/* =====================================================================
   HELOC state pages (the Texas field guide with a thumb index, shared by every state).
   Every rule is scoped to .tx-b. Site tokens (--ink, --accent, --line ...)
   come from /assets/css/site.css; the few extras live on .tx-b.
   ===================================================================== */

.tx-b{
    --txb-copy:#4A6178;          /* reading text, 6.4:1 on white */
    --txb-row:#f1f5f9;           /* form option row (same as the real form) */
    --txb-row-hover:#e8eef4;
    --txb-radio:#b6c4d2;
    --txb-form-ink:#111114;      /* option label ink on the real form */
    --txb-bar:#6697C6;           /* chart columns, 3:1 on white */
    --txb-bar-hl:#1F5A92;        /* the two jump years */
    --txb-gap:clamp(36px,5vw,56px);
    color:var(--ink);
}
.tx-b ::selection{background:#cfe3f4;color:var(--ink-deep)}
.tx-b a:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:4px}
.tx-b dd{margin:0}
.tx-b dd,.tx-b dt,.tx-b li,.tx-b p,.tx-b figcaption,.tx-b td{text-wrap:pretty}
.txb-vh{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ================================================================ hero */
.txb-hero{padding:0 0 clamp(36px,6vw,64px);background:#fff}
.txb-hero__grid{display:grid;gap:12px;align-items:start}
@media (min-width:1000px){
    .txb-hero__grid{grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:clamp(40px,5vw,72px)}
    .txb-start{margin-top:58px}
}

.txb-crumbs ol{list-style:none;display:flex;flex-wrap:wrap;align-items:center;font-size:.875rem;color:var(--muted)}
.txb-crumbs li{display:inline-flex;align-items:center}
.txb-crumbs li + li::before{content:"/" / "";margin:0 9px;color:var(--faint)}
.txb-crumbs a{color:var(--muted);text-decoration:none;display:inline-block;padding:12px 0}
.txb-crumbs a:hover{color:var(--ink);text-decoration:underline;text-underline-offset:3px}
.txb-crumbs [aria-current]{color:var(--ink);font-weight:600}

.txb-meta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;column-gap:16px}
@media (max-width:420px){.txb-meta{column-gap:12px}.txb-meta .txb-crumbs ol,.txb-meta .txb-updated{font-size:.8125rem}.txb-crumbs li + li::before{margin:0 7px}}
@media (min-width:1000px){.txb-meta{display:block}}
.txb-updated{margin-top:0;font-size:.875rem;color:var(--muted)}
.tx-b h1{
    margin-top:6px;max-width:22ch;
    font-size:clamp(1.85rem,4.4vw,3rem);font-weight:800;letter-spacing:-.03em;line-height:1.08;color:var(--ink);
}
.txb-lede{margin-top:16px;max-width:60ch;font-size:clamp(1rem,1.6vw,1.15rem);line-height:1.66;color:var(--txb-copy)}

/* ------------------------------------------- plates: ruled number grids */
.txb-plate{display:grid;grid-template-columns:1fr 1fr;border-top:2px solid var(--ink);margin-top:28px}
.txb-plate__cell{display:flex;flex-direction:column;padding:16px 16px 18px 0;border-bottom:1px solid var(--line)}
.txb-plate__cell:nth-child(2n){padding-left:16px;border-left:1px solid var(--line)}
.txb-plate dt{order:2;margin-top:4px;font-size:.9rem;line-height:1.45;color:var(--muted)}
.txb-plate dd{order:1;font-size:clamp(1.65rem,3.6vw,2.1rem);font-weight:800;letter-spacing:-.025em;line-height:1.1;color:var(--ink)}
.txb-plate dd.txb-plate__cmp{order:3;margin-top:8px;font-size:.875rem;font-weight:600;letter-spacing:0;line-height:1.4;color:var(--ink-soft)}
@media (max-width:420px){
    .txb-plate__cell{padding:9px 12px 10px 0}
    .txb-plate__cell:nth-child(2n){padding-left:12px}
    .txb-plate dt{font-size:.875rem;line-height:1.35;margin-top:2px}
    .txb-plate dd{font-size:1.5rem}
    .txb-plate--facts{margin-top:14px}
    .txb-lede{line-height:1.52;margin-top:12px}
    .txb-start__q{margin-top:12px;margin-bottom:10px}
    .txb-start__sub{margin-top:4px}
}

/* ---------------------------------------------- start card (form step 1) */
.txb-start{
    background:#fff;border:1px solid var(--line);border-radius:20px;
    box-shadow:0 1px 2px rgba(50,70,95,.06);
    padding:14px 18px 18px;
}
@media (min-width:480px){.txb-start{padding:28px 26px 22px}}
.tx-b .txb-start__title{font-size:clamp(1.3rem,2.4vw,1.5rem);font-weight:800;letter-spacing:-.022em;line-height:1.18;color:var(--ink)}
.txb-start__sub{margin-top:6px;font-size:.95rem;line-height:1.5;color:var(--muted)}
.txb-start__q{margin:16px 0 12px;font-size:1.06rem;font-weight:700;letter-spacing:-.01em;color:var(--accent)}
.txb-options{list-style:none;display:flex;flex-direction:column;gap:10px}
.txb-option{
    display:flex;align-items:center;gap:14px;min-height:56px;
    padding:15px 18px;border:1.5px solid transparent;border-radius:14px;
    background:var(--txb-row);color:var(--txb-form-ink);text-decoration:none;
    transition:background var(--t) var(--ease),border-color var(--t) var(--ease),box-shadow var(--t) var(--ease);
    -webkit-tap-highlight-color:transparent;
}
.txb-option__label{flex:1 1 auto;font-size:1rem;font-weight:500;min-width:0}
.txb-option__radio{
    flex:0 0 auto;width:21px;height:21px;border-radius:50%;border:2px solid var(--txb-radio);position:relative;
    transition:border-color var(--t) var(--ease),background var(--t) var(--ease);
}
.txb-option:hover{background:var(--txb-row-hover)}
.txb-option:hover .txb-option__radio{border-color:var(--ink)}
.tx-b .txb-option:focus-visible{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(50,70,95,.14)}
.txb-option:active{background:var(--row-active);border-color:var(--ink)}
.txb-option:active .txb-option__radio{background:var(--ink);border-color:var(--ink)}
.txb-option:active .txb-option__radio::after{content:"";position:absolute;inset:0;margin:auto;width:7px;height:7px;border-radius:50%;background:#fff}
.txb-start__note{margin-top:14px;font-size:.84rem;line-height:1.5;color:var(--muted)}

