/* =====================================================================
   HDBnow.com — site-core.css
   Shared styles for CORE + HUB + CALCULATOR pages (index, category hubs,
   calculators, guides/case-studies indexes, contact, glossary, timeline,
   grant checker, about/services/privacy).
   Reuses CSS variables already defined in assets/css/styles.css — does
   not redefine :root.
   ===================================================================== */

/* ---------- Layout wrapper ---------- */
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.crumb{font-size:13px;color:var(--grey);margin:22px 0 0;max-width:1180px;margin-left:auto;margin-right:auto;padding:0 20px}
.crumb a{color:var(--red);text-decoration:none}
.crumb a:hover{text-decoration:underline}

/* ---------- Generic hero ---------- */
.hero{padding:44px 0 8px;position:relative;overflow:hidden}
.hero-inner{max-width:1180px;margin:0 auto;padding:0 20px;position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}

.eyebrow{display:inline-block;background:var(--sky);color:var(--red-dark);font-weight:700;font-size:12.5px;
  letter-spacing:.04em;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:16px}
.hero h1{font-size:clamp(30px,4.4vw,46px);font-weight:800;letter-spacing:-.01em;margin:0 0 14px;color:var(--ink)}
.hero p.lead{font-size:17px;color:var(--grey);max-width:640px;margin:0 0 22px;line-height:1.65}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}

/* hero entrance animation (no JS needed, respects reduced motion) */
@keyframes heroIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.hero .eyebrow{animation:heroIn .6s ease both}
.hero h1{animation:heroIn .6s .08s ease both}
.hero p.lead{animation:heroIn .6s .16s ease both}
.hero .hero-cta{animation:heroIn .6s .24s ease both}
.hero .hero-media{animation:heroIn .7s .2s ease both}
@media (prefers-reduced-motion:reduce){
  .hero .eyebrow,.hero h1,.hero p.lead,.hero .hero-cta,.hero .hero-media{animation:none}
}

/* ---------- Media / photo wrapper with graceful fallback ---------- */
.media{border-radius:18px;overflow:hidden;background:var(--grey-light);position:relative;aspect-ratio:4/3}
.media img{width:100%;height:100%;object-fit:cover;display:block}
.media.img-fallback{background:linear-gradient(135deg,var(--ink),var(--red-dark))}
.media.img-fallback img{opacity:0}
.media.img-fallback::after{content:"HDBnow.com";position:absolute;inset:0;display:flex;align-items:center;
  justify-content:center;color:rgba(255,255,255,.5);font-weight:800;font-size:15px;letter-spacing:.04em}
.hero-media{border-radius:20px;overflow:hidden}
.hero-media .media{aspect-ratio:5/4}

/* ---------- Stat band ---------- */
.stat-band{background:linear-gradient(120deg,var(--ink),var(--red-dark));border-radius:20px;padding:34px 30px;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:22px;color:#fff;margin:40px 0}
.stat-band .stat .num{font-size:clamp(24px,3vw,34px);font-weight:800;color:#fff;line-height:1.1}
.stat-band .stat .lbl{font-size:13px;color:#E8C9CB;margin-top:6px;line-height:1.4}

/* ---------- Section ---------- */
.section{padding:52px 0}
.section-tight{padding:28px 0 52px}
.section-head{max-width:680px;margin:0 0 28px}
.section-head h2{font-size:clamp(24px,3vw,32px);margin:0 0 10px;font-weight:800;color:var(--ink);letter-spacing:-.01em}
.section-head p{color:var(--grey);font-size:15.5px;margin:0;line-height:1.6}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}

/* ---------- Card grid ---------- */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.card-grid.cols-3{grid-template-columns:repeat(3,1fr)}
.card-grid.cols-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.card-grid.cols-3,.card-grid.cols-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.card-grid.cols-3,.card-grid.cols-4{grid-template-columns:1fr}}

.card{background:#fff;border:1.5px solid var(--border);border-radius:16px;padding:24px;text-decoration:none;
  color:var(--ink);transition:.18s;display:flex;flex-direction:column;gap:8px}
.card:hover{border-color:var(--red);box-shadow:0 10px 28px rgba(224,25,38,.12);transform:translateY(-3px)}
.card .icon{width:44px;height:44px;border-radius:12px;background:var(--sky);color:var(--red-dark);
  display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;margin-bottom:4px}
.card h3{margin:0;font-size:17px;font-weight:700}
.card p{margin:0;color:var(--grey);font-size:14px;line-height:1.55}
.card .go{margin-top:auto;padding-top:8px;color:var(--red);font-weight:700;font-size:13.5px}
.card .go::after{content:" \2192";transition:.15s}
.card:hover .go::after{margin-left:2px}

