/**
 * first-time-guide.css — /buyers/first-time/
 *
 * Editorial redesign v2. Organized by concern, no rule conflicts,
 * true zig-zag roadmap, magazine-style pull-quote callouts, refined
 * loan comparison, mobile sticky CTA, chapter openers.
 *
 * Sections in order:
 *   1. Tokens & base
 *   2. Skip link, progress bar, bookmark banner
 *   3. Hero
 *   4. Disclaimer band
 *   5. Layout (TOC + article)
 *   6. Chapter openers
 *   7. Section base + typography
 *   8. Callouts (pull-quote style)
 *   9. Three-numbers block
 *  10. Roadmap (mobile timeline + desktop zig-zag)
 *  11. Loan comparison
 *  12. Comfort Payment Calculator
 *  13. Checklist (interactive)
 *  14. Worksheets
 *  15. FAQ
 *  16. Glossary + tooltips
 *  17. Resources + final CTA
 *  18. Mobile sticky contact CTA
 *  19. Motion + high-contrast
 *  20. Print
 */

/* ══════════════════════════════════════════════════════════════
   1. TOKENS & BASE
   ══════════════════════════════════════════════════════════════ */
/* ── Site-wide justify + auto-hyphens is inappropriate for this guide.
   Override at page-root so every paragraph reads with natural word spacing. */
.ftg-page,
.ftg-page p,
.ftg-page li,
.ftg-page dd,
.ftg-page .ftg-lead,
.ftg-page .ftg-section p,
.ftg-page .ftg-section li,
.ftg-page .ftg-callout,
.ftg-page .ftg-callout p,
.ftg-page .ftg-buckets dd,
.ftg-page .ftg-loan-card dd,
.ftg-page .ftg-faq-body p,
.ftg-page .ftg-glossary dd,
.ftg-page .ftg-stage-card p,
.ftg-page .ftg-path-card p,
.ftg-page .ftg-chapter-blurb {
    text-align: left !important;
    hyphens: manual !important;
    -webkit-hyphens: manual !important;
    -moz-hyphens: manual !important;
    text-wrap: pretty;
}

.ftg-page {
    --ftg-ink:      var(--color-ink, #1a1a1a);
    --ftg-ink-2:    #3a3a3a;
    --ftg-honey:    var(--color-honey, #d4a04a);
    --ftg-honey-dk: var(--color-honey-dark, #8b6420);
    --ftg-sage:     #405a50;
    --ftg-sage-tint:#e2ede6;
    --ftg-cream:    var(--color-cream, #faf6ee);
    --ftg-tint:     #f7edda;
    --ftg-border:   #ded8cc;
    --ftg-mute:     var(--color-mute, #6b6b6b);
    --ftg-line:     #ebe4d3;

    --ftg-font-body:    var(--font-body);
    --ftg-font-display: var(--font-display);

    background: #fff;
    color: var(--ftg-ink);
}

/* ══════════════════════════════════════════════════════════════
   2. SKIP LINK / PROGRESS BAR / BOOKMARK BANNER
   ══════════════════════════════════════════════════════════════ */
.ftg-page .skip-link {
    position: absolute; left: -9999px; top: auto; z-index: 1000;
    background: var(--ftg-ink); color: #fff;
    padding: 12px 18px; border-radius: 0 0 6px 6px;
    text-decoration: none; font-weight: 700;
}
.ftg-page .skip-link:focus { left: 12px; top: 12px; }

.ftg-progressbar {
    position: fixed; top: 0; left: 0; right: 0;
    height: 3px; z-index: 999;
    background: transparent; pointer-events: none;
}
.ftg-progressbar-fill {
    height: 100%; width: 0;
    background: linear-gradient(90deg, var(--ftg-honey), #e6b452);
    transition: width .12s linear;
    box-shadow: 0 1px 4px rgba(199, 149, 50, .35);
}

.ftg-bookmark {
    background: var(--ftg-tint);
    border-bottom: 1px solid var(--ftg-honey);
    padding: 10px 0;
    animation: ftg-slide-in .28s ease-out;
}
@keyframes ftg-slide-in { from { transform: translateY(-100%); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.ftg-bookmark-inner { display: flex; align-items: center; gap: 12px; }
.ftg-bookmark-icon {
    font-size: 1.2rem; color: var(--ftg-honey); font-weight: 700;
    display: inline-block; transform: rotate(180deg);
}
.ftg-bookmark p { margin: 0; flex: 1; font-size: .92rem; color: var(--ftg-ink); }
.ftg-bookmark a { color: var(--ftg-sage); font-weight: 700; }
.ftg-bookmark-dismiss {
    background: transparent; border: none; font-size: 1.4rem;
    cursor: pointer; color: var(--ftg-mute);
    padding: 0 6px; line-height: 1;
    min-width: 36px; min-height: 36px;
}
.ftg-bookmark-dismiss:hover, .ftg-bookmark-dismiss:focus { color: var(--ftg-ink); }

/* ══════════════════════════════════════════════════════════════
   3. HERO
   ══════════════════════════════════════════════════════════════ */
/* Compact, above-the-fold hero. No hero art anymore — the promise is the
   H1, the primary CTA, and the reassurance. Nothing else earns the pixels. */
.ftg-hero {
    position: relative;
    background: linear-gradient(180deg, var(--ftg-cream) 0%, #fff 100%);
    padding: clamp(28px, 4vw, 56px) 0 clamp(28px, 4vw, 48px);
    overflow: hidden;
}
.ftg-hero-inner {
    max-width: 720px;
    position: relative; z-index: 2;
}

.ftg-eyebrow {
    text-transform: uppercase; letter-spacing: .14em;
    font-size: .74rem; font-weight: 700;
    color: var(--ftg-honey-dk);
    margin-bottom: 14px;
}
.ftg-h1 {
    font-family: var(--ftg-font-display);
    font-size: clamp(2rem, 4.4vw, 3.4rem);
    line-height: 1.06;
    letter-spacing: -.015em;
    font-weight: 700;
    margin: 0 0 18px;
    color: var(--ftg-ink);
    max-width: 22ch;
}
.ftg-lead {
    font-size: clamp(1rem, 1.3vw, 1.13rem);
    line-height: 1.55;
    margin: 0 0 22px;
    max-width: 56ch;
    color: var(--ftg-ink-2);
}

.ftg-cta-row {
    display: flex; flex-wrap: wrap; gap: 12px;
    align-items: center;
    margin: 0 0 16px;
}
.ftg-cta-meta {
    display: inline-block; margin-left: 6px;
    font-size: .78rem; font-weight: 400; opacity: .85;
}

.ftg-hero-reassurance {
    font-size: .96rem;
    color: var(--ftg-ink-2);
    margin: 0 0 20px;
    max-width: 58ch;
    line-height: 1.55;
    padding: 10px 14px;
    background: rgba(255, 255, 255, .55);
    border-left: 3px solid var(--ftg-honey);
    border-radius: 0 6px 6px 0;
}

