/* =========================================================
   EPINOZIA | FINANCE
   LEARN ARTICLES
========================================================= */

/* =========================================================
   LEARN ARTICLE
========================================================= */

.learn-article {
    background-color: #f8fafc;
    color: #0f172a;
}

.learn-article-header {
    width: min(92%, 960px);

    margin-inline: auto;

    padding-top: clamp(56px, 7vw, 100px);
    padding-bottom: clamp(32px, 5vw, 64px);

    text-align: center;
}

.learn-article-header .learn-eyebrow {
    margin: 0 0 10px;
    color: #2563eb;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.learn-article-header h1 {
    margin: 0;
    color: #0f172a;
    font-size: clamp(2.2rem, 5vw, 3.8rem);
    line-height: 1.08;
}

.learn-article-intro {
    max-width: 700px;
    margin: 18px auto 0;
    color: #64748b;
    font-size: clamp(1rem, 1.5vw, 1.12rem);
    line-height: 1.75;
}


/* =========================================================
   ARTICLE SECTIONS
========================================================= */

.learn-section-content {
    width: min(92%, 960px);

    margin-inline: auto;
}

.learn-section-content > h2,
.learn-section-heading h2,
.learn-explanation h2,
.learn-takeaway h2,
.learn-calculator-cta h2 {
    margin: 0 0 20px;
    color: #0f172a;
    font-size: clamp(1.55rem, 3vw, 2rem);
    line-height: 1.2;
}

.learn-section-content > p,
.learn-section-heading > p,
.learn-explanation > p,
.learn-takeaway > p,
.learn-calculator-cta p {
    color: #475569;
    font-size: 1rem;
    line-height: 1.8;
}

.learn-section-content > p {
    margin: 0 0 18px;
}


/* =========================================================
   EXAMPLE TEXT
========================================================= */

.learn-example-text {
    margin-block: clamp(24px, 4vw, 34px) !important;
    padding: clamp(18px, 3vw, 24px);
    background-color: #eff6ff;
    border-left: 4px solid #2563eb;
    border-radius: 8px;
    color: #334155 !important;
}


/* =========================================================
   FORMULA
========================================================= */

.learn-formula {
    display: flex;
    justify-content: center;
    align-items: center;
    margin-block: clamp(24px, 4vw, 36px);
    padding: clamp(24px, 4vw, 36px);
    background-color: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-formula span {
    color: #123a63;
    font-size: clamp(1.8rem, 5vw, 2.8rem);
    font-weight: 700;
    letter-spacing: 0.03em;
}


/* =========================================================
   FORMULA VARIABLES
========================================================= */

.learn-variable-list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    margin-top: 28px;
}

.learn-variable {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 18px;
    background-color: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.learn-variable > strong {
    display: flex;
    flex: 0 0 42px;
    width: 42px;
    height: 42px;
    align-items: center;
    justify-content: center;
    background-color: #eff6ff;
    border-radius: 8px;
    color: #2563eb;
    font-size: 1.15rem;
}

.learn-variable h3 {
    margin: 0 0 5px;
    color: #0f172a;
    font-size: 1rem;
}

.learn-variable p {
    margin: 0;
    color: #64748b;
    font-size: 0.92rem;
    line-height: 1.55;
}


/* =========================================================
   SECTION LABEL
========================================================= */

.learn-section-label {
    margin: 0 0 10px !important;
    color: #2563eb !important;
    font-size: 12px !important;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}


/* =========================================================
   TRY IT YOURSELF
========================================================= */

.learn-practice-section {
    margin-top: clamp(32px, 5vw, 56px);
    padding-top: clamp(28px, 4vw, 40px);
    background-color: #ffffff;
}

.learn-section-heading {
    margin-bottom: 28px;
}

.learn-section-heading > p:not(.learn-section-label) {
    margin: 0;
}

.learn-section-heading > p:not(.learn-section-label) + p {
    margin-top: 16px;
}

.learn-simulator {
    display: grid;
    grid-template-columns:
        minmax(230px, 0.85fr)
        minmax(280px, 1.15fr);
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    background-color: #ffffff;
    box-shadow: 0 12px 35px rgba(15, 23, 42, 0.06);
    overflow: hidden;
	margin-bottom: clamp(28px, 4vw, 44px);
}

.learn-simulator-inputs {
    display: grid;
    gap: 20px;
    padding: clamp(22px, 4vw, 32px);
    background-color: #f8fafc;
    border-right: 1px solid #e2e8f0;
}

.learn-simulator-field label {
    display: block;
    margin-bottom: 8px;
    color: #334155;
    font-size: 0.9rem;
    font-weight: 600;
}

.learn-input-wrapper {
    display: flex;
    align-items: center;
    gap: 8px;
    width: 100%;
    padding: 0 12px;
    background-color: #ffffff;
    border: 1px solid #cbd5e1;
    border-radius: 8px;
}

.learn-input-wrapper:focus-within {
    border-color: #2563eb;
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.learn-input-wrapper span {
    color: #64748b;
    font-size: 0.9rem;
}

.learn-input-wrapper input {
    width: 100%;
    min-width: 0;
    padding: 12px 0;
    background: transparent;
    border: 0;
    outline: 0;
    color: #0f172a;
    font: inherit;
}


/* =========================================================
   SIMULATOR RESULTS
========================================================= */

