/*
Theme Name: USA Tools Calculators
Theme URI: https://usatoolstech.com
Author: USAToolsTech
Author URI: https://usatoolstech.com
Description: A complete WordPress theme for a US financial-calculator website. Includes 45 working calculators (mortgage, loans, investment, retirement, salary, tax, savings, general) built on verified 2026 IRS/SSA/FHFA figures, a hero homepage, category browsing, AdSense-ready ad slots, and auto-created legal pages.
Version: 1.0.0
Requires at least: 5.8
Tested up to: 6.6
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: usa-tools-calculators
*/

:root{
  --navy:#0B2A4A; --navy-dark:#071B30; --navy-light:#123A63;
  --green:#0F9D58; --green-dark:#0C7A44; --amber:#F5A623;
  --bg:#F5F7FA; --card:#FFFFFF; --text:#1B2430; --muted:#5B6B7C;
  --border:#E2E8F0; --radius:12px;
  --shadow:0 2px 12px rgba(11,42,74,0.08); --shadow-hover:0 14px 30px rgba(11,42,74,0.16);
  --maxw:1240px;
}
*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto;}*{animation-duration:.001ms!important;transition-duration:.001ms!important;}}
body{margin:0;background:var(--bg);color:var(--text);font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;line-height:1.6;font-size:16px;}
h1,h2,h3,h4{color:var(--navy);line-height:1.25;margin:0 0 .5em;font-weight:700;}
a{text-decoration:none;color:var(--navy);}
a:hover{color:var(--green-dark);}
img{max-width:100%;display:block;}
ul{list-style:none;margin:0;padding:0;}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px;}
.btn{display:inline-block;padding:13px 26px;border-radius:8px;font-weight:700;font-size:15px;transition:.2s;border:2px solid transparent;}
.btn-green{background:var(--green);color:#fff;}
.btn-green:hover{background:var(--green-dark);color:#fff;transform:translateY(-2px);}
.btn-outline{border-color:#fff;color:#fff;}
.btn-outline:hover{background:#fff;color:var(--navy);}
.btn-ghost{border-color:var(--navy);color:var(--navy);}
.btn-ghost:hover{background:var(--navy);color:#fff;}
.section{padding:52px 0;}
.section-title{font-size:26px;margin-bottom:8px;}
.section-sub{color:var(--muted);font-size:15px;margin-bottom:28px;}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:10px;margin-bottom:26px;}

/* ===== Header / Nav ===== */
.site-header{background:var(--navy);position:sticky;top:0;z-index:999;}
.header-row{display:flex;align-items:center;justify-content:space-between;padding:14px 0;}
.site-title{font-size:21px;font-weight:800;margin:0;color:#fff;}
.site-title a{color:#fff;}
.site-title .accent{color:var(--amber);}
.site-logo img{max-height:46px;width:auto;}
.main-nav ul{display:flex;flex-wrap:wrap;align-items:center;gap:2px;}
.main-nav > ul > li{position:relative;}
.main-nav > ul > li > a{display:flex;align-items:center;gap:5px;padding:14px 15px;color:#D6E0EC;font-weight:600;font-size:14.5px;}
.main-nav > ul > li > a:hover,.main-nav .current-menu-item>a{color:#fff;}
.main-nav .caret{font-size:9px;opacity:.7;}
.submenu{position:absolute;top:100%;left:0;min-width:230px;background:#fff;border-radius:0 0 10px 10px;box-shadow:var(--shadow-hover);padding:8px 0;opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s;z-index:60;}
.main-nav > ul > li:hover > .submenu{opacity:1;visibility:visible;transform:translateY(0);}
.submenu li a{display:block;padding:10px 18px;color:var(--text);font-size:14px;font-weight:500;}
.submenu li a:hover{background:var(--bg);color:var(--green-dark);padding-left:23px;}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:24px;cursor:pointer;}