.ftg-hero-meta {
    display: flex; flex-wrap: wrap;
    gap: 8px 20px;
    margin: 0;
    font-size: .84rem; color: var(--ftg-mute);
}
.ftg-hero-meta-item {
    display: inline-flex; align-items: center; gap: 6px;
}
.ftg-hero-meta-item svg { color: var(--ftg-honey); flex-shrink: 0; }
.ftg-hero-meta-item strong { color: var(--ftg-ink); font-weight: 700; }

/* ══════════════════════════════════════════════════════════════
   3B. STAGE SELECTOR — "Where are you right now?"
   4 balanced cards, no orphan, whole card is the primary action.
   ══════════════════════════════════════════════════════════════ */
.ftg-stages {
    padding: 40px 0 36px;
    background: #fff;
    border-bottom: 1px solid var(--ftg-line);
    scroll-margin-top: calc(var(--header-h, 88px) + 12px);
}
.ftg-stages-header { max-width: 720px; margin: 0 0 22px; }
.ftg-stages-title {
    font-family: var(--ftg-font-display);
    font-size: clamp(1.5rem, 2.6vw, 2.1rem);
    font-weight: 700;
    color: var(--ftg-ink);
    margin: 0 0 8px;
}
.ftg-stages-lead {
    color: var(--ftg-ink-2);
    font-size: 1rem;
    line-height: 1.55;
    margin: 0;
    max-width: 62ch;
}
.ftg-stages-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}
@media (min-width: 1080px) {
    .ftg-stages-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}
.ftg-stage-card {
    display: flex; flex-direction: column;
    padding: 18px 20px 20px;
    background: #fff;
    border: 1px solid var(--ftg-border);
    border-radius: 12px;
    color: var(--ftg-ink);
    text-decoration: none;
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
    position: relative;
    isolation: isolate;
}
.ftg-stage-card:hover, .ftg-stage-card:focus-visible {
    transform: translateY(-3px);
    border-color: var(--ftg-honey);
    box-shadow: 0 8px 24px rgba(199, 149, 50, .18);
    outline: none;
}
.ftg-stage-card:focus-visible {
    outline: 2px solid var(--ftg-honey);
    outline-offset: 3px;
}
.ftg-stage-badge {
    display: inline-block;
    padding: 3px 10px;
    background: var(--ftg-tint);
    color: var(--ftg-honey-dk);
    font-size: .7rem;
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
    border-radius: 999px;
    margin-bottom: 12px;
    align-self: flex-start;
}
.ftg-stage-card h3 {
    font-family: var(--ftg-font-display);
    font-size: 1.08rem;
    font-weight: 700;
    line-height: 1.2;
    margin: 0 0 10px;
    color: var(--ftg-ink);
    /* Cap heading length so cards stay visually balanced */
    max-width: 22ch;
}
.ftg-stage-card p {
    font-size: .92rem;
    line-height: 1.5;
    color: var(--ftg-ink-2);
    margin: 0 0 16px;
    flex-grow: 1;
}
.ftg-stage-target {
    display: block;
    padding-top: 12px;
    border-top: 1px solid var(--ftg-line);
    color: var(--ftg-ink);
    font-size: .92rem;
    line-height: 1.4;
}
.ftg-stage-target-label {
    display: block;
    font-size: .68rem;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--ftg-mute);
    font-weight: 700;
    margin-bottom: 4px;
}
.ftg-stage-target strong { color: var(--ftg-honey-dk); font-weight: 700; }

.ftg-stages-else {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: 22px;
    padding: 14px 18px;
    color: var(--ftg-mute);
    font-size: .96rem;
}

/* ══════════════════════════════════════════════════════════════
   4. DISCLAIMER BAND (early educational disclaimer)
   ══════════════════════════════════════════════════════════════ */
.ftg-disclaimer {
    background: #fff8ec;
    border-top: 1px solid var(--ftg-border);
    border-bottom: 1px solid var(--ftg-border);
    padding: 18px 0;
    font-size: .92rem; color: #4a4133;
    line-height: 1.55;
}
.ftg-disclaimer p { margin: 0; }

/* ══════════════════════════════════════════════════════════════
   5. LAYOUT — sticky TOC + article
   ══════════════════════════════════════════════════════════════ */
.ftg-layout {
    display: grid;
    grid-template-columns: 260px minmax(0, 1fr);
    gap: 56px;
    padding: 48px 20px 80px;
    max-width: 1220px;
}
.ftg-mobile-nav { display: none; grid-column: 1 / -1; margin: 0 0 12px; }
.ftg-mobile-nav-label { display: block; margin-bottom: 6px; font-weight: 700; }
.ftg-jump-select {
    width: 100%; padding: 12px 14px;
    border: 1px solid var(--ftg-border);
    border-radius: 8px; font-size: 1rem;
    background: #fff; color: var(--ftg-ink);
    min-height: 48px;
}

.ftg-toc {
    align-self: start;
    position: sticky;
    top: calc(var(--header-h, 88px) + 16px);
    /* No max-height / overflow — let it scroll naturally with the page so
       we don't create a competing scroll region. */
    font-size: .9rem;
    padding-right: 12px;
}
.ftg-toc-title {
    font-size: .74rem; text-transform: uppercase; letter-spacing: .12em;
    color: var(--ftg-mute); margin: 0 0 14px; font-weight: 700;
}

.ftg-toc-chapter { margin-bottom: 16px; }
.ftg-toc-chapter-h {
    font-family: var(--ftg-font-display);
    font-size: .96rem; font-weight: 700;
    color: var(--ftg-ink);
    margin: 0 0 6px;
    padding-bottom: 4px;
    border-bottom: 1px solid var(--ftg-line);
    display: flex; align-items: baseline; gap: 8px;
}
.ftg-toc-chapter-num {
    color: var(--ftg-honey);
    font-size: .74rem; font-weight: 800;
    letter-spacing: .08em;
}
.ftg-toc-list {
    list-style: none; padding: 0; margin: 0;
    line-height: 1.65;
}
.ftg-toc-list a {
    color: var(--ftg-ink-2);
    text-decoration: none;
    display: block;
    padding: 3px 0 3px 10px;
    border-left: 3px solid transparent;
    margin-left: -10px;
    transition: color .15s, border-color .15s, background .15s;
}
.ftg-toc-list a:hover, .ftg-toc-list a:focus {
    color: var(--ftg-honey-dk);
    border-left-color: var(--ftg-tint);
}
.ftg-toc-list li.is-active > a {
    color: var(--ftg-honey-dk);
    font-weight: 700;
    border-left-color: var(--ftg-honey);
    background: var(--ftg-tint);
}

/* ══════════════════════════════════════════════════════════════
   6. CHAPTER OPENERS
   ══════════════════════════════════════════════════════════════ */
.ftg-content { max-width: 780px; }
.ftg-content > .ftg-chapter:first-child { margin-top: 0; }