.learn-simulator-results {
    display: grid;
    align-content: start;
    gap: 18px;
    padding: clamp(22px, 4vw, 32px);
}

.learn-result-primary,
.learn-result-secondary {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    padding-bottom: 16px;
    border-bottom: 1px solid #e2e8f0;
}

.learn-result-primary span,
.learn-result-secondary span {
    color: #64748b;
    font-size: 0.92rem;
}

.learn-result-primary strong {
    color: #123a63;
    font-size: clamp(1.6rem, 4vw, 2.2rem);
}

.learn-result-secondary strong {
    color: #0f172a;
    font-size: 1.2rem;
}


/* =========================================================
   LIVE FORMULA
========================================================= */

.learn-live-formula {
    margin-top: 6px;
    padding: 18px;
    background-color: #f8fafc;
    border-radius: 10px;
}

.learn-live-formula > span {
    display: block;
    margin-bottom: 10px;
    color: #64748b;
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
}

.learn-live-formula strong {
    display: block;
    margin-bottom: 12px;
    color: #123a63;
    font-size: 1.15rem;
}

.learn-live-formula p {
    margin: 5px 0;
    color: #334155;
    line-height: 1.5;
}


/* =========================================================
   EXPLANATION / TAKEAWAY
========================================================= */

.learn-explanation,
.learn-takeaway {
    padding: clamp(22px, 4vw, 32px);
    border-radius: 12px;
}

.learn-explanation {
    background-color: #ffffff;
    border: 1px solid #e2e8f0;
    margin-bottom: clamp(18px, 2.5vw, 26px);
}

.learn-takeaway {
    background-color: #eff6ff;
    border: 1px solid #dbeafe;
    margin-bottom: clamp(22px, 3vw, 32px);
}

.learn-explanation p:last-child,
.learn-takeaway p:last-child {
    margin-bottom: 0;
}


/* =========================================================
   FULL CALCULATOR CTA
========================================================= */

.learn-calculator-cta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: clamp(24px, 5vw, 50px);
    padding: clamp(24px, 5vw, 40px);
    background-color: #123a63;
    border-radius: 14px;
}

.learn-calculator-cta h2 {
    margin-bottom: 10px;
    color: #ffffff;
}

.learn-calculator-cta p:not(.learn-section-label) {
    max-width: 520px;
    margin: 0;
    color: #dbeafe;
}

.learn-calculator-cta .learn-section-label {
    color: #93c5fd !important;
}

.learn-calculator-button {
    flex-shrink: 0;
    display: inline-flex;
    justify-content: center;
    align-items: center;
    padding: 13px 18px;
    background-color: #ffffff;
    border-radius: 8px;
    color: #123a63;
    font-size: 0.9rem;
    font-weight: 700;
    text-decoration: none;
    transition:
        transform 0.2s ease,
        box-shadow 0.2s ease;
}

.learn-calculator-button:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(15, 23, 42, 0.15);
}


/* =========================================================
   RESPONSIVE LEARN ARTICLE
========================================================= */

@media (max-width: 700px) {

    .learn-variable-list {
        grid-template-columns: 1fr;
    }

    .learn-simulator {
        grid-template-columns: 1fr;
    }

    .learn-simulator-inputs {
        border-right: 0;
        border-bottom: 1px solid #e2e8f0;
    }

    .learn-calculator-cta {
        flex-direction: column;
        align-items: flex-start;
    }

    .learn-calculator-button {
        width: 100%;
    }
}

@media (max-width: 480px) {

    .learn-article-header,
    .learn-section-content {
        width: min(92%, 860px);
    }

    .learn-result-primary,
    .learn-result-secondary {
        align-items: flex-start;
        flex-direction: column;
        gap: 6px;
    }

    .learn-variable {
        padding: 15px;
    }
}
/* =========================================================
   LEARN ARTICLE LAYOUT + ADS
========================================================= */

.learn-article-layout {
    width: min(96%, 1600px);

    margin-inline: auto;

    display: grid;

    grid-template-columns:
        minmax(120px, 200px)
        minmax(0, 1080px)
        minmax(120px, 200px);

    justify-content: center;
    align-items: start;

    gap: clamp(20px, 3vw, 40px);
}

.learn-article-main {
    width: 100%;
    min-width: 0;

    padding-bottom: clamp(32px, 4vw, 50px);
}

.learn-article-ad {
    position: sticky;
    top: 100px;

    display: flex;

    justify-content: center;
    align-items: flex-start;

    min-height: 600px;

    padding-top: 20px;

    color: #94a3b8;

    font-size: 0.7rem;

    letter-spacing: 0.08em;

    text-transform: uppercase;
}


/* =========================================================
   LEARN ARTICLE LAYOUT - RESPONSIVE ADS
========================================================= */

@media (max-width: 1200px) {

    .learn-article-layout {
        width: min(94%, 1000px);

        grid-template-columns: minmax(0, 1fr);

        gap: 0;
    }

    .learn-article-ad-left,
    .learn-article-ad-right {
        display: none;
    }
}

/* =========================================================
   EDUCATIONAL RANGE CONTROLS
========================================================= */

.learn-fixed-value {
    padding-bottom: 20px;
    border-bottom: 1px solid #e2e8f0;
}