/* category hub tile (homepage) */
.hub-tile{position:relative;overflow:hidden}
.hub-tile .tag{position:absolute;top:18px;right:18px;font-size:11px;font-weight:800;color:var(--red-dark);
  background:var(--sky);padding:4px 10px;border-radius:999px}

/* ---------- CTA bands ---------- */
.cta-band{background:linear-gradient(120deg,var(--red),var(--red-dark));border-radius:24px;padding:44px 40px;
  color:#fff;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;margin:16px 0}
.cta-band h2{margin:0 0 8px;font-size:clamp(21px,3vw,27px);font-weight:800}
.cta-band p{margin:0;color:#FFD9DB;font-size:15px;max-width:480px;line-height:1.55}
.cta-band .actions{display:flex;gap:12px;flex-wrap:wrap}
.cta-band.wa{background:linear-gradient(120deg,#128C4A,#0C6B39)}
.cta-band.wa p{color:#CDEFDC}
.cta-band.dark{background:linear-gradient(120deg,var(--ink),#25272d)}
.cta-band.dark p{color:#B9BCC4}

.btn{display:inline-block;background:#fff;color:var(--red-dark);font-weight:700;padding:13px 24px;
  border-radius:10px;text-decoration:none;font-size:14.5px;transition:.15s;white-space:nowrap;border:2px solid #fff}
.btn:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--red-dark)}
.btn-red{background:var(--red);color:#fff;border-color:var(--red)}
.btn-red:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn-dark{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-dark:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn-block{display:block;text-align:center;width:100%}

/* ---------- Scroll reveal ---------- */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:translateY(0)}
.reveal-stagger.in > *{transition-delay:calc(var(--i,0) * 70ms)}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ---------- Calculators ---------- */
.calc-shell{display:grid;grid-template-columns:1.1fr 1fr;gap:32px;align-items:start;margin:32px 0 12px}
@media(max-width:860px){.calc-shell{grid-template-columns:1fr}}
.calc-form{background:var(--grey-light);border:1.5px solid var(--border);border-radius:18px;padding:28px}
.calc-form h2{margin:0 0 18px;font-size:18px}
.field{margin-bottom:18px}
.field:last-child{margin-bottom:0}
.field label{display:block;font-weight:700;font-size:13.5px;margin-bottom:6px;color:var(--ink)}
.field .hint{font-size:12px;color:var(--grey);margin-top:5px;line-height:1.5}
.field input[type=number],.field input[type=text],.field input[type=email],.field input[type=tel],
.field select,.field textarea{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:10px;
  font-size:15px;font-family:inherit;outline:none;transition:.15s;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--red)}
.field textarea{resize:vertical;min-height:110px}
.field-inline{display:flex;align-items:center;gap:10px}
.field-inline input[type=checkbox]{width:18px;height:18px;accent-color:var(--red);flex:none}
.field-inline label{margin:0;font-weight:600;font-size:13.5px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:480px){.two-col{grid-template-columns:1fr}}

.radio-group{display:flex;gap:10px;flex-wrap:wrap}
.radio-chip{border:1.5px solid var(--border);border-radius:999px;padding:8px 16px;font-size:13.5px;
  font-weight:600;cursor:pointer;background:#fff;transition:.15s;display:inline-block}
.radio-chip input{display:none}
.radio-chip.checked{border-color:var(--red);background:var(--sky);color:var(--red-dark)}

.calc-result{background:linear-gradient(150deg,var(--ink),var(--red-dark));border-radius:18px;padding:30px;
  color:#fff;position:sticky;top:90px}
.calc-result .label{font-size:12.5px;color:#E8C9CB;text-transform:uppercase;letter-spacing:.05em;font-weight:700}
.calc-result .amount{font-size:clamp(30px,4vw,42px);font-weight:800;margin:8px 0 18px;line-height:1.1}
.calc-result .breakdown{border-top:1px solid rgba(255,255,255,.2);padding-top:16px;margin-top:6px}
.calc-result .row{display:flex;justify-content:space-between;font-size:14px;padding:7px 0;color:#F1D3D4;gap:10px}
.calc-result .row b{color:#fff;text-align:right}
.calc-result .row.total{border-top:1px solid rgba(255,255,255,.2);margin-top:6px;padding-top:12px;font-size:15px}