.ftg-chapter { margin: 72px 0 0; }
.ftg-chapter:first-child { margin-top: 0; }

.ftg-chapter-opener {
    display: grid;
    grid-template-columns: auto 1fr;
    align-items: baseline;
    gap: 24px;
    padding: 24px 0 20px;
    border-bottom: 1px solid var(--ftg-honey);
    margin-bottom: 8px;
}
.ftg-chapter-num {
    font-family: var(--ftg-font-display);
    font-size: clamp(3rem, 6vw, 4.5rem);
    line-height: 1;
    font-weight: 700;
    color: var(--ftg-honey);
    letter-spacing: -.02em;
}
.ftg-chapter-title {
    font-family: var(--ftg-font-display);
    font-size: clamp(1.5rem, 2.6vw, 2.1rem);
    line-height: 1.1;
    font-weight: 700;
    color: var(--ftg-ink);
    margin: 0 0 6px;
}
.ftg-chapter-blurb {
    font-size: .95rem; color: var(--ftg-mute);
    margin: 0; line-height: 1.5;
}

@media (max-width: 599px) {
    .ftg-chapter-opener {
        grid-template-columns: 1fr;
        gap: 6px;
    }
    .ftg-chapter { margin-top: 48px; }
}

/* ══════════════════════════════════════════════════════════════
   7. SECTION BASE + TYPOGRAPHY
   ══════════════════════════════════════════════════════════════ */
.ftg-content section { scroll-margin-top: 100px; }
.ftg-section {
    padding: 32px 0 40px;
}
.ftg-section:last-of-type { padding-bottom: 60px; }
.ftg-section > h2 {
    font-family: var(--ftg-font-display);
    font-size: clamp(1.7rem, 2.8vw, 2.15rem);
    line-height: 1.15;
    letter-spacing: -.01em;
    font-weight: 700;
    margin: 0 0 22px;
    color: var(--ftg-ink);
}
.ftg-section > h3 {
    font-family: var(--ftg-font-display);
    font-size: 1.32rem;
    line-height: 1.25;
    font-weight: 700;
    margin: 40px 0 12px;
    color: var(--ftg-ink);
}
.ftg-section > h4 { font-size: 1.02rem; margin: 26px 0 8px; font-weight: 700; }
.ftg-section p, .ftg-section li, .ftg-section dd {
    line-height: 1.72;
    color: var(--ftg-ink-2);
    font-size: 1.02rem;
}
.ftg-section p { margin: 0 0 18px; }
.ftg-section ul, .ftg-section ol {
    padding-left: 26px;
    margin: 0 0 20px;
}
.ftg-section li { margin: 7px 0; }
.ftg-section a {
    color: var(--ftg-sage);
    text-underline-offset: 3px;
}
.ftg-section a:hover, .ftg-section a:focus { color: var(--ftg-honey-dk); }

.ftg-section-h { /* used inside chapter body for the section H2 alt */ }

/* ══════════════════════════════════════════════════════════════
   8. CALLOUTS — magazine pull-quote style
   ══════════════════════════════════════════════════════════════ */
.ftg-callout {
    position: relative;
    background: var(--ftg-cream);
    border-left: 4px solid var(--ftg-honey);
    padding: 24px 28px 22px 34px;
    border-radius: 0 8px 8px 0;
    margin: 32px 0;
    font-size: 1.02rem;
    line-height: 1.65;
}
.ftg-callout::before {
    content: "";
    display: none;   /* base callouts: no giant quote */
}
.ftg-callout p { margin: 0 0 8px; color: var(--ftg-ink); }
.ftg-callout p:last-child { margin-bottom: 0; }
.ftg-callout ul { margin: 10px 0 0; padding-left: 22px; }
.ftg-callout ul li { color: var(--ftg-ink); }
.ftg-callout strong { color: var(--ftg-honey-dk); }

/* Perspective + question = magazine pull-quote with oversized " */
.ftg-callout--perspective,
.ftg-callout--question {
    background: transparent;
    border-left: none;
    padding: 12px 20px 12px 68px;
    margin: 40px 0;
    font-family: var(--ftg-font-display);
    font-size: clamp(1.15rem, 1.8vw, 1.3rem);
    font-style: italic;
    line-height: 1.45;
    color: var(--ftg-ink);
    border-radius: 0;
}
.ftg-callout--perspective::before,
.ftg-callout--question::before {
    content: "\201C"; /* left double quotation mark */
    display: block;
    position: absolute;
    left: 0; top: -20px;
    font-family: var(--ftg-font-display);
    font-size: 6rem;
    font-style: normal;
    line-height: 1;
    color: var(--ftg-honey);
    opacity: .85;
}
.ftg-callout--perspective p,
.ftg-callout--question p {
    color: var(--ftg-ink);
}
.ftg-callout--perspective strong,
.ftg-callout--question strong {
    display: block;
    font-family: var(--ftg-font-body);
    font-style: normal;
    font-size: .82rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--ftg-honey-dk);
    margin-top: 12px;
}

/* Tip = sage highlight */
.ftg-callout--tip {
    border-left-color: var(--ftg-sage);
    background: var(--ftg-sage-tint);
}
.ftg-callout--tip strong { color: var(--ftg-sage); }

/* Guardrail = coral warning */
.ftg-callout--guardrail {
    border-left-color: #b03434;
    background: #fdf3f0;
}
.ftg-callout--guardrail strong { color: #b03434; }

/* ══════════════════════════════════════════════════════════════
   9. THREE-NUMBERS BLOCK
   ══════════════════════════════════════════════════════════════ */
.ftg-three-numbers {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 18px;
    margin: 24px 0 28px;
}
.ftg-num {
    background: #fff;
    border: 1px solid var(--ftg-border);
    border-top: 3px solid var(--ftg-honey);
    padding: 22px;
    border-radius: 10px;
    transition: transform .18s ease, box-shadow .18s ease;
}
.ftg-num:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 22px rgba(199, 149, 50, .18);
}
.ftg-num-label {
    font-family: var(--ftg-font-display);
    font-weight: 700;
    font-size: 1.15rem;
    color: var(--ftg-ink);
    margin-bottom: 6px;
}
.ftg-num p { margin: 0; font-size: .96rem; color: var(--ftg-ink-2); }

/* ══════════════════════════════════════════════════════════════
  10. ROADMAP — mobile timeline + desktop zig-zag
       (defined ONCE, no conflicts)
   ══════════════════════════════════════════════════════════════ */
.ftg-roadmap {
    list-style: none; padding: 0; margin: 32px 0 0;
    position: relative;
}
.ftg-step {
    display: grid;
    padding: 14px 0 22px;
    position: relative;
    /* mobile default: 3-col grid — num icon body */
    grid-template-columns: 44px 34px 1fr;
    gap: 14px;
    align-items: start;
    border-left: 2px solid var(--ftg-border);
    margin-left: 20px;
    padding-left: 22px;
}
.ftg-step:last-child { border-left-color: transparent; padding-bottom: 6px; }