.learn-control-label {
    display: block;

    margin-bottom: 6px;

    color: #334155;

    font-size: 0.9rem;
    font-weight: 600;
}

.learn-fixed-value strong {
    display: block;

    color: #123a63;

    font-size: 1.6rem;
}

.learn-fixed-note {
    display: block;

    margin-top: 4px;

    color: #94a3b8;

    font-size: 0.8rem;
}


/* =========================================================
   RANGE SLIDERS
========================================================= */

.learn-range-control {
    width: 100%;
}

.learn-range-header {
    display: flex;

    justify-content: space-between;
    align-items: center;

    gap: 16px;

    margin-bottom: 12px;
}

.learn-range-header label {
    color: #334155;

    font-size: 0.9rem;
    font-weight: 600;
}

.learn-range-header output {
    color: #123a63;

    font-size: 0.95rem;
    font-weight: 700;
}

.learn-range-control input[type="range"] {
    width: 100%;

    cursor: pointer;

    accent-color: #2563eb;
}

.learn-range-limits {
    display: flex;

    justify-content: space-between;

    margin-top: 5px;

    color: #94a3b8;

    font-size: 0.72rem;
}


/* =========================================================
   FULL CALCULATOR NOTE
========================================================= */

.learn-full-calculator-note {
    display: flex;
    justify-content: flex-start;
    align-items: center;
    gap: 30px;

    margin: 2px 0 0;
    padding-top: 16px;

    border-top: 1px solid #e2e8f0;

    color: #64748b;

    font-size: 0.84rem;
    line-height: 1.55;
}

.learn-full-calculator-note a {
    color: #2563eb;

    font-weight: 600;

    text-decoration: none;
}

.learn-full-calculator-note a:hover {
    text-decoration: underline;
}

.learn-full-calculator-note > span {
    color: #64748b;
    font-size: 0.84rem;
}

.learn-full-calculator-button {
    flex-shrink: 0;

    display: inline-flex;
    align-items: center;
    justify-content: center;

    padding: 9px 14px;

    background-color: #2563eb;
    border-radius: 7px;

    color: #ffffff !important;
    font-size: 0.8rem;
    font-weight: 600;

    text-decoration: none !important;
}

.learn-full-calculator-button:visited {
    color: #ffffff !important;
}

.learn-full-calculator-button:hover {
    background-color: #1d4ed8;
    color: #ffffff !important;
    text-decoration: none;
}


/* =========================================================
   LEARN - SELECT CONTROL
========================================================= */

.learn-frequency-select {
    width: 100%;
    margin-top: 10px;
    padding: 11px 38px 11px 12px;

    border: 1px solid #cbd5e1;
    border-radius: 8px;

    background-color: #ffffff;

    color: #0f172a;
    font: inherit;
    font-size: 0.9rem;
    font-weight: 500;

    cursor: pointer;

    transition:
        border-color 0.2s ease,
        box-shadow 0.2s ease;
}

.learn-frequency-select:hover {
    border-color: #94a3b8;
}

.learn-frequency-select:focus {
    outline: none;
    border-color: #2563eb;
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
}

/* =========================================================
   COMPOUND INTEREST LEARNING CHART
========================================================= */

.learn-compound-chart {
    margin-top: 20px;
    padding-top: 18px;
    border-top: 1px solid #e2e8f0;
}

.learn-chart-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
    margin-bottom: 10px;
}

.learn-chart-header span {
    color: #475569;
    font-size: 0.85rem;
    font-weight: 500;
}

.learn-chart-header strong {
    color: #0f172a;
    font-size: 0.95rem;
}

#learn-compound-chart {
    width: 100%;
    height: auto;
    display: block;
    overflow: visible;
}

.learn-chart-axis {
    stroke: #cbd5e1;
    stroke-width: 1;
}

.learn-chart-guide {
    stroke: #e2e8f0;
    stroke-width: 1;
    stroke-dasharray: 4 4;
}

.learn-chart-line {
    fill: none;
    stroke: #2563eb;
    stroke-width: 3;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.learn-chart-point {
    fill: #2563eb;
}

.learn-chart-label {
    fill: #64748b;
    font-size: 16px;
    font-weight: 500;
}

.learn-chart-value {
    fill: #475569;
    font-weight: 600;
}

/* =========================================================
   SAVING & GROWTH BASICS - TERMS
========================================================= */

.learn-terms-intro {
    margin-top: clamp(26px, 4vw, 36px) !important;
    margin-bottom: 22px !important;
}

.learn-term-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));

    gap: 14px;

    margin-top: 10px;
    margin-bottom: clamp(20px, 3vw, 30px);
}

.learn-term-card {
    padding: clamp(18px, 3vw, 22px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.learn-term-card h3 {
    margin: 0 0 8px;

    color: #123a63;

    font-size: 1.05rem;
	font-weight: 700;
    line-height: 1.3;
}

.learn-term-card p {
    margin: 0;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}

.learn-term-card p + p {
    margin-top: 16px;
}


/* =========================================================
   CONTINUE LEARNING
========================================================= */

.learn-continue-grid {
    display: grid;

    grid-template-columns: repeat(3, minmax(0, 1fr));

    gap: 14px;

    margin-bottom: clamp(30px, 5vw, 50px);
}

.learn-continue-card {
    display: flex;
    flex-direction: column;

    min-width: 0;

    padding: clamp(18px, 3vw, 24px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;

    text-decoration: none;

    transition:
        transform 0.2s ease,
        border-color 0.2s ease,
        box-shadow 0.2s ease;
}