.calc-example{background:var(--sky);border-radius:14px;padding:18px 22px;font-size:14.5px;color:var(--red-dark);
  margin:28px 0;line-height:1.6}
.calc-example strong{color:var(--red-dark)}
.calc-explainer{margin:8px 0 40px}
.calc-explainer h2{font-size:22px;margin:0 0 14px}
.calc-explainer p{color:var(--grey);line-height:1.7;font-size:15px;margin:0 0 14px}
.calc-explainer ul{color:var(--grey);line-height:1.7;font-size:15px;padding-left:22px}
.calc-explainer li{margin-bottom:6px}

/* ---------- Generic data table ---------- */
.table-wrap{overflow-x:auto;border:1.5px solid var(--border);border-radius:12px;margin:20px 0}
table.dtable{width:100%;border-collapse:collapse;font-size:14px;min-width:480px}
table.dtable th{background:var(--ink);color:#fff;text-align:left;padding:12px 14px;font-weight:600;white-space:nowrap}
table.dtable td{padding:10px 14px;border-top:1px solid var(--border);color:var(--ink)}
table.dtable tr:nth-child(even) td{background:var(--grey-light)}

/* ---------- Contact / form ---------- */
.contact-shell{display:grid;grid-template-columns:1.2fr 1fr;gap:28px;margin:32px 0}
@media(max-width:860px){.contact-shell{grid-template-columns:1fr}}
.form-card{background:#fff;border:1.5px solid var(--border);border-radius:18px;padding:30px}
.form-card h2{margin:0 0 18px;font-size:19px}
.form-msg{margin-top:16px;padding:12px 16px;border-radius:10px;font-size:14px;display:none}
.form-msg.ok{display:block;background:#E7F7EC;color:#1C7C3F}
.form-msg.err{display:block;background:var(--sky);color:var(--red-dark)}
.wa-card{background:linear-gradient(150deg,#128C4A,#0C6B39);border-radius:18px;padding:30px;color:#fff}
.wa-card h2{margin:0 0 10px;font-size:19px}
.wa-card p{color:#CDEFDC;font-size:14.5px;line-height:1.6;margin:0 0 18px}
.wa-card .num{font-size:22px;font-weight:800;margin-bottom:16px}
.wa-card .btn{background:#fff;color:#0C6B39;border-color:#fff}
.wa-card .btn:hover{background:var(--ink);color:#fff;border-color:var(--ink)}

/* ---------- Timeline ---------- */
.timeline{position:relative;margin:40px 0;padding-left:36px;border-left:3px solid var(--border)}
.tl-step{position:relative;padding-bottom:38px}
.tl-step:last-child{padding-bottom:0}
.tl-step::before{content:"";position:absolute;left:-45px;top:2px;width:18px;height:18px;border-radius:50%;
  background:var(--red);border:3px solid #fff;box-shadow:0 0 0 3px var(--red)}
.tl-step .tl-time{display:inline-block;background:var(--sky);color:var(--red-dark);font-weight:700;
  font-size:12px;padding:4px 12px;border-radius:999px;margin-bottom:8px}
.tl-step h3{margin:0 0 6px;font-size:18px;font-weight:700}
.tl-step p{margin:0;color:var(--grey);font-size:14.5px;line-height:1.6}

/* ---------- Glossary ---------- */
.glossary-letter{font-size:13px;font-weight:800;color:var(--red);text-transform:uppercase;letter-spacing:.06em;
  margin:34px 0 10px;padding-bottom:6px;border-bottom:2px solid var(--border)}
.glossary-letter:first-child{margin-top:0}
.glossary-grid{display:grid;grid-template-columns:230px 1fr;gap:0 24px;align-items:start}
.glossary-grid dt{font-weight:700;color:var(--ink);padding:13px 0;border-top:1px solid var(--border);font-size:14.5px}
.glossary-grid dd{margin:0;color:var(--grey);font-size:14.5px;line-height:1.6;padding:13px 0;
  border-top:1px solid var(--border)}
@media(max-width:640px){
  .glossary-grid{grid-template-columns:1fr}
  .glossary-grid dt{border-top:1px solid var(--border);padding-bottom:2px}
  .glossary-grid dd{border-top:none;padding-top:0;padding-bottom:13px}
}