.ftg-step-num {
    position: absolute;
    left: -20px; top: 8px;
    width: 40px; height: 40px;
    border-radius: 50%;
    background: var(--ftg-honey);
    color: #fff;
    display: grid; place-items: center;
    font-weight: 900; font-size: 1rem;
    box-shadow: 0 2px 8px rgba(0,0,0,.14);
    z-index: 2;
}
.ftg-step-icon {
    grid-column: 2;
    color: var(--ftg-sage);
    padding-top: 4px;
    display: none;
}
@media (min-width: 520px) and (max-width: 719px) {
    .ftg-step-icon { display: block; }
}
.ftg-step-body { grid-column: 3 / -1; padding-top: 6px; }
.ftg-step-title {
    margin: 0 0 6px;
    font-family: var(--ftg-font-display);
    font-size: 1.14rem; font-weight: 700;
}
.ftg-step-title a { color: var(--ftg-ink); text-decoration: none; }
.ftg-step-title a:hover, .ftg-step-title a:focus {
    color: var(--ftg-honey-dk); text-decoration: underline;
}
.ftg-step-body p { margin: 0; color: var(--ftg-ink-2); font-size: .96rem; }

.ftg-step-status {
    display: inline-block;
    margin-top: 10px;
    padding: 3px 12px;
    font-size: .75rem; font-weight: 700;
    border-radius: 999px;
    letter-spacing: .04em;
    text-transform: uppercase;
}
.ftg-step-status[data-progress="none"]     { display: none; }
.ftg-step-status[data-progress="partial"]  { background: var(--ftg-tint); color: var(--ftg-honey-dk); }
.ftg-step-status[data-progress="complete"] { background: var(--ftg-sage-tint); color: var(--ftg-sage); }
.ftg-step-status[data-progress="complete"]::before { content: "✓ "; font-weight: 900; }

/* Desktop zig-zag layout — takes over at 720px+ */
@media (min-width: 720px) {
    .ftg-roadmap::before {
        content: "";
        position: absolute;
        top: 20px; bottom: 40px;
        left: 50%; transform: translateX(-50%);
        width: 2px;
        background: linear-gradient(180deg, var(--ftg-border) 0%, var(--ftg-border) 90%, transparent 100%);
        z-index: 0;
    }
    .ftg-step {
        grid-template-columns: 1fr 60px 1fr;
        gap: 20px;
        padding: 32px 0;
        border-left: none;
        margin-left: 0;
        padding-left: 0;
        min-height: 130px;
        align-items: center;
    }
    .ftg-step-icon { display: none !important; }
    .ftg-step-num {
        position: relative; left: auto; top: auto;
        grid-column: 2 / 3;
        width: 60px; height: 60px;
        font-size: 1.2rem;
        margin: 0 auto;
        border: 4px solid #fff;
        outline: 2px solid var(--ftg-border);
    }
    .ftg-step-body {
        grid-column: 1 / 2;
        padding: 22px 28px;
        background: #fff;
        border: 1px solid var(--ftg-border);
        border-radius: 12px;
        box-shadow: 0 3px 14px rgba(64, 90, 80, .07);
        text-align: right;
        position: relative;
        transition: transform .18s ease, box-shadow .18s ease;
    }
    .ftg-step:hover .ftg-step-body {
        transform: translateY(-2px);
        box-shadow: 0 6px 22px rgba(64, 90, 80, .12);
    }
    .ftg-step:nth-child(even) .ftg-step-body {
        grid-column: 3 / 4;
        text-align: left;
    }
    /* Arrow pointer from card to spine */
    .ftg-step-body::after {
        content: "";
        position: absolute;
        top: 50%; right: -8px;
        width: 16px; height: 16px;
        background: #fff;
        border-right: 1px solid var(--ftg-border);
        border-top: 1px solid var(--ftg-border);
        transform: translateY(-50%) rotate(45deg);
    }
    .ftg-step:nth-child(even) .ftg-step-body::after {
        right: auto; left: -8px;
        border-right: none; border-top: none;
        border-left: 1px solid var(--ftg-border);
        border-bottom: 1px solid var(--ftg-border);
    }
    .ftg-step-title { font-size: 1.24rem; margin-bottom: 8px; }
    .ftg-step-body p { color: var(--ftg-ink-2); font-size: .98rem; }

    /* Completed = sage-tinted card */
    .ftg-step[data-complete="true"] .ftg-step-body {
        background: var(--ftg-sage-tint);
        border-color: var(--ftg-sage);
    }
    .ftg-step[data-complete="true"] .ftg-step-body::after {
        background: var(--ftg-sage-tint);
        border-color: var(--ftg-sage);
    }
    .ftg-step[data-complete="true"] .ftg-step-num {
        background: var(--ftg-sage);
        outline-color: var(--ftg-sage);
        box-shadow: 0 0 0 4px rgba(64, 90, 80, .15);
    }
}

/* ══════════════════════════════════════════════════════════════
  11. LOAN COMPARISON
   ══════════════════════════════════════════════════════════════ */
.ftg-loan-note {
    font-size: .9rem; color: var(--ftg-mute); font-style: italic;
    margin: 10px 0 20px;
    padding: 10px 14px;
    background: #fff8ec;
    border-left: 3px solid var(--ftg-honey);
    border-radius: 0 4px 4px 0;
}

.ftg-loan-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 16px;
    margin: 20px 0 28px;
}
.ftg-loan-card {
    background: #fff;
    border: 1px solid var(--ftg-border);
    border-top: 4px solid var(--ftg-honey);
    border-radius: 10px;
    padding: 22px 22px 18px;
    transition: transform .18s ease, box-shadow .18s ease;
}
.ftg-loan-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 24px rgba(199, 149, 50, .18);
}
.ftg-loan-card h4 {
    margin: 0 0 14px;
    font-family: var(--ftg-font-display);
    font-size: 1.2rem;
    color: var(--ftg-ink);
    font-weight: 700;
}
.ftg-loan-card dt {
    font-size: .74rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--ftg-mute);
    margin-top: 14px;
    font-weight: 700;
}
.ftg-loan-card dt:first-child { margin-top: 0; }
.ftg-loan-card dd {
    margin: 5px 0 0;
    font-size: .94rem;
    line-height: 1.55;
    color: var(--ftg-ink-2);
}