.learn-continue-card h3 {
    margin: 0 0 8px;

    color: #123a63;

    font-size: 1.05rem;
    line-height: 1.3;
}

.learn-continue-card p {
    margin: 0;

    color: #64748b;

    font-size: 0.92rem;
    line-height: 1.6;
}

@media (hover: hover) and (pointer: fine) {

    .learn-continue-card:hover {
        transform: translateY(-2px);

        border-color: #bfdbfe;

        box-shadow: 0 10px 24px rgba(15, 23, 42, 0.07);
    }
}


/* =========================================================
   BASICS RESPONSIVE
========================================================= */

@media (max-width: 700px) {

    .learn-term-grid {
        grid-template-columns: 1fr;
		
    }

    .learn-continue-grid {
        grid-template-columns: 1fr;
    }
}

/* =========================================================
   BUDGETING - BUDGET STATES
========================================================= */

.learn-budget-states {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;

    margin-top: 10px;
    margin-bottom: clamp(20px, 3vw, 30px);
}


/* =========================================================
   BUDGET STATES RESPONSIVE
========================================================= */

@media (max-width: 700px) {

    .learn-budget-states {
        grid-template-columns: 1fr;
    }

}
/* =========================================================
   BUDGETING - BUDGET OUTCOMES
========================================================= */

.learn-budget-outcomes {
    margin-top: clamp(36px, 5vw, 52px);
    margin-bottom: 20px;
}

.learn-budget-outcomes h3 {
    margin: 0 0 8px;

    color: #0f172a;

    font-size: 1.15rem;
    line-height: 1.3;
}

.learn-budget-outcomes p {
    margin: 0;

    color: #64748b;

    font-size: 0.95rem;
    line-height: 1.65;
}

/* =========================================================
   50/30/20 RULE - FLEXIBLE GUIDELINE
========================================================= */

.learn-budget-guideline {
    margin-top: clamp(36px, 5vw, 52px);
    margin-bottom: clamp(30px, 4vw, 44px);
}

.learn-budget-guideline h2 {
    margin-bottom: 14px;
}

.learn-budget-guideline p:not(.learn-section-label) {
    max-width: 760px;
}

.learn-budget-guideline p:not(:last-child) {
    margin-bottom: 14px;
}

/* =========================================================
   LEARN - EXAMPLE BOX
========================================================= */

.learn-example-box {
    margin-top: clamp(34px, 5vw, 50px);
    margin-bottom: clamp(34px, 5vw, 50px);
    padding: clamp(24px, 4vw, 32px);
    background-color: #eff6ff;
    border-left: 4px solid #2563eb;
    border-radius: 8px;
}

.learn-example-box .learn-section-label {
    margin-bottom: 8px !important;
}

.learn-example-box h2 {
    margin: 0 0 16px;
    color: #0f172a;
    font-size: clamp(1.35rem, 2vw, 1.7rem);
    line-height: 1.3;
}

.learn-example-box > p:last-child {
    margin: 0;
    color: #334155;
    line-height: 1.7;
}

/* =========================================================
   CREDIT CARD BASICS
========================================================= */


/* =========================================================
   CREDIT TYPES
========================================================= */

.learn-credit-type-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;

    margin-top: clamp(26px, 4vw, 36px);
    margin-bottom: clamp(30px, 4vw, 44px);
}

.learn-credit-type-card {
    padding: clamp(20px, 3vw, 26px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-credit-type-card h3 {
    margin: 0 0 9px;

    color: #123a63;

    font-size: 1.08rem;
    line-height: 1.3;
}

.learn-credit-type-card p {
    margin: 0;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}


/* =========================================================
   BILLING CYCLE
========================================================= */

.learn-credit-cycle {
    display: grid;
    gap: 14px;

    margin-top: clamp(26px, 4vw, 36px);
}

.learn-credit-cycle-step {
    display: flex;
    align-items: flex-start;
    gap: 18px;

    padding: clamp(18px, 3vw, 22px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-credit-cycle-step > span {
    flex: 0 0 42px;

    display: flex;
    justify-content: center;
    align-items: center;

    width: 42px;
    height: 42px;

    background-color: #eff6ff;

    border-radius: 50%;

    color: #2563eb;

    font-size: 1rem;
    font-weight: 700;
}

.learn-credit-cycle-step h3 {
    margin: 0 0 6px;

    color: #0f172a;

    font-size: 1rem;
    line-height: 1.3;
}

.learn-credit-cycle-step p {
    margin: 0;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}


/* =========================================================
   BILLING CYCLE FLOW
========================================================= */

.learn-credit-cycle-flow {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;

    gap: 10px;

    margin-top: clamp(24px, 4vw, 34px);
    margin-bottom: clamp(30px, 4vw, 44px);

    padding: clamp(18px, 3vw, 24px);

    background-color: #eff6ff;

    border: 1px solid #dbeafe;
    border-radius: 10px;
}

.learn-credit-cycle-flow span {
    color: #123a63;

    font-size: 0.9rem;
    font-weight: 600;

    text-align: center;
}

.learn-credit-cycle-flow strong {
    color: #2563eb;

    font-size: 1rem;
}


/* =========================================================
   STATEMENT VS CURRENT BALANCE
========================================================= */