/* ---------- Quiz / grant checker ---------- */
.quiz-shell{background:var(--grey-light);border:1.5px solid var(--border);border-radius:20px;padding:32px;margin:32px 0}
.quiz-results{margin-top:8px;display:none}
.quiz-results.show{display:block}
.result-card{border:1.5px solid var(--border);border-radius:14px;padding:18px 20px;margin-bottom:12px;
  display:flex;justify-content:space-between;align-items:center;gap:14px;background:#fff}
.result-card.eligible{border-color:var(--red);background:var(--sky)}
.result-card .rname{font-weight:700;font-size:15px}
.result-card .rnote{font-size:13px;color:var(--grey);margin-top:3px;line-height:1.5}
.badge{font-size:12px;font-weight:800;padding:5px 12px;border-radius:999px;white-space:nowrap;flex:none}
.badge.yes{background:var(--red);color:#fff}
.badge.no{background:var(--border);color:var(--grey)}
.quiz-disclaimer{margin-top:18px;font-size:12.5px;color:var(--grey);background:#fff;border:1px dashed var(--border);
  border-radius:10px;padding:12px 16px;line-height:1.6}

/* ---------- Source note ---------- */
.source-note{margin-top:40px;font-size:12.5px;color:var(--grey);line-height:1.6;padding-top:16px;
  border-top:1px solid var(--border)}
.source-note a{color:var(--red)}

/* ---------- Misc ---------- */
.pill-list{display:flex;gap:10px;flex-wrap:wrap;margin:0;padding:0;list-style:none}
.pill-list li{background:var(--grey-light);border:1px solid var(--border);border-radius:999px;padding:7px 14px;
  font-size:13px;font-weight:600;color:var(--ink)}
.two-panel{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:24px 0}
@media(max-width:800px){.two-panel{grid-template-columns:1fr}}
.panel{background:var(--grey-light);border:1.5px solid var(--border);border-radius:16px;padding:24px}
.panel h3{margin:0 0 10px;font-size:16.5px}
.panel p{margin:0;color:var(--grey);font-size:14.5px;line-height:1.6}
.prose{max-width:760px;font-size:15.5px;line-height:1.75;color:#3B3F46}
.prose h2{font-size:22px;color:var(--ink);margin:36px 0 14px}
.prose h2:first-child{margin-top:0}
.prose p{margin:0 0 16px}
.prose ul{margin:0 0 16px;padding-left:22px}
.prose li{margin-bottom:8px}

/* ---------- Image-topped guide/case-study cards ---------- */
.card-img{background:#fff;border:1.5px solid var(--border);border-radius:16px;overflow:hidden;text-decoration:none;
  color:var(--ink);transition:.18s;display:flex;flex-direction:column}
.card-img:hover{border-color:var(--red);box-shadow:0 10px 28px rgba(224,25,38,.14);transform:translateY(-3px)}
.card-img .ci-media{position:relative;aspect-ratio:16/10;background:var(--grey-light);overflow:hidden}
.card-img .ci-media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .35s}
.card-img:hover .ci-media img{transform:scale(1.05)}
.card-img .ci-media.img-fallback{background:linear-gradient(135deg,var(--ink),var(--red-dark))}
.card-img .ci-media.img-fallback img{display:none}
.card-img .ci-badge{position:absolute;top:12px;left:12px;background:var(--red);color:#fff;font-weight:800;
  font-size:11px;letter-spacing:.04em;text-transform:uppercase;padding:5px 11px;border-radius:6px;z-index:2}
.card-img .ci-body{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1}
.card-img .ci-eyebrow{color:var(--red-dark);font-size:11px;font-weight:800;text-transform:uppercase;
  letter-spacing:.04em;margin-bottom:8px}
.card-img h3{margin:0 0 8px;font-size:16.5px;font-weight:700;line-height:1.35}
.card-img p{margin:0;color:var(--grey);font-size:13.8px;line-height:1.6;flex:1}
.card-img .ci-meta{display:flex;justify-content:space-between;align-items:center;margin-top:16px;
  padding-top:14px;border-top:1px solid var(--border);font-size:12.5px}
.card-img .ci-meta .ci-read{color:var(--grey)}
.card-img .ci-meta .ci-link{color:var(--red);font-weight:700}
.card-img .ci-meta .ci-link::after{content:" \2192";transition:.15s}
.card-img:hover .ci-meta .ci-link::after{margin-left:3px}