/* ══════════════════════════════════════════════════════════════
  12. COMFORT PAYMENT CALCULATOR
   ══════════════════════════════════════════════════════════════ */
.ftg-calc {
    background: var(--ftg-cream);
    border: 1px solid var(--ftg-border);
    border-radius: 12px;
    padding: 26px 28px;
    margin: 20px 0 26px;
}
.ftg-calc-inputs {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px 20px;
}
.ftg-calc-field {
    display: flex; flex-direction: column; gap: 6px;
}
.ftg-calc-field span {
    font-size: .8rem; font-weight: 700;
    color: var(--ftg-mute);
    text-transform: uppercase; letter-spacing: .06em;
}
.ftg-calc-inputwrap {
    display: flex; align-items: center;
    background: #fff;
    border: 1px solid var(--ftg-border);
    border-radius: 8px;
    padding: 0 14px;
    transition: border-color .15s, box-shadow .15s;
    min-height: 48px;
}
.ftg-calc-inputwrap:focus-within {
    border-color: var(--ftg-honey);
    box-shadow: 0 0 0 3px rgba(199, 149, 50, .18);
}
.ftg-calc-prefix { color: var(--ftg-mute); font-weight: 700; padding-right: 4px; }
.ftg-calc-inputwrap input {
    flex: 1; border: none; padding: 12px 0;
    font-size: 1.02rem; background: transparent;
    color: var(--ftg-ink); outline: none; min-width: 0;
}
.ftg-calc-result {
    background: #fff;
    border: 2px solid var(--ftg-honey);
    border-radius: 10px;
    padding: 24px 24px 22px;
    margin-top: 22px;
    text-align: center;
}
.ftg-calc-result-label {
    font-size: .8rem; text-transform: uppercase; letter-spacing: .08em;
    color: var(--ftg-mute); font-weight: 700;
    margin-bottom: 8px;
}
.ftg-calc-result-value {
    font-family: var(--ftg-font-display);
    font-size: clamp(2.2rem, 5.5vw, 3.2rem);
    color: var(--ftg-honey-dk);
    font-weight: 700;
    line-height: 1.05;
    letter-spacing: -.015em;
}
.ftg-calc-result-note {
    margin: 12px 0 0;
    color: var(--ftg-ink-2);
    font-size: .92rem;
    max-width: 48ch;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.5;
}
.ftg-calc [data-calc-reset] { display: block; margin: 14px auto 0; }
.ftg-calc[data-state="negative"] .ftg-calc-result { border-color: #b03434; }
.ftg-calc[data-state="negative"] .ftg-calc-result-value { color: #b03434; }

/* ══════════════════════════════════════════════════════════════
  13. CHECKLIST (interactive)
   ══════════════════════════════════════════════════════════════ */
.ftg-checklist-toolbar {
    display: flex; align-items: center; gap: 14px;
    flex-wrap: wrap;
    padding: 16px 18px;
    background: var(--ftg-cream);
    border: 1px solid var(--ftg-border);
    border-radius: 10px;
    margin: 14px 0 22px;
}
.ftg-progress { flex: 1 1 220px; font-weight: 700; color: var(--ftg-ink); }
.ftg-progress strong { color: var(--ftg-honey-dk); }

.ftg-checklist-status {
    color: var(--ftg-sage); font-size: .9rem;
    padding: 0 4px; min-height: 1.4em;
}

.ftg-checklist-group {
    border: 1px solid var(--ftg-border);
    border-radius: 10px;
    padding: 16px 20px;
    margin-bottom: 18px;
    background: #fff;
}
.ftg-checklist-group legend {
    font-weight: 800; color: var(--ftg-honey-dk);
    text-transform: uppercase; letter-spacing: .08em;
    font-size: .82rem;
    padding: 0 10px;
}
.ftg-checklist { list-style: none; padding: 0; margin: 0; }
.ftg-checklist--display li {
    padding: 6px 0 6px 30px;
    position: relative;
}
.ftg-checklist--display li::before {
    content: ""; position: absolute; left: 0; top: 10px;
    width: 16px; height: 16px;
    border: 2px solid var(--ftg-honey);
    border-radius: 4px; background: #fff;
}

.ftg-checklist--interactive li { padding: 2px 0; }
.ftg-checklist--interactive label {
    display: flex; align-items: flex-start; gap: 12px;
    padding: 12px 8px;
    min-height: 48px;
    line-height: 1.4;
    cursor: pointer;
    border-radius: 6px;
}
.ftg-checklist--interactive label:hover { background: var(--ftg-cream); }
.ftg-checklist--interactive input[type="checkbox"] {
    width: 20px; height: 20px;
    margin-top: 3px;
    flex-shrink: 0; cursor: pointer;
    accent-color: var(--ftg-honey);
}
.ftg-checklist--interactive input:checked + span {
    color: var(--ftg-mute);
    text-decoration: line-through;
}

/* Fill-in blanks */
.ftg-fillins { list-style: none; padding: 0; }
.ftg-fillins li { padding: 10px 0; border-bottom: 1px dashed var(--ftg-border); color: var(--ftg-ink-2); }
.ftg-blank {
    display: inline-block; min-width: 40%;
    border-bottom: 1px solid var(--ftg-ink);
    height: 1.2em; vertical-align: bottom;
}

/* Buckets */
.ftg-buckets {
    background: #fff;
    border: 1px solid var(--ftg-border);
    padding: 20px 24px;
    border-radius: 10px;
    margin: 20px 0;
}
.ftg-buckets dt {
    font-weight: 800;
    color: var(--ftg-ink);
    margin-top: 14px;
    font-family: var(--ftg-font-display);
    font-size: 1.05rem;
}
.ftg-buckets dt:first-child { margin-top: 0; }
.ftg-buckets dd { margin: 4px 0 0; color: var(--ftg-ink-2); }

/* ══════════════════════════════════════════════════════════════
  14. WORKSHEETS
   ══════════════════════════════════════════════════════════════ */
.ftg-worksheet-toolbar { margin: 10px 0 18px; }
.ftg-worksheet {
    background: #fff;
    border: 1px solid var(--ftg-border);
    padding: 22px 24px;
    border-radius: 10px;
    margin: 20px 0;
}
.ftg-worksheet h3 { margin-top: 0 !important; }
.ftg-worksheet-table { width: 100%; border-collapse: collapse; margin: 10px 0; }
.ftg-worksheet-table th,
.ftg-worksheet-table td {
    padding: 10px 6px;
    border-bottom: 1px solid var(--ftg-border);
    vertical-align: middle;
}
.ftg-worksheet-table th[scope="col"] {
    text-align: left;
    color: var(--ftg-mute);
    font-size: .8rem;
    text-transform: uppercase;
    letter-spacing: .06em;
    font-weight: 700;
}
.ftg-worksheet-table th[scope="row"] {
    font-weight: 500;
    color: var(--ftg-ink);
    text-align: left;
    padding-right: 12px;
}
.ftg-right { text-align: right; }
.ftg-worksheet-table input[type="text"],
.ftg-score-grid input[type="text"] {
    width: 100%; padding: 10px 12px;
    border: 1px solid var(--ftg-border);
    border-radius: 6px;
    font-size: .96rem;
    min-height: 44px;
}
.ftg-worksheet-note {
    font-size: .88rem; color: var(--ftg-mute);
    font-style: italic; margin: 10px 0 0;
}
.ftg-score-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
}
.ftg-score-grid label {
    display: flex; flex-direction: column;
    font-size: .82rem;
    color: var(--ftg-mute);
    gap: 4px;
}
.ftg-score-grid .ftg-full { grid-column: 1 / -1; }
.ftg-score-grid fieldset {
    grid-column: 1 / -1;
    border: 1px solid var(--ftg-border);
    border-radius: 6px;
    padding: 12px 16px;
}
.ftg-score-grid legend {
    padding: 0 6px;
    font-size: .82rem;
    color: var(--ftg-mute);
}
.ftg-score-grid fieldset label {
    display: inline-block;
    flex-direction: row;
    margin-right: 20px;
    color: var(--ftg-ink);
}