.learn-credit-balance-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));

    gap: 14px;

    margin-top: clamp(26px, 4vw, 36px);
}

.learn-credit-balance-card {
    padding: clamp(20px, 3vw, 26px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-credit-balance-card h3 {
    margin: 0 0 9px;

    color: #123a63;

    font-size: 1.05rem;
    line-height: 1.3;
}

.learn-credit-balance-card p {
    margin: 0;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}


/* =========================================================
   IMPORTANT TO KNOW
========================================================= */

.learn-credit-important-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));

    gap: 14px;

    margin-bottom: clamp(30px, 5vw, 50px);
}

.learn-credit-important-card {
    padding: clamp(20px, 3vw, 24px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-credit-important-card h3 {
    margin: 0 0 8px;

    color: #123a63;

    font-size: 1.03rem;
    line-height: 1.3;
}

.learn-credit-important-card p {
    margin: 0;

    color: #64748b;

    font-size: 0.92rem;
    line-height: 1.65;
}


/* =========================================================
   CREDIT CARD BASICS RESPONSIVE
========================================================= */

@media (max-width: 700px) {

    .learn-credit-type-grid,
    .learn-credit-balance-grid,
    .learn-credit-important-grid {
        grid-template-columns: 1fr;
    }

    .learn-credit-cycle-flow {
        flex-direction: column;
    }

    .learn-credit-cycle-flow strong {
        transform: rotate(90deg);
    }

}

@media (max-width: 480px) {

    .learn-credit-cycle-step {
        gap: 14px;
    }

    .learn-credit-cycle-step > span {
        flex-basis: 36px;

        width: 36px;
        height: 36px;
    }

}
.learn-section + .learn-section {
    margin-top: clamp(32px, 5vw, 48px);
}

/* =========================================================
   IMPORTANT TO KNOW BOX
========================================================= */

.learn-important-box {
    margin-bottom: clamp(30px, 5vw, 50px);

    padding: clamp(24px, 4vw, 32px);

    background-color: #f8fafc;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-important-box .learn-section-heading {
    margin-bottom: 24px;
}

.learn-important-box .learn-credit-important-grid {
    margin-bottom: 0;
}

/* =========================================================
   APR
========================================================= */


/* =========================================================
   APR VS INTEREST RATE
========================================================= */

.learn-apr-compare-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;

    margin-top: clamp(26px, 4vw, 36px);
}

.learn-apr-compare-card {
    padding: clamp(20px, 3vw, 26px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-apr-compare-card h3 {
    margin: 0 0 5px;

    color: #123a63;

    font-size: 1.15rem;
    line-height: 1.3;
}

.learn-apr-card-label {
    margin: 0 0 14px !important;

    color: #2563eb !important;

    font-size: 0.8rem !important;
    font-weight: 700;
    letter-spacing: 0.03em;
    text-transform: uppercase;
}

.learn-apr-compare-card p:last-child {
    margin: 0;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}


/* =========================================================
   APR TYPES
========================================================= */

.learn-apr-type-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;

    margin-top: 10px;
    margin-bottom: clamp(20px, 3vw, 30px);
}



/* =========================================================
   APR SIMULATOR NOTE
========================================================= */

.learn-apr-note {
    padding: 16px 18px;

    background-color: #f8fafc;

    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.learn-apr-note p {
    margin: 0;

    color: #64748b;

    font-size: 0.82rem;
    line-height: 1.6;
}


/* =========================================================
   APR STATEMENT BALANCE NOTE
========================================================= */

.learn-apr-statement-note {
    display: grid;
    gap: 14px;
}

.learn-apr-statement-note p {
    margin: 0;

    color: #475569;

    font-size: 0.95rem;
    line-height: 1.7;
}


/* =========================================================
   APR RESPONSIVE
========================================================= */

@media (max-width: 700px) {

    .learn-apr-compare-grid,
    .learn-apr-type-grid {
        grid-template-columns: 1fr;
    }

}

/* =========================================================
   AUTO LOANS
========================================================= */


/* =========================================================
   INLINE LEARN LINK
========================================================= */

.learn-inline-link {
    display: inline-block;

    margin-top: 12px;

    color: #2563eb;

    font-size: 0.88rem;
    font-weight: 600;

    text-decoration: none;
}

.learn-inline-link:hover {
    text-decoration: underline;
}


/* =========================================================
   AUTO LOAN FORMULA
========================================================= */

.learn-auto-fraction {
    display: inline-flex;
    flex-direction: column;

    vertical-align: middle;

    margin-left: 8px;

    font-size: 0.65em;
    line-height: 1.25;
}

.learn-auto-fraction > span:first-child {
    padding: 0 8px 5px;

    border-bottom: 2px solid #123a63;
}

.learn-auto-fraction > span:last-child {
    padding: 5px 8px 0;
}


/* =========================================================
   SIMULATOR NOTE
========================================================= */

.learn-auto-note {
    margin-top: 14px;

    padding: 16px 18px;

    background-color: #f8fafc;

    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.learn-auto-note p {
    margin: 0;

    color: #64748b;

    font-size: 0.82rem;
    line-height: 1.6;
}


/* =========================================================
   SHORTER VS LONGER TERM
========================================================= */

