
  background: #f8fafc;
  border-bottom: 1px solid #e5e7eb;
  padding: 32px 0;
}
.aj-archive-header__container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}
.aj-archive-header__inner {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.aj-archive-header__title {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: #111827;
  letter-spacing: -.03em;
  margin: 6px 0 0;
}
.aj-archive-header__title em { font-style: normal; color: #1A73E8; }
.aj-archive-header__desc {
  font-size: .9375rem;
  color: #6b7280;
  margin: 8px 0 0;
  max-width: 640px;
}
.aj-archive-header__count {
  font-size: .875rem;
  color: #9ca3af;
  white-space: nowrap;
  padding-bottom: 4px;
}

/* Archive main */
.aj-archive { padding: 40px 0 72px; }
.aj-archive__container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Cards grid — 3 columns */
.aj-archive__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

/* Archive card */
.aj-archive-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow .2s, transform .2s;
}
.aj-archive-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.09); transform: translateY(-2px); }
.aj-archive-card__img-wrap { display: block; overflow: hidden; }
.aj-archive-card__img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
  transition: transform .3s;
}
.aj-archive-card:hover .aj-archive-card__img { transform: scale(1.03); }
.aj-archive-card__img--placeholder {
  width: 100%;
  height: 200px;
  background: linear-gradient(135deg, #eff6ff 0%, #e0e7ff 100%);
  display: block;
}
.aj-archive-card__body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.aj-archive-card__meta {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.aj-archive-card__cat {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: #1A73E8;
  background: #eff6ff;
  padding: 2px 8px;
  border-radius: 20px;
}
.aj-archive-card__date,
.aj-archive-card__read { font-size: .8rem; color: #9ca3af; }
.aj-archive-card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: #111827;
  line-height: 1.4;
  margin: 0;
}
.aj-archive-card__title a { color: inherit; text-decoration: none; }
.aj-archive-card__title a:hover { color: #1A73E8; }
.aj-archive-card__excerpt {
  font-size: .875rem;
  color: #6b7280;
  line-height: 1.6;
  flex: 1;
  margin: 0;
}
.aj-archive-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  border-top: 1px solid #f3f4f6;
  margin-top: auto;
}
.aj-archive-card__author {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .8125rem;
  color: #6b7280;
}
.aj-archive-card__avatar {
  width: 20px !important;
  height: 20px !important;
  border-radius: 50% !important;
  object-fit: cover;
}
.aj-archive-card__link {
  font-size: .8125rem;
  font-weight: 600;
  color: #1A73E8;
  text-decoration: none;
  white-space: nowrap;
}
.aj-archive-card__link:hover { text-decoration: underline; }

/* Pagination */
.aj-pagination {
  display: flex;
  justify-content: center;
  margin-top: 0;
}
.aj-pagination .page-numbers {
  display: flex;
  gap: 6px;
  list-style: none;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
  justify-content: center;
}
.aj-pagination .page-numbers li a,
.aj-pagination .page-numbers li span {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 38px;
  height: 38px;
  padding: 0 10px;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  font-size: .875rem;
  font-weight: 500;
  color: #374151;
  text-decoration: none;
  transition: all .15s;
}
.aj-pagination .page-numbers li a:hover { background: #eff6ff; border-color: #bfdbfe; color: #1A73E8; }
.aj-pagination .page-numbers li span.current { background: #1A73E8; border-color: #1A73E8; color: #fff; }
.aj-pagination .page-numbers li span.dots { border: none; color: #9ca3af; }

/* No results */
.aj-no-results {
  text-align: center;
  padding: 80px 24px;
}
.aj-no-results__icon {
  width: 80px;
  height: 80px;
  background: #f3f4f6;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}
.aj-no-results__title {
  font-size: 1.5rem;
  font-weight: 700;
  color: #111827;
  margin-bottom: 10px;
}
.aj-no-results__desc {
  font-size: 1rem;
  color: #6b7280;
  margin-bottom: 28px;
}
.aj-no-results__links {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Responsive */
@media (max-width: 1024px) {
  .aj-archive__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .aj-archive__grid { grid-template-columns: 1fr; }
  .aj-archive-header { padding: 24px 0; }
  .aj-archive { padding: 24px 0 48px; }
}

/* =========================================================
   PAGE TEMPLATES
========================================================= */

.aj-page { padding: 0 0 72px; }

.aj-page__container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Shared content styles */
.aj-page__content {
  font-size: 1.0625rem;
  line-height: 1.8;
  color: #1f2937;
  max-width: 760px;
}
.aj-page__content--wide { max-width: 100%; }

.aj-page__content h2 {
  font-size: 1.5rem;
  font-weight: 700;
  color: #111827;
  letter-spacing: -.025em;
  margin: 2em 0 .75em;
  padding-top: .5em;
  border-top: 2px solid #f3f4f6;
}
.aj-page__content h3 {
  font-size: 1.175rem;
  font-weight: 700;
  color: #111827;
  margin: 1.75em 0 .6em;
}
.aj-page__content p { margin-bottom: 1.4em; }
.aj-page__content ul,
.aj-page__content ol { padding-left: 1.5em; margin-bottom: 1.4em; }
.aj-page__content li { margin-bottom: .4em; }
.aj-page__content a { color: #1A73E8; }
.aj-page__content a:hover { text-decoration: underline; }
.aj-page__content strong { font-weight: 700; color: #111827; }
.aj-page__content table { width: 100%; border-collapse: collapse; margin: 1.5em 0; }
.aj-page__content th { background: #004977; color: #fff; padding: 10px 14px; text-align: left; font-size: .875rem; }
.aj-page__content td { padding: 10px 14px; border-bottom: 1px solid #e5e7eb; font-size: .9375rem; }
.aj-page__content tr:nth-child(even) td { background: #f9fafb; }

/* ---- Section landing page ---- */
.aj-section-page { padding-top: 40px; }

.aj-section-hero {
  padding: 40px 0 32px;
  border-bottom: 1px solid #e5e7eb;
  margin-bottom: 40px;
}
.aj-section-hero__title {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: #111827;
  letter-spacing: -.03em;
  margin: 8px 0 12px;
}
.aj-section-hero__desc {
  font-size: 1.0625rem;
  color: #6b7280;
  line-height: 1.7;
  max-width: 680px;
  margin: 0;
}

.aj-section-posts { margin-top: 48px; }
.aj-section-posts__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
}
.aj-section-posts__title {
  font-size: 1.375rem;
  font-weight: 700;
  color: #111827;
  letter-spacing: -.02em;
  margin: 0;
}

/* ---- Utility page (About, Privacy, etc.) ---- */
.aj-utility-page {
  max-width: 860px;
  margin: 0 auto;
  padding: 48px 0 72px;
}
.aj-utility-page__header {
  margin-bottom: 36px;
  padding-bottom: 24px;
  border-bottom: 1px solid #e5e7eb;
}
.aj-utility-page__title {
  font-size: clamp(1.75rem, 3vw, 2.25rem);
  font-weight: 800;
  color: #111827;
  letter-spacing: -.03em;
  margin-bottom: 8px;
}
.aj-utility-page__meta {
  font-size: .8375rem;
  color: #9ca3af;
}
.aj-utility-page__body .aj-page__content {
  max-width: 100%;
}

/* ---- Standard page (2-column) ---- */
/* Uses .aj-single__layout and .aj-sidebar already defined in single.css */
.aj-single__layout .aj-article__title {
  margin-top: 36px;
}

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .aj-section-hero { padding: 28px 0 24px; }
}
@media (max-width: 640px) {
  .aj-section-page { padding-top: 24px; }
  .aj-utility-page { padding: 32px 0 48px; }
  .aj-section-hero__title { font-size: 1.625rem; }
  .aj-section-posts__header { flex-direction: column; align-items: flex-start; gap: 8px; }
}