/* ══════════════════════════════════════════════════════════════
  15. FAQ (native details/summary)
   ══════════════════════════════════════════════════════════════ */
.ftg-faq {
    border: 1px solid var(--ftg-border);
    border-radius: 8px;
    padding: 0;
    margin: 10px 0;
    background: #fff;
    transition: border-color .15s;
}
.ftg-faq[open] {
    border-color: var(--ftg-honey);
    box-shadow: 0 2px 12px rgba(199, 149, 50, .1);
}
.ftg-faq summary {
    cursor: pointer;
    padding: 16px 20px;
    font-weight: 700;
    color: var(--ftg-ink);
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    min-height: 48px;
    font-size: 1rem;
}
.ftg-faq summary::-webkit-details-marker { display: none; }
.ftg-faq summary::after {
    content: "+";
    color: var(--ftg-honey);
    font-size: 1.3rem;
    font-weight: 800;
    margin-left: 10px;
    transition: transform .18s ease;
    line-height: 1;
}
.ftg-faq[open] summary::after { transform: rotate(45deg); }
.ftg-faq summary:hover { background: var(--ftg-cream); }
.ftg-faq summary:focus-visible {
    outline: 2px solid var(--ftg-honey);
    outline-offset: -2px;
    border-radius: 4px;
}
.ftg-faq-body {
    padding: 0 20px 18px;
    color: var(--ftg-ink-2);
    line-height: 1.7;
}
.ftg-faq-body p { margin: 0; }

/* ══════════════════════════════════════════════════════════════
  16. GLOSSARY + INLINE TOOLTIPS
   ══════════════════════════════════════════════════════════════ */
.ftg-glossary {
    background: var(--ftg-cream);
    border-radius: 10px;
    padding: 22px 26px;
    margin: 16px 0 24px;
}
.ftg-glossary dt {
    font-family: var(--ftg-font-display);
    font-weight: 700;
    color: var(--ftg-honey-dk);
    margin-top: 16px;
    font-size: 1.06rem;
}
.ftg-glossary dt:first-child { margin-top: 0; }
.ftg-glossary dd {
    margin: 5px 0 0;
    color: var(--ftg-ink-2);
    line-height: 1.65;
}

.ftg-term {
    color: var(--ftg-sage);
    border-bottom: 1px dashed currentColor;
    cursor: help;
    text-underline-offset: 3px;
    position: relative;
}
.ftg-term:focus {
    outline: 2px solid var(--ftg-honey);
    outline-offset: 2px;
    border-radius: 2px;
}
.ftg-term:hover, .ftg-term[aria-expanded="true"] { color: var(--ftg-honey-dk); }

.ftg-tooltip {
    position: absolute;
    z-index: 50;
    max-width: 320px;
    background: var(--ftg-ink);
    color: #fff;
    padding: 12px 16px;
    border-radius: 8px;
    font-size: .9rem;
    line-height: 1.5;
    box-shadow: 0 8px 24px rgba(0,0,0,.28);
    pointer-events: auto;
}
.ftg-tooltip::before {
    content: "";
    position: absolute; top: -6px; left: 20px;
    border-left: 6px solid transparent;
    border-right: 6px solid transparent;
    border-bottom: 6px solid var(--ftg-ink);
}
.ftg-tooltip strong {
    display: block;
    color: var(--ftg-honey);
    margin-bottom: 4px;
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    font-weight: 800;
}
.ftg-tooltip a {
    color: #fff;
    text-decoration: underline;
    display: inline-block;
    margin-top: 8px;
    font-size: .84rem;
}

/* ══════════════════════════════════════════════════════════════
  17. RESOURCES + FINAL CTA
   ══════════════════════════════════════════════════════════════ */
.ftg-resource-list li {
    padding: 8px 0;
    font-size: 1rem;
}

.ftg-cta-inline {
    background: linear-gradient(135deg, var(--ftg-cream) 0%, var(--ftg-tint) 100%);
    border: 1px solid var(--ftg-border);
    border-radius: 12px;
    padding: 26px 28px;
    margin: 36px 0;
    display: flex;
    align-items: center;
    gap: 22px;
    flex-wrap: wrap;
}
.ftg-cta-inline p {
    margin: 0;
    flex: 1 1 260px;
    font-size: 1.05rem;
    color: var(--ftg-ink);
    font-weight: 500;
}

.ftg-final-cta {
    background: var(--ftg-cream);
    border: 1px solid var(--ftg-border);
    border-radius: 14px;
    padding: 40px 32px !important;
    margin-top: 48px;
    text-align: center;
}
.ftg-final-cta h2 { text-align: center; }
.ftg-final-cta .ftg-cta-row { justify-content: center; }
.ftg-address {
    text-align: center;
    font-size: .94rem;
    color: var(--ftg-ink-2);
    margin: 30px 0 22px;
    line-height: 1.7;
}
.ftg-final-disclaimer {
    font-size: .82rem;
    color: var(--ftg-mute);
    line-height: 1.6;
    text-align: center;
    max-width: 64ch;
    margin: 20px auto 0;
}

/* ══════════════════════════════════════════════════════════════
  18. MOBILE STICKY CTA (bottom-right chip)
   ══════════════════════════════════════════════════════════════ */
.ftg-sticky-cta {
    position: fixed;
    bottom: max(16px, env(safe-area-inset-bottom, 16px));
    right: 16px;
    left: 16px;
    z-index: 90;
    display: none;
    padding: 14px 20px;
    background: var(--ftg-honey);
    color: var(--ftg-ink);
    border-radius: 999px;
    box-shadow: 0 8px 24px rgba(199, 149, 50, .38),
                0 2px 6px rgba(0, 0, 0, .16);
    font-weight: 800;
    font-size: .95rem;
    text-decoration: none;
    align-items: center;
    justify-content: center;
    gap: 8px;
    /* Center on desktop mobile-hover, right-align on mobile */
    max-width: 320px;
    margin-left: auto;
    margin-right: auto;
    animation: ftg-sticky-in .3s ease-out;
}
@keyframes ftg-sticky-in {
    from { transform: translateY(120%); opacity: 0; }
    to   { transform: translateY(0);    opacity: 1; }
}
.ftg-sticky-cta:hover {
    background: var(--ftg-honey-dk); color: #fff;
    transform: translateY(-2px);
}
.ftg-sticky-cta svg { flex-shrink: 0; }