.learn-auto-term-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));

    gap: 14px;

    margin-top: clamp(26px, 4vw, 36px);
    margin-bottom: clamp(30px, 4vw, 44px);
}

.learn-auto-term-card {
    padding: clamp(20px, 3vw, 26px);

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-auto-term-card h3 {
    margin: 0 0 12px;

    color: #123a63;

    font-size: 1.15rem;
    line-height: 1.3;
}

.learn-auto-term-card p:not(.learn-auto-card-label) {
    margin: 0;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}

.learn-auto-term-card p:not(.learn-auto-card-label) + p {
    margin-top: 12px;
}

.learn-auto-card-label {
    margin: 0 0 8px;

    color: #2563eb;

    font-size: 0.8rem;
    font-weight: 700;

    letter-spacing: 0.03em;
    text-transform: uppercase;
}


/* =========================================================
   AUTO LOANS RESPONSIVE
========================================================= */

@media (max-width: 700px) {

    .learn-auto-term-grid {
        grid-template-columns: 1fr;
    }

}

/* =========================================================
   MORTGAGE LIVE FORMULA
========================================================= */

.learn-mortgage-live-equation {
    display: flex;
    align-items: center;
    gap: 8px;

    margin-top: 10px;

    color: #123a63;
    font-size: 16px;
    font-weight: 700;
    line-height: 1.4;

    white-space: nowrap;
}

.learn-mortgage-live-equation > span:first-child {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    white-space: nowrap;
}

.learn-mortgage-live-equation .learn-auto-fraction {
    display: inline-flex;
    flex-direction: column;
    align-items: stretch;

    font-size: 11px;
    font-weight: 600;
    white-space: nowrap;
}

.learn-mortgage-live-equation .learn-auto-fraction > span:first-child {
    padding: 0 7px 4px;
    border-bottom: 2px solid #123a63;
    text-align: center;
}

.learn-mortgage-live-equation .learn-auto-fraction > span:last-child {
    padding: 4px 7px 0;
    text-align: center;
}

.learn-mortgage-live-equation sup {
    font-size: 0.7em;
}

.learn-mortgage-formula-result {
    display: block;

    margin-top: 12px;

    color: #123a63;
    font-size: 18px;
    font-weight: 700;
}


/* MOBILE */

@media (max-width: 650px) {

    .learn-mortgage-live-equation {
        font-size: 14px;
        gap: 5px;
        overflow-x: auto;
        padding-bottom: 4px;
    }

    .learn-mortgage-live-equation .learn-auto-fraction {
        font-size: 10px;
    }

    .learn-mortgage-formula-result {
        font-size: 16px;
    }

}
.learn-mortgage-live-equation {
    display: flex;
    align-items: center;
    gap: 10px;
}

.learn-mortgage-equation-prefix {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    white-space: nowrap;
}

.learn-mortgage-formula-values {
    display: flex;
    align-items: center;
    gap: 8px;

    margin-top: 8px;

    color: #123a63;
    font-size: 15px;

    white-space: nowrap;
}

.learn-mortgage-formula-values > span:not(.learn-mortgage-formula-dot) {
    display: inline-flex;
    align-items: baseline;
    gap: 4px;
}

.learn-mortgage-formula-values strong {
    font-size: 16px;
}

.learn-mortgage-formula-dot {
    color: #64748b;
}

.learn-mortgage-formula-result {
    display: block;

    margin-top: 14px;

    color: #123a63;
    font-size: 18px;
    font-weight: 700;
}

/* =========================================================
   LEARN ARTICLE LINKS
========================================================= */

.learn-section-content > p a {
    color: #2563eb;
    font-weight: 500;
    text-decoration: none;
    border-bottom: none;
    transition:
        color 0.2s ease,
        border-color 0.2s ease;
}

.learn-section-content > p a:hover {
    color: #123a63;
    border-bottom-color: #123a63;
}

.learn-section-content > p a:focus-visible {
    outline: 2px solid #2563eb;
    outline-offset: 3px;
    border-radius: 2px;
}

/* =========================================================
   ETF EDUCATIONAL VISUAL
========================================================= */

.learn-etf-example {
    margin-top: 2rem;
    padding: clamp(1.25rem, 3vw, 2rem);
    background: #ffffff;
    border: 1px solid #dbe3ee;
    border-radius: 12px;
}

.learn-etf-example-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.learn-etf-example-header h3 {
    margin: 0.35rem 0 0;
    color: #0f172a;
    font-size: 1.3rem;
}

.learn-etf-total {
    color: #64748b;
    font-size: 0.9rem;
    font-weight: 600;
}


/* Allocation bar */

.learn-etf-allocation {
    display: flex;
    width: 100%;
    min-height: 58px;
    overflow: hidden;
    border-radius: 8px;
    margin-bottom: 1.5rem;
}

.learn-etf-segment {
    display: flex;
    align-items: center;
    justify-content: center;
    min-width: 0;
    font-size: 0.85rem;
    font-weight: 700;
}