/* =========================================================
   SEARCH PAGE
========================================================= */
.aj-search-form {
  display: flex;
  gap: 8px;
  margin-top: 20px;
  max-width: 640px;
}
.aj-search-form--centered {
  margin: 24px auto 0;
  max-width: 560px;
}
.aj-search-form__input {
  flex: 1;
  height: 46px;
  border: 1.5px solid #d1d5db;
  border-radius: 8px;
  padding: 0 16px;
  font-size: .9375rem;
  font-family: var(--font);
  color: #111827;
  outline: none;
  transition: border-color .15s;
  min-width: 0;
}
.aj-search-form__input:focus { border-color: #1A73E8; }
.aj-search-form__btn {
  display: flex;
  align-items: center;
  gap: 8px;
  height: 46px;
  padding: 0 20px;
  background: #1A73E8;
  color: #fff;
  border: none;
  border-radius: 8px;
  font-size: .9375rem;
  font-weight: 600;
  font-family: var(--font);
  cursor: pointer;
  white-space: nowrap;
  transition: background .15s;
}
.aj-search-form__btn:hover { background: #1557b0; }

mark {
  background: #fef9c3;
  color: inherit;
  border-radius: 2px;
  padding: 0 2px;
}

.aj-search-suggestions { margin-top: 32px; text-align: center; }
.aj-search-suggestions__label {
  font-size: .8125rem;
  color: #9ca3af;
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: .06em;
  font-weight: 600;
}
.aj-search-suggestions__tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
}

/* =========================================================
   404 PAGE
========================================================= */
.aj-404 { padding: 80px 0; }
.aj-404__container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}
.aj-404__inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.aj-404__graphic {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-bottom: 28px;
}
.aj-404__num {
  font-size: 7rem;
  font-weight: 800;
  color: #e5e7eb;
  letter-spacing: -.06em;
  line-height: 1;
}
.aj-404__line {
  width: 3px;
  height: 80px;
  background: #e5e7eb;
  border-radius: 2px;
}
.aj-404__title {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: #111827;
  letter-spacing: -.03em;
  margin-bottom: 12px;
}
.aj-404__desc {
  font-size: 1rem;
  color: #6b7280;
  line-height: 1.7;
  margin-bottom: 28px;
}
.aj-404__sections { margin-top: 48px; }
.aj-404__sections-label {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #9ca3af;
  margin-bottom: 16px;
}
.aj-404__sections-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 32px;
}
.aj-404__section-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  padding: 20px 16px;
  background: #f9fafb;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  text-decoration: none;
  transition: background .15s, border-color .15s, transform .15s;
}
.aj-404__section-card:hover {
  background: #eff6ff;
  border-color: #bfdbfe;
  transform: translateY(-2px);
}
.aj-404__section-icon { font-size: 1.5rem; }
.aj-404__section-name {
  font-size: .9375rem;
  font-weight: 700;
  color: #111827;
}
.aj-404__section-desc {
  font-size: .775rem;
  color: #9ca3af;
  line-height: 1.4;
}

@media (max-width: 640px) {
  .aj-404__num { font-size: 4.5rem; }
  .aj-404__sections-grid { grid-template-columns: repeat(2, 1fr); }
  .aj-search-form { flex-direction: column; }
  .aj-search-form__btn { justify-content: center; }
}
@media (max-width: 400px) {
  .aj-404__sections-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   AJ LIVE RATE TABLES
   ============================================================ */
.aj-rate-table-wrap { font-family: var(--font, sans-serif); margin: 2rem 0; }
.aj-rate-meta {
    display: flex; justify-content: space-between; align-items: center;
    font-size: .8rem; color: #666; margin-bottom: 1rem; flex-wrap: wrap; gap: .5rem;
}
.aj-rate-tabs {
    display: flex; gap: .35rem; flex-wrap: wrap;
    border-bottom: 2px solid #e5e7eb; margin-bottom: 1.25rem;
}
.aj-rate-tab {
    background: none; border: none; border-bottom: 3px solid transparent;
    margin-bottom: -2px; padding: .5rem 1rem; font-size: .875rem;
    font-weight: 500; color: #555; cursor: pointer;
    transition: color .15s, border-color .15s; white-space: nowrap;
}
.aj-rate-tab:hover { color: #1A73E8; }
.aj-rate-tab.active { color: #1A73E8; border-bottom-color: #1A73E8; font-weight: 600; }
.aj-rate-term-heading { font-size: 1rem; font-weight: 600; color: #1a2332; margin: 0 0 .75rem; border: none; padding: 0; }
.aj-rate-table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin-bottom: 1.5rem; }
/* Responsive table wrapper — auto-applied to all content tables via PHP filter */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 1.5em 0; }
.table-scroll table { min-width: 480px; margin: 0; }
.aj-rate-table {
    width: 100%; border-collapse: collapse; font-size: .875rem;
    background: #fff; border: 1px solid #e5e7eb; border-radius: 8px; overflow: hidden;
}
.aj-rate-table thead tr { background: #f8fafc; border-bottom: 2px solid #e5e7eb; }
.aj-rate-table th {
    padding: .75rem 1rem; text-align: left; font-size: .75rem;
    font-weight: 600; text-transform: uppercase; letter-spacing: .04em;
    color: #6b7280; white-space: nowrap;
}
.aj-rate-table td { padding: .85rem 1rem; border-bottom: 1px solid #f1f3f5; color: #333; vertical-align: middle; }
.aj-rate-table tbody tr:last-child td { border-bottom: none; }
.aj-rate-table tbody tr:hover { background: #fafbff; }
.aj-rate-top { background: #f0f7ff !important; }
.aj-rate-top:hover { background: #e8f2ff !important; }
.aj-rate-num { font-size: 1.05rem; font-weight: 700; color: #0d7a3e; }
.aj-rate-col { white-space: nowrap; }
.aj-rate-carrier { font-weight: 500; }
.aj-rate-product { color: #555; font-size: .82rem; }
.aj-rate-badge {
    display: inline-block; background: #0d7a3e; color: #fff;
    font-size: .65rem; font-weight: 700; text-transform: uppercase;
    letter-spacing: .05em; padding: .15rem .45rem; border-radius: 3px;
    margin-left: .4rem; vertical-align: middle;
}
.aj-rate-si {
    display: inline-block; background: #f59e0b; color: #fff;
    font-size: .62rem; font-weight: 700; padding: .12rem .35rem;
    border-radius: 3px; margin-left: .25rem; vertical-align: middle; cursor: help;
}
.aj-rating { display: inline-block; font-size: .78rem; font-weight: 700; padding: .2rem .5rem; border-radius: 4px; }
.aj-rating-aplusplusplus,.aj-rating-aplusplus { background: #dcfce7; color: #15803d; }
.aj-rating-aplus  { background: #dcfce7; color: #15803d; }
.aj-rating-a      { background: #dbeafe; color: #1d4ed8; }
.aj-rating-aminus { background: #eff6ff; color: #2563eb; }
.aj-rate-disclosure {
    font-size: .75rem; color: #888; line-height: 1.5;
    border-top: 1px solid #e5e7eb; padding-top: .75rem; margin-top: .5rem;
}
.aj-rates-error {
    padding: 1rem; background: #fef2f2; border: 1px solid #fecaca;
    border-radius: 6px; color: #dc2626; font-size: .875rem;
}
.aj-rate-table { min-width: 600px; }

@media (max-width: 640px) {
    .aj-rate-tab { padding: .4rem .6rem; font-size: .8rem; }
    .aj-rate-meta { flex-direction: column; align-items: flex-start; }

    .aj-rate-table,
    .aj-rate-table thead,
    .aj-rate-table tbody,
    .aj-rate-table th,
    .aj-rate-table td,
    .aj-rate-table tr { display: block; }

    .aj-rate-table thead tr {
        position: absolute;
        top: -9999px;
        left: -9999px;
    }

    .aj-rate-table { min-width: 0; border: none; background: transparent; }
    .aj-rate-table-scroll { overflow-x: visible; }

    .aj-rate-table tbody tr {
        border: 1px solid #e5e7eb;
        border-radius: 10px;
        margin-bottom: 12px;
        padding: 4px 0;
        background: #fff;
        box-shadow: 0 1px 3px rgba(0,0,0,.06);
    }
    .aj-rate-top {
        border-color: #1A73E8 !important;
        border-left: 3px solid #1A73E8 !important;
    }