/* When the "identical CTA is on screen" flag is set by JS, hide */
.ftg-sticky-cta[data-hidden="true"] {
    display: none !important;
}

/* ══════════════════════════════════════════════════════════════
  A++ ADDITIONS
   ══════════════════════════════════════════════════════════════ */

/* Progress rings in the TOC chapter headings */
.ftg-ring {
    margin-left: auto;
    flex-shrink: 0;
}
.ftg-ring-track { stroke: var(--ftg-line); }
.ftg-ring-fill {
    stroke: var(--ftg-honey);
    transition: stroke-dashoffset .4s ease;
}
.ftg-toc-chapter-h { align-items: center; }

/* Extended calculator — advanced disclosure + price output */
.ftg-calc-advanced {
    margin-top: 20px;
    border: 1px solid var(--ftg-border);
    border-radius: 10px;
    background: #fff;
}
.ftg-calc-advanced summary {
    padding: 14px 20px;
    cursor: pointer;
    font-weight: 700;
    color: var(--ftg-honey-dk);
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    min-height: 48px;
    font-size: .96rem;
}
.ftg-calc-advanced summary::-webkit-details-marker { display: none; }
.ftg-calc-advanced summary::after {
    content: "+";
    color: var(--ftg-honey);
    font-size: 1.3rem;
    font-weight: 800;
    line-height: 1;
    transition: transform .18s ease;
}
.ftg-calc-advanced[open] summary::after { transform: rotate(45deg); }
.ftg-calc-advanced summary:hover { background: var(--ftg-cream); border-radius: 10px; }
.ftg-calc-summary-hint {
    font-weight: 400;
    color: var(--ftg-mute);
    font-size: .85rem;
    margin-left: 6px;
}
.ftg-calc-advanced-body {
    padding: 8px 20px 20px;
    border-top: 1px solid var(--ftg-line);
}
.ftg-calc-suffix {
    color: var(--ftg-mute);
    font-weight: 700;
    padding-left: 4px;
}
.ftg-calc-price {
    text-align: center;
    padding: 20px 20px 16px;
    margin-top: 16px;
    background: var(--ftg-sage-tint);
    border: 2px solid var(--ftg-sage);
    border-radius: 10px;
}
.ftg-calc-price-label {
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--ftg-mute);
    font-weight: 700;
    margin-bottom: 6px;
}
.ftg-calc-price-value {
    font-family: var(--ftg-font-display);
    font-size: clamp(1.8rem, 4.5vw, 2.6rem);
    color: var(--ftg-sage);
    font-weight: 700;
    line-height: 1.05;
    letter-spacing: -.015em;
}
.ftg-calc-price-note {
    margin: 10px 0 0;
    color: var(--ftg-ink-2);
    font-size: .84rem;
    max-width: 44ch;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.5;
}

/* FAQ search filter */
.ftg-faq-search {
    background: var(--ftg-cream);
    border: 1px solid var(--ftg-border);
    border-radius: 10px;
    padding: 16px 20px;
    margin: 14px 0 22px;
}
.ftg-faq-search-label {
    display: block;
    font-size: .78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--ftg-mute);
    margin-bottom: 8px;
}
.ftg-faq-search-wrap {
    display: flex;
    align-items: center;
    gap: 10px;
    background: #fff;
    border: 1px solid var(--ftg-border);
    border-radius: 8px;
    padding: 0 14px;
    transition: border-color .15s, box-shadow .15s;
    min-height: 48px;
}
.ftg-faq-search-wrap:focus-within {
    border-color: var(--ftg-honey);
    box-shadow: 0 0 0 3px rgba(199, 149, 50, .18);
}
.ftg-faq-search-wrap svg { color: var(--ftg-mute); flex-shrink: 0; }
.ftg-faq-search-wrap input {
    flex: 1;
    border: none;
    background: transparent;
    outline: none;
    padding: 12px 0;
    font-size: 1rem;
    color: var(--ftg-ink);
    min-width: 0;
}
.ftg-faq-search-clear {
    border: none;
    background: transparent;
    color: var(--ftg-mute);
    cursor: pointer;
    font-size: 1.4rem;
    line-height: 1;
    padding: 4px 8px;
    border-radius: 4px;
    min-width: 32px;
    min-height: 32px;
}
.ftg-faq-search-clear:hover { color: var(--ftg-ink); background: var(--ftg-cream); }
.ftg-faq-search-count {
    color: var(--ftg-mute);
    font-size: .88rem;
    margin: 10px 0 0;
}
.ftg-faq-search-count strong { color: var(--ftg-ink); }
.ftg-faq-search-empty {
    color: var(--ftg-honey-dk);
    font-weight: 700;
    font-size: .96rem;
    margin: 12px 0 0;
    padding: 10px 14px;
    background: var(--ftg-tint);
    border-radius: 6px;
}
.ftg-faq-search-empty a { color: var(--ftg-sage); }

/* FAQ filtered/hidden state */
.ftg-faq[hidden="ftg-filtered"] { display: none; }

/* Loan quiz */
.ftg-loan-quiz {
    background: var(--ftg-cream);
    border: 1px solid var(--ftg-border);
    border-radius: 12px;
    padding: 22px 24px 20px;
    margin: 24px 0 12px;
}
.ftg-loan-quiz-title {
    margin: 0 0 6px;
    font-family: var(--ftg-font-display);
    font-size: 1.2rem;
    color: var(--ftg-ink);
    font-weight: 700;
}
.ftg-loan-quiz-lead {
    color: var(--ftg-ink-2);
    font-size: .94rem;
    margin: 0 0 16px;
    line-height: 1.55;
}
.ftg-loan-quiz-q {
    border: none;
    padding: 12px 0;
    margin: 0;
    border-top: 1px solid var(--ftg-line);
}
.ftg-loan-quiz-q:first-of-type { border-top: none; }
.ftg-loan-quiz-q legend {
    font-weight: 700;
    color: var(--ftg-ink);
    font-size: .96rem;
    margin-bottom: 8px;
    padding: 0;
}
.ftg-loan-quiz-q label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin: 4px 16px 4px 0;
    color: var(--ftg-ink-2);
    font-size: .95rem;
    cursor: pointer;
    min-height: 32px;
}
.ftg-loan-quiz-q input[type="radio"] {
    accent-color: var(--ftg-honey);
    width: 18px; height: 18px;
    cursor: pointer;
}
.ftg-loan-quiz-result {
    margin-top: 16px;
    padding: 16px 18px;
    background: #fff;
    border: 2px solid var(--ftg-honey);
    border-radius: 10px;
    text-align: center;
}
.ftg-loan-quiz-result-label {
    display: block;
    font-size: .74rem;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--ftg-mute);
    font-weight: 700;
    margin-bottom: 4px;
}
.ftg-loan-quiz-result strong {
    font-family: var(--ftg-font-display);
    font-size: 1.3rem;
    color: var(--ftg-honey-dk);
    font-weight: 700;
}
.ftg-loan-quiz-disclaimer {
    margin: 10px 0 0;
    font-size: .82rem;
    color: var(--ftg-mute);
    font-style: italic;
}