.learn-etf-segment span {
    white-space: nowrap;
}


/* Segment widths */

.learn-etf-segment.etf-a {
    width: 30%;
}

.learn-etf-segment.etf-b {
    width: 25%;
}

.learn-etf-segment.etf-c {
    width: 20%;
}

.learn-etf-segment.etf-d {
    width: 15%;
}

.learn-etf-segment.etf-e {
    width: 10%;
}


/* Segment appearance */

.learn-etf-segment.etf-a,
.learn-etf-marker.etf-a {
    background: #123a63;
}

.learn-etf-segment.etf-b,
.learn-etf-marker.etf-b {
    background: #2563eb;
}

.learn-etf-segment.etf-c,
.learn-etf-marker.etf-c {
    background: #60a5fa;
}

.learn-etf-segment.etf-d,
.learn-etf-marker.etf-d {
    background: #93c5fd;
}

.learn-etf-segment.etf-e,
.learn-etf-marker.etf-e {
    background: #dbeafe;
}

.learn-etf-segment.etf-a,
.learn-etf-segment.etf-b {
    color: #ffffff;
}

.learn-etf-segment.etf-c,
.learn-etf-segment.etf-d,
.learn-etf-segment.etf-e {
    color: #0f172a;
}


/* Holdings */

.learn-etf-holdings {
    display: grid;
    grid-template-columns: repeat(
        auto-fit,
        minmax(min(100%, 130px), 1fr)
    );
    gap: 0.75rem;
}

.learn-etf-holding {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 0.5rem;
    color: #475569;
    font-size: 0.9rem;
}

.learn-etf-holding strong {
    color: #0f172a;
}

.learn-etf-marker {
    width: 10px;
    height: 10px;
    border-radius: 50%;
}

.learn-etf-example-note {
    margin: 1.25rem 0 0;
    color: #64748b;
    font-size: 0.85rem;
}


/* =========================================================
   ETF VS. INDIVIDUAL STOCK
========================================================= */

.learn-etf-comparison {
    margin-top: 2rem;
    overflow: hidden;
    border: 1px solid #dbe3ee;
    border-radius: 12px;
    background: #ffffff;
}

.learn-etf-comparison-header,
.learn-etf-comparison-row {
    display: grid;
    grid-template-columns: minmax(100px, 0.8fr) 1fr 1fr;
}

.learn-etf-comparison-header {
    background: #eff6ff;
}

.learn-etf-comparison-header > *,
.learn-etf-comparison-row > * {
    padding: 1rem;
}

.learn-etf-comparison-header strong {
    color: #123a63;
}

.learn-etf-comparison-row {
    border-top: 1px solid #e2e8f0;
}

.learn-etf-comparison-row > strong {
    color: #0f172a;
}

.learn-etf-comparison-row > span {
    color: #475569;
    line-height: 1.6;
}


/* =========================================================
   ETF RESPONSIVE
========================================================= */

@media (max-width: 650px) {

    .learn-etf-example-header {
        flex-direction: column;
    }

    .learn-etf-allocation {
        min-height: 48px;
    }

    .learn-etf-segment {
        font-size: 0.75rem;
    }

    .learn-etf-comparison-header,
    .learn-etf-comparison-row {
        grid-template-columns: 95px 1fr 1fr;
    }

    .learn-etf-comparison-header > *,
    .learn-etf-comparison-row > * {
        padding: 0.75rem;
        font-size: 0.85rem;
    }
}

/* =========================================================
   ETF EXPLANATION GRID
========================================================= */

.learn-etf-explanation-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
    margin-top: 1rem;
}

.learn-etf-explanation-grid .learn-explanation {
    margin: 0;
    height: 100%;
}


/* Responsive */

@media (max-width: 700px) {

    .learn-etf-explanation-grid {
        grid-template-columns: 1fr;
    }

}
.learn-etf-explanation-grid .learn-explanation h3 {
    margin-bottom: 0.65rem;
}

.learn-etf-explanation-grid .learn-explanation p {
    margin-top: 0;
}

/* =========================================================
   DIVERSIFICATION
========================================================= */


/* =========================================================
   CONCENTRATION VS. DIVERSIFICATION
========================================================= */

.learn-diversification-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
    margin-top: 2rem;
}

.learn-diversification-example {
    min-width: 0;
    padding: clamp(1.25rem, 3vw, 1.75rem);
    background-color: #ffffff;
    border: 1px solid #dbe3ee;
    border-radius: 12px;
}

.learn-diversification-example-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.25rem;
}

.learn-diversification-example-header span {
    display: block;
    margin-bottom: 0.35rem;
    color: #2563eb;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.learn-diversification-example-header h3 {
    margin: 0;
    color: #0f172a;
    font-size: 1.15rem;
    line-height: 1.3;
}

.learn-diversification-example-header > strong {
    color: #64748b;
    font-size: 0.9rem;
}


/* Allocation bars */

.learn-diversification-bar {
    display: flex;
    width: 100%;
    min-height: 52px;
    margin-bottom: 1.25rem;
    overflow: hidden;
    border-radius: 8px;
}

.learn-diversification-bar > span {
    display: flex;
    justify-content: center;
    align-items: center;

    min-width: 0;

    color: #ffffff;
    font-size: 0.78rem;
    font-weight: 700;
}


/* Concentrated example */

.learn-diversification-bar .div-concentrated-a {
    width: 70%;
}

.learn-diversification-bar .div-concentrated-b {
    width: 20%;
}

.learn-diversification-bar .div-concentrated-c {
    width: 10%;
}


/* More diversified example */

.learn-diversification-bar .div-mixed-a,
.learn-diversification-bar .div-mixed-b,
.learn-diversification-bar .div-mixed-c,
.learn-diversification-bar .div-mixed-d,
.learn-diversification-bar .div-mixed-e {
    width: 20%;
}