    .aj-rate-table td {
        display: flex;
        justify-content: space-between;
        align-items: center;
        padding: 9px 14px;
        border: none;
        border-bottom: 1px solid #f1f3f5;
        font-size: .875rem;
        text-align: right;
        white-space: normal;
    }
    .aj-rate-table tbody tr td:last-child { border-bottom: none; }

    .aj-rate-table td:before {
        content: attr(data-label);
        font-weight: 600;
        font-size: .72rem;
        color: #6b7280;
        text-transform: uppercase;
        letter-spacing: .04em;
        text-align: left;
        flex: 0 0 auto;
        margin-right: 12px;
    }

    .aj-rate-num { font-size: 1.1rem; }
    .aj-rate-badge { display: block; margin: 4px 0 0 0; }
}

/* ============================================================
   AJ RATE TABLE STYLE FIXES
   ============================================================ */
.aj-rate-table thead tr { background: #1a2332; border-bottom: 2px solid #1a2332; }
.aj-rate-table th { color: #fff; }
.aj-rate-num { color: #1f76e9; }
.aj-rate-badge { background: #1f76e9; }
.aj-rating-aplusplusplus,
.aj-rating-aplusplus,
.aj-rating-aplus { background: #e8f0fe; color: #1f76e9; }


/* =========================================================
   KEY TAKEAWAYS — Investopedia style (blue accent)
========================================================= */
.aj-key-takeaways {
  position: relative;
  border-left: 4px solid #1A73E8;
  padding: 22px 28px 22px 24px;
  margin: 32px 0;
  background: transparent;
}
/* Bottom-right L-shaped corner accent */
.aj-key-takeaways::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 56px;
  height: 56px;
  background:
    linear-gradient(#1A73E8, #1A73E8) bottom / 56px 4px no-repeat,
    linear-gradient(#1A73E8, #1A73E8) right / 4px 56px no-repeat;
}
.aj-key-takeaways__heading {
  display: block;
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: #374151;
  margin-bottom: 14px;
}
.aj-key-takeaways ul {
  padding-left: 20px;
  list-style: disc;
  display: flex;
  flex-direction: column;
  gap: 9px;
  margin: 0;
}
.aj-key-takeaways ul li {
  font-size: 1rem;
  line-height: 1.6;
  color: #1f2937;
}

/* =========================================================
   DISCLOSURE — bottom placement modifier
========================================================= */
.aj-disclosure--bottom {
  margin-top: 48px;
  margin-bottom: 0;
}

/* =========================================================
   UP NEXT — bottom related posts (Bankrate style)
========================================================= */
.aj-up-next {
  margin-top: 56px;
  padding-top: 32px;
  border-top: 2px solid #e5e7eb;
}
.aj-up-next__eyebrow {
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: #1A73E8;
  margin-bottom: 4px;
}
.aj-up-next__label {
  font-size: 1.125rem;
  font-weight: 600;
  color: #111827;
  margin-bottom: 28px;
}
.aj-up-next__label strong { font-weight: 700; }
.aj-up-next__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.aj-up-next__card {
  display: flex;
  flex-direction: column;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  overflow: hidden;
  transition: transform .2s, box-shadow .2s, border-color .2s;
  text-decoration: none;
  color: inherit;
  background: #fff;
}
.aj-up-next__card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(0,0,0,.1);
  border-color: #1A73E8;
  color: inherit;
}
.aj-up-next__card-img {
  width: 100%;
  height: 150px;
  object-fit: cover;
  display: block;
}
.aj-up-next__card-img--placeholder {
  width: 100%;
  height: 150px;
  background: linear-gradient(135deg, #eff6ff 0%, #dbeafe 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
}
.aj-up-next__card-body {
  padding: 16px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.aj-up-next__card-cat {
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #1A73E8;
}
.aj-up-next__card-title {
  font-size: .9375rem;
  font-weight: 700;
  color: #111827;
  line-height: 1.45;
}
.aj-up-next__card:hover .aj-up-next__card-title { color: #1A73E8; }
.aj-up-next__card-meta {
  font-size: .8125rem;
  color: #6b7280;
  margin-top: auto;
  padding-top: 6px;
}
@media (max-width: 768px) {
  .aj-up-next__grid { grid-template-columns: 1fr; }
}

/* =========================================================
   SINGLE POST HERO — Bankrate style (dark navy)
   Breadcrumbs + H1 + author bar on dark background
========================================================= */
.aj-article-hero {
  background: #002440;
  padding: 28px 0 76px;
}

/* Breadcrumbs inside hero — transparent, white text */
.aj-article-hero .aj-breadcrumbs {
  background: transparent !important;
  border-bottom: none !important;
  padding: 0 0 20px !important;
}
.aj-article-hero .aj-breadcrumbs__inner {
  padding: 0 !important;
  max-width: none !important;
}
.aj-article-hero .aj-breadcrumbs__inner a {
  color: rgba(255,255,255,.60) !important;
}
.aj-article-hero .aj-breadcrumbs__inner a:hover {
  color: #fff !important;
  text-decoration: none !important;
}
.aj-article-hero .aj-breadcrumbs__sep  { color: rgba(255,255,255,.30) !important; }
.aj-article-hero .aj-breadcrumbs__current { color: rgba(255,255,255,.80) !important; }

/* H1 inside hero */
.aj-article-hero .aj-article__title {
  color: #fff !important;
  margin-bottom: 22px !important;
  max-width: 760px;
  font-size: 2.25rem !important;
}

/* Author bar inside hero */
.aj-article-hero .aj-author-bar {
  border-top-color:    rgba(255,255,255,.12) !important;
  border-bottom-color: rgba(255,255,255,.12) !important;
  margin-bottom: 0 !important;
}
.aj-article-hero .aj-author-bar__label   { color: rgba(255,255,255,.82) !important; }
.aj-article-hero .aj-author-bar__name    { color: #fff !important; }
.aj-article-hero .aj-author-bar__name a  { color: #fff !important; }
.aj-article-hero .aj-author-bar__name a:hover { color: rgba(255,255,255,.8) !important; }
.aj-article-hero .aj-author-bar__divider { color: rgba(255,255,255,.22) !important; }
.aj-article-hero .aj-author-bar__dates   { color: rgba(255,255,255,.82) !important; }
.aj-article-hero .aj-author-bar__updated { color: #6ee7b7 !important; }
.aj-article-hero .aj-author-bar__updated svg { stroke: #6ee7b7; }

/* =========================================================
   SINGLE PAGE BODY — light blue-gray background
========================================================= */
.aj-single {
  background: #e8eef5 !important;
  padding: 0 0 64px !important;
}

/* Article card pulls up into hero, white card with shadow */
.aj-article {
  background: #fff !important;
  border-radius: 10px !important;
  padding: 36px 40px 44px !important;
  margin-top: -48px !important;
  box-shadow: 0 4px 20px rgba(0,0,0,.10) !important;
}

/* Sidebar: start at same vertical position as article card */
.aj-sidebar {
  margin-top: -48px !important;
}

/* Sidebar widgets inherit white on the blue-gray bg — looks great */
.aj-widget {
  background: #fff !important;
}

/* =========================================================
   SIDEBAR FEATURED IMAGE — 16:9, above TOC
========================================================= */
.aj-sidebar-thumb {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: 10px;
  overflow: hidden;
  background: #dbeafe;
  display: block;
  flex-shrink: 0;
}
.aj-sidebar-thumb__img,
.aj-sidebar-thumb img {
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  display: block !important;
  border-radius: 0 !important;
  margin: 0 !important;
}

/* =========================================================
   RESPONSIVE — stack on mobile
========================================================= */
@media (max-width: 900px) {
  .aj-article-hero { padding: 24px 0 56px; }
  .aj-article  { margin-top: -28px !important; padding: 24px 20px 32px !important; }
  .aj-sidebar  { margin-top: 24px !important; }
  .aj-sidebar-thumb { aspect-ratio: 16 / 9; }
}