/* Winner card highlight — pulses gently on match */
.ftg-loan-card[data-recommended="true"] {
    border-top-color: var(--ftg-sage);
    box-shadow: 0 6px 22px rgba(64, 90, 80, .18);
    outline: 2px solid var(--ftg-sage);
    outline-offset: 2px;
    animation: ftg-loan-pulse 1.2s ease-out;
}
.ftg-loan-card[data-recommended="true"]::before {
    content: "✓ Worth exploring first";
    display: inline-block;
    background: var(--ftg-sage);
    color: #fff;
    padding: 3px 10px;
    font-size: .68rem;
    font-weight: 800;
    letter-spacing: .05em;
    text-transform: uppercase;
    border-radius: 999px;
    margin-bottom: 8px;
}
@keyframes ftg-loan-pulse {
    0%   { transform: translateY(0); }
    35%  { transform: translateY(-4px); box-shadow: 0 10px 30px rgba(64, 90, 80, .28); }
    100% { transform: translateY(0); }
}

/* ══════════════════════════════════════════════════════════════
  RESPONSIVE — mobile stack
   ══════════════════════════════════════════════════════════════ */
@media (max-width: 899px) {
    .ftg-layout {
        grid-template-columns: 1fr;
        gap: 20px;
        padding: 24px 16px 100px;   /* extra bottom padding for sticky CTA */
    }
    .ftg-toc { display: none; }
    .ftg-mobile-nav { display: block; }
    .ftg-hero-inner { max-width: none; }
    .ftg-cta-inline { flex-direction: column; align-items: stretch; text-align: center; }
    .ftg-cta-inline .btn { width: 100%; }
    .ftg-score-grid { grid-template-columns: 1fr; }
    .ftg-worksheet-table { font-size: .92rem; }
    .ftg-sticky-cta { display: inline-flex; }
    .ftg-content { max-width: none; }
    .ftg-callout--perspective,
    .ftg-callout--question {
        padding-left: 52px;
    }
    .ftg-callout--perspective::before,
    .ftg-callout--question::before {
        font-size: 4.5rem;
        top: -16px;
    }
    /* On mobile the stages selector stacks to a single column below 480px */
}
@media (max-width: 479px) {
    .ftg-stages-grid { grid-template-columns: 1fr; }
}
/* Ensure the final CTA section and all inline CTAs get enough bottom
   clearance from the sticky button */
@media (max-width: 899px) {
    .ftg-final-cta,
    .ftg-cta-inline {
        margin-bottom: 24px;
    }
}

/* ══════════════════════════════════════════════════════════════
  19. MOTION + HIGH-CONTRAST
   ══════════════════════════════════════════════════════════════ */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .01ms !important;
        transition-duration: .01ms !important;
    }
    html { scroll-behavior: auto !important; }
    .ftg-hero-path { animation: none; stroke-dashoffset: 0; }
    .ftg-progressbar { display: none; }
}

@media (forced-colors: active) {
    .ftg-callout, .ftg-num, .ftg-buckets, .ftg-loan-card,
    .ftg-checklist-group, .ftg-faq, .ftg-glossary, .ftg-final-cta,
    .ftg-chapter-opener {
        border: 1px solid CanvasText;
        forced-color-adjust: none;
    }
    .ftg-step-num, .ftg-sticky-cta { border: 1px solid CanvasText; }
}

/* ══════════════════════════════════════════════════════════════
  20. PRINT
   ══════════════════════════════════════════════════════════════ */
@media print {
    header, footer, nav, .site-footer,
    .ftg-hero .ftg-cta-row, .ftg-tertiary,
    .ftg-mobile-nav, .ftg-toc,
    .ftg-cta-inline, .ftg-final-cta .ftg-cta-row,
    .ftg-checklist-toolbar, .ftg-worksheet-toolbar,
    .ftg-checklist-status,
    .ftg-progressbar, .ftg-bookmark, .ftg-hero-art,
    .ftg-hero-meta, .ftg-calc [data-calc-reset],
    .ftg-tooltip, .ftg-sticky-cta,
    .skip-link {
        display: none !important;
    }

    body, .ftg-main, .ftg-hero, .ftg-final-cta, .ftg-disclaimer {
        background: #fff !important; color: #000 !important;
    }
    .ftg-layout { display: block !important; max-width: none; padding: 0; }
    .ftg-content { max-width: none !important; }

    .ftg-chapter { margin-top: 32px; page-break-before: always; }
    .ftg-chapter:first-child { page-break-before: auto; }
    .ftg-chapter-opener { border-color: #000; }

    .ftg-section {
        page-break-inside: avoid;
        border-bottom: none;
        padding: 16px 0;
    }
    h1, h2, h3 { page-break-after: avoid; }
    li, dd { page-break-inside: avoid; }

    .ftg-faq[open] .ftg-faq-body,
    .ftg-faq .ftg-faq-body {
        display: block !important;
        padding: 4px 0 8px 20px !important;
    }
    .ftg-faq summary::after { display: none; }
    .ftg-faq { border: none; padding: 0; margin: 8px 0; }
    .ftg-faq summary { padding: 4px 0; }

    .ftg-callout,
    .ftg-callout--perspective,
    .ftg-callout--question,
    .ftg-buckets, .ftg-num, .ftg-loan-card,
    .ftg-checklist-group, .ftg-glossary, .ftg-worksheet,
    .ftg-calc {
        border: 1px solid #888;
        background: #fff !important;
        padding: 10px 14px;
        margin: 10px 0;
        font-style: normal;
    }
    .ftg-callout--perspective::before,
    .ftg-callout--question::before { display: none; }

    .ftg-content a[href^="http"]:after,
    .ftg-content a[href^="mailto:"]:after,
    .ftg-content a[href^="tel:"]:after {
        content: " (" attr(href) ")";
        color: #444; font-size: .82em;
    }
    .ftg-content a[href^="#"]:after { content: ""; }

    .ftg-checklist--interactive input[type="checkbox"] {
        -webkit-appearance: none; appearance: none;
        width: 12px; height: 12px;
        border: 1.5px solid #000;
        background: #fff !important;
        vertical-align: middle;
    }
    .ftg-checklist--interactive input:checked { background: #000 !important; }
    body.ftg-print-blank .ftg-checklist--interactive input[type="checkbox"] { background: #fff !important; }
    body.ftg-print-blank .ftg-checklist--interactive input:checked + span {
        text-decoration: none; color: #000;
    }

    .ftg-term { color: #000 !important; border-bottom: none; }
}