/* ===== Hero ===== */
.hero{background:linear-gradient(120deg,var(--navy-dark),var(--navy));color:#fff;padding:64px 0;text-align:center;}
.hero h1{color:#fff;font-size:38px;margin-bottom:14px;}
.hero p{color:#C9D6E4;font-size:17px;max-width:640px;margin:0 auto 26px;}
.hero-search{max-width:560px;margin:0 auto 22px;display:flex;background:#fff;border-radius:10px;overflow:hidden;box-shadow:var(--shadow-hover);}
.hero-search input{flex:1;border:0;padding:15px 18px;font-size:15px;outline:none;color:var(--text);}
.hero-search button{border:0;background:var(--green);color:#fff;font-weight:700;padding:0 22px;cursor:pointer;}
.hero-pills{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;}
.hero-pills a{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);color:#fff;padding:9px 18px;border-radius:30px;font-size:13.5px;font-weight:600;}
.hero-pills a:hover{background:var(--green);border-color:var(--green);}

/* ===== Tool / category grids (homepage) ===== */
.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
.tool-card{background:var(--card);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);transition:.2s;border-bottom:3px solid transparent;}
.tool-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-hover);border-bottom-color:var(--green);}
.tool-card h3{font-size:15px;margin-bottom:4px;}
.tool-card p{font-size:12.5px;color:var(--muted);margin:0;}
.cat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
.cat-card{background:var(--card);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);transition:.2s;}
.cat-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover);}
.cat-card h3{font-size:15px;margin-bottom:8px;}
.cat-card ul li{margin-bottom:6px;}
.cat-card ul li a{font-size:13.5px;color:var(--muted);}
.cat-card ul li a:hover{color:var(--green-dark);}

/* ===== Ad slot (site chrome placement, distinct from the per-calculator one) ===== */
.ad-slot{max-width:var(--maxw);margin:30px auto;padding:0 22px;text-align:center;}
.ad-slot .ad-label{font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);margin-bottom:6px;}
.ad-slot .ad-frame{border:1px dashed #CBD5E0;border-radius:8px;padding:14px;min-height:80px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:13px;}

/* ===== Generic page wrapper (legal pages, etc.) ===== */
.page-wrap{max-width:840px;margin:0 auto;padding:46px 22px 60px;}
.page-wrap h1{font-size:28px;margin-bottom:20px;}
.page-wrap h2{font-size:19px;margin-top:1.6em;}

/* ===== Footer ===== */
.site-footer{background:var(--navy-dark);color:#AFC0D2;margin-top:50px;}
.footer-top{padding:46px 0 24px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px;}
.footer-grid h4{color:#fff;font-size:14.5px;margin-bottom:14px;}
.footer-grid p{font-size:13.5px;color:#8098B3;}
.footer-links li{margin-bottom:8px;}
.footer-links a{font-size:13.5px;color:#AFC0D2;}
.footer-links a:hover{color:var(--amber);}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:18px 0;}
.footer-bottom .wrap{display:flex;flex-direction:column;gap:8px;font-size:12px;color:#7089A6;text-align:center;}
.footer-disclaimer{max-width:820px;margin:0 auto;line-height:1.6;}
.back-to-top{position:fixed;right:20px;bottom:20px;width:44px;height:44px;border-radius:50%;background:var(--amber);color:var(--navy-dark);display:flex;align-items:center;justify-content:center;font-weight:800;box-shadow:var(--shadow-hover);opacity:0;visibility:hidden;transition:.25s;z-index:998;border:none;cursor:pointer;font-size:17px;}
.back-to-top.show{opacity:1;visibility:visible;}

/* ===== Responsive ===== */
@media (max-width:1024px){
  .tool-grid{grid-template-columns:repeat(3,1fr);}
  .cat-grid{grid-template-columns:repeat(2,1fr);}
}
@media (max-width:768px){
  .nav-toggle{display:block;}
  .main-nav{display:none;width:100%;position:absolute;top:100%;left:0;background:var(--navy);box-shadow:var(--shadow);}
  .main-nav.open{display:block;}
  .main-nav ul{flex-direction:column;padding:10px;}
  .main-nav > ul > li > a{padding:13px 14px;}
  .submenu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:var(--navy-light);border-radius:0;display:none;}
  .main-nav li.open .submenu{display:block;}
  .hero h1{font-size:28px;}
  .hero-search{flex-direction:column;border-radius:10px;}
  .tool-grid{grid-template-columns:1fr 1fr;}
  .cat-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:480px){
  .tool-grid{grid-template-columns:1fr;}
  .hero{padding:46px 0;}
  .hero h1{font-size:23px;}
  .footer-grid{grid-template-columns:1fr;}
}