/* =========================================================
   RESPONSIVE — Single post hero + layout
   Fixes mobile layout for the new Bankrate-style hero
========================================================= */

/* Tablet ≤900px: collapse sidebar below article */
@media (max-width: 900px) {
  .aj-single__layout {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }
  .aj-sidebar {
    position: static !important;
    margin-top: 0 !important;
    max-height: none !important;
    overflow: visible !important;
  }
  .aj-sidebar-thumb { display: none; } /* hide sidebar image on mobile; content image if any shows in article */
}

/* Mobile ≤640px */
@media (max-width: 640px) {
  .aj-article-hero {
    padding: 16px 0 44px !important;
  }
  .aj-article-hero .aj-article__title {
    font-size: 1.5rem !important;
    margin-bottom: 14px !important;
  }
  .aj-article-hero .aj-breadcrumbs {
    padding-bottom: 12px !important;
  }
  .aj-article-hero .aj-author-bar {
    flex-direction: column !important;
    gap: 6px !important;
    padding: 12px 0 !important;
  }
  .aj-article-hero .aj-author-bar__byline {
    flex-direction: column !important;
    gap: 2px !important;
    font-size: .8125rem !important;
  }
  .aj-article-hero .aj-author-bar__divider { display: none !important; }
  .aj-article-hero .aj-author-bar__avatar { display: none !important; }

  .aj-article {
    margin-top: -20px !important;
    padding: 20px 16px 28px !important;
    border-radius: 8px !important;
  }
  .aj-single__container { padding: 0 14px !important; }
  .aj-article__content { font-size: 1rem !important; }

  /* Tables: smaller font on mobile (scrolling handled by .table-scroll wrapper) */
  .aj-article__content table {
    font-size: .875rem;
  }

  /* UP NEXT: stack cards */
  .aj-up-next__grid { grid-template-columns: 1fr !important; }
  .aj-up-next { margin-top: 36px !important; }

  /* Post nav: stack */
  .aj-post-nav { flex-direction: column; gap: 16px; }
  .aj-post-nav__next { text-align: left; }

  /* Key takeaways: tighter padding */
  .aj-key-takeaways { padding: 16px 16px 16px 18px; }
  .aj-key-takeaways::after { width: 36px; height: 36px; }
}

/* Small mobile ≤480px */
@media (max-width: 480px) {
  .aj-article-hero .aj-article__title { font-size: 1.325rem !important; }
  .aj-article { padding: 16px 14px 24px !important; }
  .aj-article__content h2 { font-size: 1.375rem; }
  .aj-article__content h3 { font-size: 1.125rem; }
}

/* Mobile nav divider */
.mobile-nav-divider {
  height: 1px;
  background: rgba(255,255,255,.1);
  margin: 8px 0;
  list-style: none;
}

/* ============================================================
   State Guaranty Association — FAQ styles
   ============================================================ */
.aj-faq { margin: 2em 0; }
.aj-faq-item {
  border-bottom: 1px solid #e5e7eb;
  padding: 20px 0;
}
.aj-faq-item:last-child { border-bottom: none; }
.aj-faq-item h3 {
  font-size: 1.05rem;
  font-weight: 600;
  color: #1a2332;
  margin: 0 0 8px;
  padding: 0;
  border: none;
}
.aj-faq-item p {
  margin: 0;
  color: #374151;
  line-height: 1.6;
}

/* ============================================================
   NEWSROOM LANDING PAGE  (/newsroom/)
   ============================================================ */

/* ── Hero ─────────────────────────────────────────────────── */
.aj-newsroom__hero {
  background: linear-gradient(135deg, #004977 0%, #00334f 100%);
  color: #fff;
  padding: 56px 0 48px;
}
.aj-newsroom__hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}
.aj-newsroom__hero-eyebrow {
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.6);
  margin-bottom: 10px;
}
.aj-newsroom__hero-title {
  font-size: 2.5rem;
  font-weight: 800;
  margin: 0 0 10px;
  color: #fff;
  line-height: 1.1;
}
.aj-newsroom__hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,.82);
  margin: 0 0 20px;
  max-width: 620px;
  line-height: 1.5;
}
.aj-newsroom__hero-stats {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.aj-newsroom__hero-stat {
  font-size: .85rem;
  color: rgba(255,255,255,.7);
}
.aj-newsroom__hero-stat strong { color: #fff; }
.aj-newsroom__hero-divider { color: rgba(255,255,255,.35); }

/* ── Body wrapper ─────────────────────────────────────────── */
.aj-newsroom__body {
  max-width: 1280px;
  margin: 0 auto;
  padding: 32px 24px 64px;
}

/* ── Filter bar ───────────────────────────────────────────── */
.aj-newsroom__filter-wrap {
  margin-bottom: 4px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.aj-newsroom__filter-wrap::-webkit-scrollbar { display: none; }
.aj-newsroom__filters {
  display: flex;
  align-items: center;
  gap: 8px;
  padding-bottom: 4px;
  flex-wrap: nowrap;
  min-width: max-content;
}
.aj-newsroom__filter {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 7px 16px;
  border-radius: 20px;
  font-size: .85rem;
  font-weight: 500;
  color: #374151;
  background: #f3f4f6;
  border: 1px solid #e5e7eb;
  text-decoration: none;
  white-space: nowrap;
  transition: background .15s, color .15s, border-color .15s;
}
.aj-newsroom__filter:hover {
  background: #e9eef7;
  border-color: #c7d3e8;
  color: #1A73E8;
  text-decoration: none;
}
.aj-newsroom__filter.is-active {
  background: #1A73E8;
  border-color: #1A73E8;
  color: #fff;
}
.aj-newsroom__filter.is-active:hover {
  background: #1558b0;
  border-color: #1558b0;
  color: #fff;
}
.aj-newsroom__filter-count {
  font-size: .75rem;
  opacity: .7;
  font-weight: 400;
}
.aj-newsroom__filter.is-active .aj-newsroom__filter-count { opacity: .85; }

/* ── Context bar ──────────────────────────────────────────── */
.aj-newsroom__context {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 0 20px;
  font-size: .875rem;
  color: #6b7280;
  border-bottom: 1px solid #e5e7eb;
  margin-bottom: 28px;
}
.aj-newsroom__context strong { color: #1a2332; }
.aj-newsroom__clear-filter {
  font-size: .8rem;
  color: #1A73E8;
  text-decoration: none;
  border: 1px solid #c7d3e8;
  padding: 3px 10px;
  border-radius: 12px;
}
.aj-newsroom__clear-filter:hover { background: #e9eef7; text-decoration: none; }

/* ── Source badge ─────────────────────────────────────────── */
.aj-newsroom__source {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  background: #e8eef5;
  color: #004977;
  padding: 2px 8px;
  border-radius: 3px;
}

/* ── Date ─────────────────────────────────────────────────── */
.aj-newsroom__date {
  font-size: .8rem;
  color: #9ca3af;
}

/* ── Tag pill ─────────────────────────────────────────────── */
.aj-newsroom__tag {
  display: inline-block;
  font-size: .72rem;
  font-weight: 500;
  color: #1A73E8;
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  padding: 2px 8px;
  border-radius: 10px;
  text-decoration: none;
  white-space: nowrap;
  transition: background .15s;
}
.aj-newsroom__tag:hover { background: #dbeafe; text-decoration: none; }

/* ── Featured story ───────────────────────────────────────── */
.aj-newsroom__featured {
  position: relative;
  background: #fff;
  border: 1px solid #e5e7eb;
  border-left: 5px solid #1A73E8;
  border-radius: 8px;
  padding: 28px 32px;
  margin-bottom: 36px;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.aj-newsroom__featured-flag {
  position: absolute;
  top: -1px;
  right: 24px;
  background: #1A73E8;
  color: #fff;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 0 0 5px 5px;
}
.aj-newsroom__featured-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 12px;
}
.aj-newsroom__featured-title {
  font-size: 1.5rem;
  font-weight: 700;
  line-height: 1.3;
  margin: 0 0 12px;
  color: #1a2332;
}
.aj-newsroom__featured-title a {
  color: inherit;
  text-decoration: none;
}
.aj-newsroom__featured-title a:hover { color: #1A73E8; }
.aj-newsroom__featured-excerpt {
  color: #4b5563;
  font-size: .975rem;
  line-height: 1.65;
  margin: 0 0 18px;
  max-width: 760px;
}
.aj-newsroom__read-btn {
  display: inline-block;
  background: #1A73E8;
  color: #fff;
  font-size: .875rem;
  font-weight: 600;
  padding: 9px 20px;
  border-radius: 5px;
  text-decoration: none;
  transition: background .15s;
}
.aj-newsroom__read-btn:hover { background: #1558b0; color: #fff; text-decoration: none; }