/* Segment colors */

.learn-diversification-bar .div-concentrated-a,
.learn-diversification-marker.div-concentrated-a,
.learn-diversification-bar .div-mixed-a,
.learn-diversification-marker.div-mixed-a {
    background-color: #123a63;
}

.learn-diversification-bar .div-concentrated-b,
.learn-diversification-marker.div-concentrated-b,
.learn-diversification-bar .div-mixed-b,
.learn-diversification-marker.div-mixed-b {
    background-color: #2563eb;
}

.learn-diversification-bar .div-concentrated-c,
.learn-diversification-marker.div-concentrated-c,
.learn-diversification-bar .div-mixed-c,
.learn-diversification-marker.div-mixed-c {
    background-color: #60a5fa;
}

.learn-diversification-bar .div-mixed-d,
.learn-diversification-marker.div-mixed-d {
    background-color: #93c5fd;
}

.learn-diversification-bar .div-mixed-e,
.learn-diversification-marker.div-mixed-e {
    background-color: #dbeafe;
}


/* Dark text for lighter segments */

.learn-diversification-bar .div-concentrated-c,
.learn-diversification-bar .div-mixed-c,
.learn-diversification-bar .div-mixed-d,
.learn-diversification-bar .div-mixed-e {
    color: #0f172a;
}


/* Allocation list */

.learn-diversification-list {
    display: grid;
    gap: 0.65rem;
}

.learn-diversification-list > div {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 0.55rem;

    color: #475569;
    font-size: 0.9rem;
}

.learn-diversification-list strong {
    color: #0f172a;
}

.learn-diversification-marker {
    width: 10px;
    height: 10px;
    border-radius: 50%;
}


/* Educational disclaimer */

.learn-diversification-note {
    margin: 1rem 0 0 !important;
    color: #64748b !important;
    font-size: 0.85rem !important;
    line-height: 1.6 !important;
}


/* =========================================================
   DIVERSIFICATION RESPONSIVE
========================================================= */

@media (max-width: 700px) {

    .learn-diversification-grid {
        grid-template-columns: 1fr;
    }

    .learn-diversification-bar {
        min-height: 48px;
    }

    .learn-diversification-bar > span {
        font-size: 0.72rem;
    }

}

/* =========================================================
   FINANCIAL DECISIONS
========================================================= */


/* =========================================================
   DECISION COMPARISON TABLE
========================================================= */

.learn-decision-table-wrapper {
    width: 100%;
    margin-top: clamp(24px, 4vw, 34px);

    overflow-x: auto;

    background-color: #ffffff;

    border: 1px solid #e2e8f0;
    border-radius: 12px;
}

.learn-decision-table {
    width: 100%;
    min-width: 620px;

    border-collapse: collapse;
}

.learn-decision-table th,
.learn-decision-table td {
    padding: 16px 18px;

    border-bottom: 1px solid #e2e8f0;

    text-align: left;
    vertical-align: top;

    font-size: 0.92rem;
    line-height: 1.55;
}

.learn-decision-table thead th {
    background-color: #eff6ff;

    color: #123a63;

    font-weight: 700;
}

.learn-decision-table tbody th {
    width: 24%;

    color: #0f172a;

    font-weight: 600;
}

.learn-decision-table tbody td {
    color: #64748b;
}

.learn-decision-table tbody tr:last-child th,
.learn-decision-table tbody tr:last-child td {
    border-bottom: 0;
}


/* =========================================================
   DECISION LISTS
========================================================= */

.learn-decision-list {
    margin: 16px 0 0;
    padding-left: 20px;

    color: #64748b;

    font-size: 0.94rem;
    line-height: 1.65;
}

.learn-decision-list li + li {
    margin-top: 9px;
}


/* =========================================================
   CALCULATOR NOTE
========================================================= */

.learn-decision-calculator-note {
    margin: 12px 4px 0 !important;

    color: #64748b !important;

    font-size: 0.82rem !important;
    line-height: 1.6 !important;
}

/* =========================================================
   FINANCIAL DECISION TOOL BUTTON
========================================================= */

.learn-decision-tool-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    margin-top: 14px;
    padding: 10px 16px;

    background-color: #2563eb;
    border-radius: 7px;

    color: #ffffff;
    font-size: 0.85rem;
    font-weight: 600;
    line-height: 1.2;

    text-decoration: none;

    transition:
        background-color 0.2s ease,
        transform 0.2s ease;
}

.learn-decision-tool-button:visited {
    color: #ffffff;
}

@media (hover: hover) and (pointer: fine) {

    .learn-decision-tool-button:hover {
        background-color: #1d4ed8;
        transform: translateY(-1px);
    }
}

.learn-article-ad-mobile {
    display: none;
}

@media (max-width: 1200px) {

    .learn-article-ad-left,
    .learn-article-ad-right {
        display: none;
    }

    .learn-article-ad-mobile {
        width: min(92%, 860px);
        min-height: 180px;

        margin: 20px auto 32px;

        display: flex;
        align-items: flex-start;
        justify-content: center;

        padding-top: 28px;

        color: #94a3b8;
        font-size: 11px;
        font-weight: 600;
        letter-spacing: 0.08em;
        text-transform: uppercase;
    }
}