/* ── News grid ────────────────────────────────────────────── */
.aj-newsroom__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 40px;
}
.aj-newsroom__card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  padding: 20px 22px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: box-shadow .18s, border-color .18s;
}
.aj-newsroom__card:hover {
  box-shadow: 0 4px 14px rgba(0,0,0,.09);
  border-color: #c7d3e8;
}
.aj-newsroom__card-meta {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.aj-newsroom__card-title {
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.4;
  margin: 0;
  color: #1a2332;
  flex: 1;
}
.aj-newsroom__card-title a {
  color: inherit;
  text-decoration: none;
}
.aj-newsroom__card-title a:hover { color: #1A73E8; }
.aj-newsroom__card-excerpt {
  font-size: .875rem;
  color: #6b7280;
  line-height: 1.55;
  margin: 0;
  /* Clamp to 3 lines */
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.aj-newsroom__card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: auto;
  padding-top: 10px;
  border-top: 1px solid #f3f4f6;
}
.aj-newsroom__card-link {
  font-size: .8rem;
  font-weight: 600;
  color: #1A73E8;
  text-decoration: none;
  white-space: nowrap;
  margin-left: auto;
}
.aj-newsroom__card-link:hover { text-decoration: underline; }

/* ── Pagination ───────────────────────────────────────────── */
.aj-newsroom__pagination {
  display: flex;
  justify-content: center;
}
.aj-newsroom__pagination .page-numbers {
  display: inline-flex;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: 6px;
  flex-wrap: wrap;
  justify-content: center;
}
.aj-newsroom__pagination .page-numbers li { margin: 0; }
.aj-newsroom__pagination .page-numbers a,
.aj-newsroom__pagination .page-numbers span {
  display: inline-flex;
  align-items: center;
  padding: 8px 14px;
  border: 1px solid #e5e7eb;
  border-radius: 5px;
  font-size: .875rem;
  font-weight: 500;
  color: #374151;
  text-decoration: none;
  background: #fff;
  transition: background .15s, border-color .15s;
}
.aj-newsroom__pagination .page-numbers a:hover {
  background: #f3f4f6;
  border-color: #d1d5db;
  text-decoration: none;
}
.aj-newsroom__pagination .page-numbers .current {
  background: #1A73E8;
  border-color: #1A73E8;
  color: #fff;
}

/* ── Empty state ──────────────────────────────────────────── */
.aj-newsroom__empty {
  text-align: center;
  padding: 80px 24px;
  color: #6b7280;
}
.aj-newsroom__empty-icon { font-size: 3rem; margin-bottom: 16px; }
.aj-newsroom__empty h2 { color: #1a2332; font-size: 1.4rem; margin-bottom: 10px; }
.aj-newsroom__empty p { margin-bottom: 24px; }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 900px) {
  .aj-newsroom__grid { grid-template-columns: repeat(2, 1fr); }
  .aj-newsroom__hero-title { font-size: 2rem; }
}
@media (max-width: 600px) {
  .aj-newsroom__grid { grid-template-columns: 1fr; }
  .aj-newsroom__hero { padding: 36px 0 32px; }
  .aj-newsroom__hero-title { font-size: 1.65rem; }
  .aj-newsroom__featured { padding: 20px 18px; }
  .aj-newsroom__featured-title { font-size: 1.25rem; }
  .aj-newsroom__body { padding: 20px 16px 48px; }
  .aj-newsroom__hero-stats { gap: 6px; flex-wrap: wrap; }
}

/* ── Newsroom image additions ─────────────────────────────── */

/* Featured card with image — side-by-side on desktop */
.aj-newsroom__featured.has-image {
  display: grid;
  grid-template-columns: 420px 1fr;
  grid-template-rows: auto;
  align-items: stretch;
  padding: 0;
  overflow: hidden;
}
.aj-newsroom__featured.has-image .aj-newsroom__featured-flag {
  grid-column: 1 / -1;
}
.aj-newsroom__featured-img-wrap {
  display: block;
  overflow: hidden;
  background: #f3f4f6;
}
.aj-newsroom__featured-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform .3s ease;
}
.aj-newsroom__featured-img-wrap:hover .aj-newsroom__featured-img {
  transform: scale(1.03);
}
.aj-newsroom__featured.has-image .aj-newsroom__featured-body {
  padding: 28px 30px;
}

/* Grid card with image */
.aj-newsroom__card-img-wrap {
  display: block;
  overflow: hidden;
  border-radius: 6px 6px 0 0;
  background: #f3f4f6;
  margin: -20px -22px 0;
  aspect-ratio: 16 / 9;
}
.aj-newsroom__card.has-image {
  padding-top: 0;
}
.aj-newsroom__card.has-image .aj-newsroom__card-meta {
  margin-top: 16px;
}
.aj-newsroom__card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform .3s ease;
}
.aj-newsroom__card-img-wrap:hover .aj-newsroom__card-img {
  transform: scale(1.04);
}

/* Responsive: stack featured image on smaller screens */
@media (max-width: 860px) {
  .aj-newsroom__featured.has-image {
    grid-template-columns: 1fr;
  }
  .aj-newsroom__featured-img-wrap {
    aspect-ratio: 16 / 7;
    max-height: 280px;
  }
  .aj-newsroom__featured.has-image .aj-newsroom__featured-body {
    padding: 22px 22px 24px;
  }
}
@media (max-width: 600px) {
  .aj-newsroom__card-img-wrap {
    margin: -20px -18px 0;
  }
}

/* MEGA-MENU-IMPROVEMENTS-V1 */
/* ============================================================
   Mega menu — improved widths, spacing & open animation
   ============================================================ */

@keyframes aj-mega-in {
  from { opacity: 0; transform: translateX(-50%) translateY(10px); }
  to   { opacity: 1; transform: translateX(-50%) translateY(0);    }
}
@keyframes aj-mega-in-edge {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0);    }
}

/* Wider, tighter to the nav bar */
.mega-menu {
  top: calc(100% + 2px);
  width: 920px;
  border-radius: 10px;
}
.mega-menu--narrow {
  width: 720px;
}

/* Smooth open animation */
.nav-item:hover .mega-menu,
.nav-item.active .mega-menu {
  display: block;
  animation: aj-mega-in .17s ease forwards;
}

/* Left-edge alignment: first two nav items anchor left so menu doesn't bleed off-screen */
.nav-item:first-child .mega-menu,
.nav-item:nth-child(2) .mega-menu {
  left: 0;
  transform: none;
}
.nav-item:first-child:hover .mega-menu,
.nav-item:first-child.active .mega-menu,
.nav-item:nth-child(2):hover .mega-menu,
.nav-item:nth-child(2).active .mega-menu {
  animation: aj-mega-in-edge .17s ease forwards;
}

/* Right-edge items use the edge animation too */
.nav-item:nth-last-child(2):hover .mega-menu,
.nav-item:nth-last-child(2).active .mega-menu,
.nav-item:last-child:hover .mega-menu,
.nav-item:last-child.active .mega-menu {
  animation: aj-mega-in-edge .17s ease forwards;
}

/* Inner grid — better proportions */
.mega-menu-inner {
  grid-template-columns: 1fr 1fr 1fr 230px;
  padding: 22px 0 0;
}
.mega-menu--narrow .mega-menu-inner {
  grid-template-columns: 1fr 1fr 230px;
}

/* Column padding tighter */
.mega-col {
  padding: 0 20px 22px;
}
.mega-featured {
  padding: 0 16px 22px;
}
.mega-col-label {
  margin-bottom: 10px;
}
.mega-col ul li {
  margin-bottom: 1px;
}
.mega-col ul li a {
  padding: 5px 8px;
  font-size: .875rem;
}
.mega-footer {
  padding: 10px 22px;
}

/* "See all" link at bottom of a mega-col */
.mega-col-seeall {
  display: inline-block;
  margin-top: 8px;
  padding: 0 8px;
  font-size: .8rem;
  font-weight: 600;
  color: var(--nav-hover);
  text-decoration: none;
}
.mega-col-seeall:hover {
  text-decoration: underline;
}

/* Mobile: section label style */
.mobile-nav-section-label {
  padding: 10px 20px 4px;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #9ca3af;
}
/* AJ-VIDEO-GRID-V1 */
.aj-video-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 8px;
}
@media (max-width: 900px) { .aj-video-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .aj-video-grid { grid-template-columns: 1fr; } }

.aj-video-card {
    background: #fff;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,.08);
    cursor: pointer;
    transition: transform .2s, box-shadow .2s;
    outline: none;
}
.aj-video-card:hover,
.aj-video-card:focus {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,.14);
}

.aj-video-card__thumb {
    position: relative;
    padding-top: 56.25%;
    background: #1a2a3a center/cover no-repeat;
}
.aj-video-card__play {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    background: none;
    border: none;
    padding: 0;
    cursor: pointer;
    transition: transform .2s;
}
.aj-video-card:hover .aj-video-card__play,
.aj-video-card:focus .aj-video-card__play { transform: translate(-50%, -50%) scale(1.12); }

.aj-video-card__dur {
    position: absolute;
    bottom: 8px;
    right: 8px;
    background: rgba(0,0,0,.75);
    color: #fff;
    font-size: .75rem;
    font-weight: 600;
    padding: 2px 6px;
    border-radius: 4px;
    letter-spacing: .02em;
}

.aj-video-card__body { padding: 16px; }
.aj-video-card__title {
    font-size: 1rem;
    font-weight: 700;
    color: #1a2a3a;
    margin: 0 0 6px;
    line-height: 1.4;
}
.aj-video-card__excerpt {
    font-size: .875rem;
    color: #555;
    margin: 0;
    line-height: 1.5;
}

/* Video Modal */
.aj-video-modal {
    position: fixed;
    inset: 0;
    z-index: 99999;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: opacity .25s;
}
.aj-video-modal[aria-hidden=true] {
    opacity: 0;
    pointer-events: none;
}
.aj-video-modal[aria-hidden=false] {
    opacity: 1;
    pointer-events: auto;
}
.aj-video-modal__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(0,0,0,.85);
}
.aj-video-modal__inner {
    position: relative;
    z-index: 1;
    width: min(900px, 95vw);
    background: #000;
    border-radius: 8px;
    overflow: hidden;
}
.aj-video-modal__player {
    position: relative;
    padding-top: 56.25%;
    background: #000;
}
.aj-video-modal__close {
    position: absolute;
    top: -40px;
    right: 0;
    background: none;
    border: none;
    color: #fff;
    font-size: 2rem;
    line-height: 1;
    cursor: pointer;
    z-index: 2;
    padding: 4px 8px;
    transition: opacity .2s;
}
.aj-video-modal__close:hover { opacity: .7; }

/* AJ-INLINE-CTA */
.aj-inline-cta {
  display: flex;
  align-items: center;
  gap: 20px;
  background: linear-gradient(135deg, #002440 0%, #004977 60%, #1A73E8 100%);
  border-radius: 14px;
  padding: 24px 28px;
  margin: 40px 0 32px;
  flex-wrap: wrap;
}
.aj-inline-cta__icon {
  font-size: 2rem;
  flex-shrink: 0;
}
.aj-inline-cta__text {
  flex: 1;
  min-width: 180px;
}
.aj-inline-cta__heading {
  font-size: 1.1rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 4px;
  line-height: 1.3;
}
.aj-inline-cta__sub {
  font-size: .85rem;
  color: rgba(255,255,255,.78);
  line-height: 1.4;
}
.aj-inline-cta__actions {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
  flex-wrap: wrap;
}
.aj-inline-cta__btn {
  display: inline-block;
  padding: 11px 20px;
  border-radius: 8px;
  font-size: .875rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity .18s, transform .18s;
}
.aj-inline-cta__btn:hover {
  opacity: .88;
  transform: translateY(-1px);
}
.aj-inline-cta__btn--primary {
  background: #fff;
  color: #002440;
}
.aj-inline-cta__btn--secondary {
  background: rgba(255,255,255,.15);
  color: #fff;
  border: 1px solid rgba(255,255,255,.3);
}
.aj-inline-cta__btn--secondary:hover {
  background: rgba(255,255,255,.25);
}
@media (max-width: 640px) {
  .aj-inline-cta { padding: 20px; gap: 14px; }
  .aj-inline-cta__actions { width: 100%; }
  .aj-inline-cta__btn { flex: 1; text-align: center; }
}

/* ============================================
   MEGA MENU POSITION FIX — anchor to header, not nav item
   ============================================ */
.nav-item { position: static !important; }
.site-header { position: relative; }

.mega-menu {
  position: absolute !important;
  top: 100% !important;
  left: 0 !important;
  right: 0 !important;
  width: 100% !important;
  transform: none !important;
  border-radius: 0 0 12px 12px !important;
  box-sizing: border-box;
}

.mega-menu-inner {
  max-width: 1060px;
  margin: 0 auto;
}

.mega-menu--narrow .mega-menu-inner {
  max-width: 700px;
  margin: 0 auto;
}

/* simple dropdowns still anchor to their nav item */
.nav-item.has-dropdown { position: relative !important; }

/* ============================================
   MEGA MENU — 3 columns, no featured panel
   ============================================ */
.mega-menu-inner {
  grid-template-columns: 1fr 1fr 1fr !important;
  max-width: 860px;
  padding: 28px 0 0;
}
.mega-menu--narrow .mega-menu-inner {
  grid-template-columns: 1fr 1fr !important;
  max-width: 560px;
}
.mega-featured { display: none !important; }


/* =========================================================
   HUB PAGES — Bankrate-style section landing pages
   /annuities/, /rates/, /newsroom/, etc.
========================================================= */
.hub-hero {
  background: linear-gradient(135deg, #002440 0%, #004977 100%);
  padding: 48px 0 60px;
  color: #fff;
}
.hub-hero__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.hub-hero__eyebrow {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #7dd3fc;
  margin-bottom: 12px;
  display: block;
}
.hub-hero__title {
  font-size: 2.5rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  letter-spacing: -.03em;
  margin-bottom: 16px;
}
.hub-hero__desc {
  font-size: 1.125rem;
  color: rgba(255,255,255,.82);
  line-height: 1.65;
  max-width: 640px;
  margin: 0;
}

/* Hub body */
.hub-body {
  background: #f8fafc;
  padding: 48px 0 80px;
}
.hub-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Featured post (first/latest) */
.hub-featured {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: #fff;
  border-radius: 12px;
  border: 1px solid #e5e7eb;
  overflow: hidden;
  margin-bottom: 48px;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.hub-featured__img-wrap { display: block; overflow: hidden; }
.hub-featured__img {
  width: 100%;
  height: 100%;
  min-height: 280px;
  object-fit: cover;
  display: block;
  transition: transform .3s;
}
.hub-featured__img-wrap:hover .hub-featured__img { transform: scale(1.03); }
.hub-featured__img--placeholder {
  background: linear-gradient(135deg, #e0e7ff 0%, #dbeafe 100%);
  min-height: 280px;
}
.hub-featured__body {
  padding: 36px 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hub-featured__cat {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #1A73E8;
  background: #eff6ff;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 16px;
}
.hub-featured__title {
  font-size: 1.625rem;
  font-weight: 700;
  color: #111827;
  line-height: 1.3;
  margin-bottom: 12px;
}
.hub-featured__title a { color: inherit; text-decoration: none; }
.hub-featured__title a:hover { color: #1A73E8; }
.hub-featured__excerpt {
  font-size: .9375rem;
  color: #6b7280;
  line-height: 1.65;
  margin-bottom: 16px;
}
.hub-featured__meta {
  display: flex;
  gap: 8px;
  font-size: .8125rem;
  color: #9ca3af;
  margin-bottom: 20px;
}
.hub-featured__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .875rem;
  font-weight: 600;
  color: #1A73E8;
  text-decoration: none;
}
.hub-featured__link:hover { text-decoration: underline; }

/* Grid section header */
.hub-grid-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
}
.hub-grid-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: #111827;
  margin: 0;
}

/* Article grid */
.hub-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.hub-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,0,0,.05);
  transition: box-shadow .2s, transform .2s;
}
.hub-card:hover {
  box-shadow: 0 6px 20px rgba(0,0,0,.09);
  transform: translateY(-2px);
}
.hub-card__img-wrap { display: block; overflow: hidden; }
.hub-card__img {
  width: 100%;
  height: 180px;
  object-fit: cover;
  display: block;
  transition: transform .3s;
}
.hub-card:hover .hub-card__img { transform: scale(1.04); }
.hub-card__img--placeholder {
  height: 180px;
  background: linear-gradient(135deg, #e0e7ff 0%, #dbeafe 100%);
}
.hub-card__body { padding: 20px; }
.hub-card__cat {
  display: inline-block;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #1A73E8;
  background: #eff6ff;
  padding: 2px 8px;
  border-radius: 20px;
  margin-bottom: 10px;
}
.hub-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: #111827;
  line-height: 1.4;
  margin-bottom: 8px;
}
.hub-card__title a { color: inherit; text-decoration: none; }
.hub-card__title a:hover { color: #1A73E8; }
.hub-card__excerpt {
  font-size: .85rem;
  color: #6b7280;
  line-height: 1.6;
  margin-bottom: 12px;
}
.hub-card__meta {
  font-size: .8rem;
  color: #9ca3af;
}

/* Custom content area on hub pages */
.hub-custom-content {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  padding: 32px 36px;
  margin-bottom: 40px;
}

/* Responsive hub */
@media (max-width: 900px) {
  .hub-featured { grid-template-columns: 1fr; }
  .hub-featured__img { min-height: 220px; }
  .hub-grid { grid-template-columns: repeat(2, 1fr); }
  .hub-hero__title { font-size: 1.875rem; }
}
@media (max-width: 640px) {
  .hub-grid { grid-template-columns: 1fr; }
  .hub-featured__body { padding: 24px; }
  .hub-hero { padding: 32px 0 44px; }
  .hub-hero__title { font-size: 1.625rem; }
}

/* =========================================================
   RATES PAGE HERO — for /rates/best-myga-rates/ etc.
========================================================= */
.rates-page-hero {
  background: linear-gradient(135deg, #002440 0%, #004977 100%);
  padding: 28px 0 76px;
  color: #fff;
}
.rates-page-hero__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.rates-page-hero__eyebrow {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #7dd3fc;
  margin-bottom: 10px;
  display: block;
}
.rates-page-hero__title {
  font-size: 2.375rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
  line-height: 1.15;
  letter-spacing: -.03em;
}
.rates-page-hero__subtitle {
  font-size: 1rem;
  color: rgba(255,255,255,.82);
  line-height: 1.6;
  max-width: 600px;
  margin-bottom: 0;
}
.rates-page-body {
  background: #f8fafc;
  padding: 0 0 64px;
  margin-top: -24px;
}
.rates-page-body__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.rates-page-card {
  background: #fff;
  border-radius: 12px;
  border: 1px solid #e5e7eb;
  padding: 32px 36px;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
  margin-bottom: 32px;
}
@media (max-width: 640px) {
  .rates-page-card { padding: 20px; }
  .rates-page-hero__title { font-size: 1.5rem; }
}

/* =========================================================
   TABBED CALCULATOR PAGE
========================================================= */
.calc-tabs-wrap {
  background: #fff;
  border-radius: 12px;
  border: 1px solid #e5e7eb;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
  margin-bottom: 32px;
}
.calc-tab-nav {
  display: flex;
  background: #f8fafc;
  border-bottom: 2px solid #e5e7eb;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.calc-tab-btn {
  flex: 1;
  min-width: 140px;
  padding: 16px 24px;
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  font-size: .9375rem;
  font-weight: 600;
  color: #6b7280;
  cursor: pointer;
  transition: color .15s, border-color .15s;
  white-space: nowrap;
}
.calc-tab-btn:hover { color: #1A73E8; }
.calc-tab-btn.active { color: #1A73E8; border-bottom-color: #1A73E8; background: #fff; }
.calc-tab-panel { display: none; padding: 32px; }
.calc-tab-panel.active { display: block; }
@media (max-width: 640px) {
  .calc-tab-btn { padding: 12px 16px; font-size: .875rem; }
  .calc-tab-panel { padding: 20px; }
}


/* =========================================================
   RATE PAGE HERO — breadcrumb + meta additions
========================================================= */
.rates-page-hero__breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .8125rem;
  color: rgba(255,255,255,.65);
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.rates-page-hero__breadcrumb a {
  color: rgba(255,255,255,.65);
  text-decoration: none;
}
.rates-page-hero__breadcrumb a:hover { color: #fff; text-decoration: underline; }
.rates-page-hero__breadcrumb span:last-child { color: rgba(255,255,255,.9); }

.rates-page-hero__meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .8125rem;
  color: rgba(255,255,255,.6);
  margin-top: 18px;
  flex-wrap: wrap;
}
.rates-page-hero__meta-sep { opacity: .4; }

/* Override: rates-page-body needs top padding to clear the negative margin from hero */
.rates-page-body {
  padding-top: 32px;
}

/* State pages: add some breathing room above the rate table */
.rates-page-body__container > .rates-page-card:first-child {
  margin-top: 0;
}

/* Ensure the rates table inside the card has no extra top margin */
.rates-page-card .aj-rate-table-wrap { margin-top: 0; }


/* =========================================================
   RATES BY STATE — 50-state grid
========================================================= */
.aj-states-section { }

.aj-states-meta {
  font-size: .8125rem;
  color: #6b7280;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid #f1f3f5;
}

.aj-states-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
  margin-bottom: 24px;
}

.aj-state-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  padding: 16px 10px 14px;
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  text-decoration: none;
  color: inherit;
  transition: border-color .15s, box-shadow .15s, transform .15s;
  text-align: center;
}
.aj-state-card:hover {
  border-color: #1A73E8;
  box-shadow: 0 4px 12px rgba(26,115,232,.12);
  transform: translateY(-2px);
  text-decoration: none;
}

.aj-state-card__code {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: #1A73E8;
}
.aj-state-card__name {
  font-size: .8125rem;
  font-weight: 600;
  color: #111827;
  line-height: 1.3;
}
.aj-state-card__rate {
  font-size: 1.125rem;
  font-weight: 800;
  color: #111827;
  margin-top: 6px;
  line-height: 1;
}
.aj-state-card__term {
  font-size: .7rem;
  color: #6b7280;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.aj-states-disclaimer {
  font-size: .8rem;
  color: #9ca3af;
  line-height: 1.6;
  margin-top: 8px;
}

/* Responsive */
@media (max-width: 900px) {
  .aj-states-grid { grid-template-columns: repeat(4, 1fr); }
}
@media (max-width: 640px) {
  .aj-states-grid { grid-template-columns: repeat(3, 1fr); gap: 8px; }
  .aj-state-card { padding: 12px 8px; }
  .aj-state-card__name { font-size: .75rem; }
  .aj-state-card__rate { font-size: 1rem; }
}
@media (max-width: 400px) {
  .aj-states-grid { grid-template-columns: repeat(2, 1fr); }
}


/* Rate page sidebar additions */
.aj-widget--cta__carrier {
  font-size: .8rem;
  color: #6b7280;
  margin-bottom: 12px;
}
.aj-widget__link--active {
  font-weight: 700;
  color: #111827 !important;
}
.aj-widget__link--active::before {
  content: '→ ';
  color: #1A73E8;
}


/* =========================================================
   RATE PAGE — Author / Editorial Box
========================================================= */
.aj-rate-author-box {
  display: flex;
  gap: 32px;
  padding: 24px 0;
  border-top: 1px solid #f1f3f5;
  border-bottom: 1px solid #f1f3f5;
  margin: 32px 0 28px;
  flex-wrap: wrap;
}
.aj-rate-author-box__person {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 220px;
}
.aj-rate-author-box__avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #e0e7ff;
  color: #1A73E8;
  font-size: .75rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.aj-rate-author-box__avatar--blue {
  background: #dbeafe;
  color: #1d4ed8;
}
.aj-rate-author-box__info {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.aj-rate-author-box__role {
  font-size: .72rem;
  color: #9ca3af;
  text-transform: uppercase;
  letter-spacing: .05em;
  font-weight: 600;
}
.aj-rate-author-box__name {
  font-size: .9375rem;
  font-weight: 700;
  color: #111827;
}
.aj-rate-author-box__title {
  font-size: .8125rem;
  color: #6b7280;
}

/* =========================================================
   RATE PAGE — Research & Methodology
========================================================= */
.aj-rate-methodology {
  margin: 28px 0 32px;
  padding-top: 4px;
}
.aj-rate-methodology__title {
  font-size: 1.375rem;
  font-weight: 700;
  color: #111827;
  margin-bottom: 16px;
}
.aj-rate-methodology p {
  font-size: .9375rem;
  color: #374151;
  line-height: 1.7;
  margin-bottom: 12px;
}

/* =========================================================
   RATE PAGE — Learn More 3-Card Section
========================================================= */
.aj-rate-learn-more {
  background: #f8fafc;
  padding: 48px 0 56px;
  border-top: 1px solid #e5e7eb;
}
.aj-rate-learn-more__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.aj-rate-learn-more__eyebrow {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #6b7280;
  margin-bottom: 20px;
}
.aj-rate-learn-more__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.aj-rate-learn-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  padding: 28px 24px 32px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: box-shadow .2s, transform .2s;
}
.aj-rate-learn-card:hover {
  box-shadow: 0 6px 20px rgba(0,0,0,.08);
  transform: translateY(-2px);
  text-decoration: none;
}
.aj-rate-learn-card__icon {
  margin-bottom: 4px;
}
.aj-rate-learn-card__label {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #1A73E8;
}
.aj-rate-learn-card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: #111827;
  line-height: 1.35;
  margin: 0;
}
.aj-rate-learn-card__desc {
  font-size: .875rem;
  color: #6b7280;
  line-height: 1.6;
  margin: 0;
}

@media (max-width: 768px) {
  .aj-rate-learn-more__grid { grid-template-columns: 1fr; }
  .aj-rate-author-box { gap: 20px; }
}


/* =========================================================
   RATE HERO — Inline Author Bar
========================================================= */
.rates-page-hero__author-bar {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 20px;
  font-size: .875rem;
  color: rgba(255,255,255,.72);
}
.rates-page-hero__author-pill {
  display: flex;
  align-items: center;
  gap: 8px;
}
.rates-page-hero__author-avatar {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: rgba(255,255,255,.15);
  color: #fff;
  font-size: .625rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 1.5px solid rgba(255,255,255,.28);
  letter-spacing: .03em;
}
.rates-page-hero__author-sep {
  color: rgba(255,255,255,.22);
  font-size: 1.1rem;
}
.rates-page-hero__expert-badge {
  font-size: .75rem;
  font-weight: 700;
  color: #6ee7b7;
  letter-spacing: .03em;
}
.rates-page-hero__author-bar strong {
  color: #fff;
  font-weight: 600;
}
@media (max-width: 640px) {
  .rates-page-hero__author-bar { gap: 8px; font-size: .8125rem; }
  .rates-page-hero__author-sep { display: none; }
}

/* =========================================================
   SIDEBAR TOC — Minimal, no white box
========================================================= */
.aj-toc-sidebar {
  padding: 4px 0;
}
.aj-toc-sidebar__title {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: #6b7280;
  margin-bottom: 10px;
  padding: 0 2px;
}
.aj-toc-sidebar .aj-toc__list {
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.aj-toc-sidebar .aj-toc__item {
  padding: 6px 10px;
  border-radius: 6px;
  font-size: .875rem;
  color: #374151;
  text-decoration: none;
  display: block;
  transition: background .15s, color .15s;
  line-height: 1.4;
}
.aj-toc-sidebar .aj-toc__item:hover,
.aj-toc-sidebar .aj-toc__item.active {
  background: #eff6ff;
  color: #1A73E8;
}
.aj-toc-sidebar .aj-toc__empty {
  font-size: .875rem;
  color: #9ca3af;
  padding: 0 4px;
  margin: 0;
}

/* =========================================================
   ARTICLE — Compare By Term (4-card, bottom of article)
========================================================= */
.aj-rate-compare-terms {
  margin: 36px 0 32px;
  padding-top: 32px;
  border-top: 1px solid #f1f3f5;
}
.aj-rate-compare-terms__title {
  font-size: 1.25rem;
  font-weight: 700;
  color: #111827;
  margin-bottom: 20px;
}
.aj-rate-compare-terms__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 12px;
}
.aj-rate-compare-terms__card {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 18px 14px;
  background: #f8fafc;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  text-decoration: none;
  color: inherit;
  transition: border-color .15s, box-shadow .15s;
  text-align: center;
}
.aj-rate-compare-terms__card:hover {
  border-color: #1A73E8;
  box-shadow: 0 2px 8px rgba(26,115,232,.10);
  text-decoration: none;
}
.aj-rate-compare-terms__card--active {
  border-color: #1A73E8 !important;
  background: #eff6ff;
}
.aj-rate-compare-terms__term {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: #6b7280;
}
.aj-rate-compare-terms__rate {
  font-size: 1.5rem;
  font-weight: 800;
  color: #111827;
  letter-spacing: -.03em;
  line-height: 1;
  margin: 6px 0 4px;
}
.aj-rate-compare-terms__card--active .aj-rate-compare-terms__rate {
  color: #1A73E8;
}
.aj-rate-compare-terms__carrier {
  font-size: .7rem;
  color: #9ca3af;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.aj-rate-compare-terms__disclaimer {
  font-size: .75rem;
  color: #9ca3af;
  margin: 0;
}
@media (max-width: 640px) {
  .aj-rate-compare-terms__grid { grid-template-columns: repeat(2, 1fr); }
}

/* =========================================================
   BACK TO TOP BUTTON
========================================================= */
.aj-back-to-top {
  position: fixed;
  bottom: 32px;
  right: 28px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #1A73E8;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(26,115,232,.35);
  opacity: 0;
  transform: translateY(12px);
  transition: opacity .25s, transform .25s;
  z-index: 999;
  pointer-events: none;
}
.aj-back-to-top--visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.aj-back-to-top:hover {
  background: #1557b0;
  box-shadow: 0 6px 16px rgba(26,115,232,.45);
}
@media (max-width: 640px) {
  .aj-back-to-top { bottom: 20px; right: 16px; width: 40px; height: 40px; }
}

/* =========================================================
   MOBILE ARTICLE LAYOUT FIXES — March 25 2026
   Ported from MAS page-article-layout.php
   ========================================================= */

/* Sticky sidebar — desktop only */
@media (min-width: 901px) {
  .aj-sidebar {
    position: sticky;
    top: 88px;
    max-height: calc(100vh - 96px);
    overflow-y: auto;
    scrollbar-width: none;
  }
  .aj-sidebar::-webkit-scrollbar { display: none; }
}

/* Widget title: darker for readability (was #9ca3af) */
.aj-widget__title {
  color: #4a5568 !important;
}

/* Mobile: white page background — no grey strips on sides */
@media (max-width: 640px) {
  .aj-single {
    background: #fff !important;
  }
  .aj-article {
    box-shadow: none !important;
    border-radius: 0 !important;
  }
}