/* ================================================== guide: index + column */
.txb-guide{display:grid;gap:0;padding-bottom:var(--txb-gap)}
@media (min-width:1024px){
    .txb-guide{grid-template-columns:216px minmax(0,1fr);column-gap:clamp(48px,6vw,80px);align-items:start}
}
.txb-col{min-width:0;max-width:720px}

/* thumb index: a fold on phones, a sticky rail on desktop */
.txb-index{margin-bottom:8px}
.txb-index__fold{border:1px solid var(--line);border-radius:14px}
.txb-index__fold summary{
    display:flex;align-items:center;justify-content:space-between;min-height:52px;padding:0 18px;
    font-size:1rem;font-weight:700;color:var(--ink);cursor:pointer;list-style:none;
}
.txb-index__fold summary::-webkit-details-marker{display:none}
.txb-index__fold summary::after{
    content:"";width:9px;height:9px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);
    transform:translateY(-2px) rotate(45deg);transition:transform var(--t) var(--ease);
}
.txb-index__fold[open] summary::after{transform:translateY(2px) rotate(-135deg)}
.txb-index__fold summary:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:12px}
.txb-index__fold .txb-index__list{padding:0 8px 10px}
.txb-index__list{list-style:none;display:flex;flex-direction:column;gap:2px}
.txb-index__list a{
    display:flex;align-items:center;min-height:44px;padding:8px 12px;border-radius:10px;
    font-size:.95rem;font-weight:600;line-height:1.3;color:var(--ink-soft);text-decoration:none;
    transition:background var(--t) var(--ease),color var(--t) var(--ease);
}
.txb-index__list a:hover{background:var(--row);color:var(--ink)}
.txb-index__rail{display:none}
@media (min-width:1024px){
    .txb-index{position:sticky;top:96px;margin:0;padding-top:var(--txb-gap)}
    .txb-index__fold{display:none}
    .txb-index__rail{display:block}
    .txb-index__label{padding:0 12px 10px;font-size:.875rem;font-weight:600;color:var(--muted)}
    .txb-index__rail{border-right:1px solid var(--line)}
    .txb-index__rail .txb-index__list{gap:3px}
    .txb-index__rail a{font-size:.9rem;border-radius:10px 0 0 10px;margin-right:-1px;min-height:42px}
    .txb-index__rail a[aria-current]{background:var(--accent);color:#fff}
    .txb-index__rail .txb-index__sub{list-style:none;margin:2px 0 4px 12px;display:flex;flex-direction:column;gap:1px}
    .txb-index__rail .txb-index__sub a{min-height:36px;padding:6px 12px;font-size:.84rem;font-weight:500;color:var(--muted)}
    .txb-index__rail .txb-index__sub a:hover{color:var(--ink)}
    .txb-index__rail .txb-index__sub a[aria-current]{background:var(--accent-tint);color:var(--accent);font-weight:600}
}

/* sections */
.txb-sec{padding-top:var(--txb-gap)}
.txb-sec + .txb-sec{margin-top:var(--txb-gap);border-top:1px solid var(--line)}
.tx-b .txb-sec h2{
    max-width:24ch;font-size:clamp(1.5rem,3.1vw,1.95rem);font-weight:800;letter-spacing:-.025em;line-height:1.16;color:var(--ink);
}
.txb-sec > p,.txb-chart figcaption p,.txb-faq p,.txb-rule dd,.txb-steps p{
    max-width:34em;font-size:1.0625rem;line-height:1.7;color:var(--txb-copy);
}
.txb-sec > p{margin-top:16px}
.txb-sec > h2 + p{margin-top:16px}
.tx-b .txb-small{font-size:.92rem;line-height:1.6;color:var(--muted)}
.tx-b .txb-source{font-size:.875rem;line-height:1.55;color:var(--muted)}

.txb-link{display:inline-block;padding:10px 0;line-height:1.5;font-weight:600;color:var(--accent);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}
.txb-link svg{display:inline-block;width:17px;height:17px;margin-left:6px;vertical-align:-3px}
.txb-link:hover{text-decoration-thickness:2px}

/* ---------------------------------------------------- formula + ledger */
.tx-b .txb-formula{
    margin-top:26px;display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 10px;max-width:none;
    padding:16px 0;border-block:1px solid var(--line);
    font-size:1.0625rem;line-height:1.5;color:var(--ink);
}
.txb-formula__grp{white-space:nowrap;display:inline-flex;align-items:baseline;gap:10px}
.txb-formula__term{font-weight:700;color:var(--ink)}
.txb-formula__term--num{font-variant-numeric:tabular-nums}
.txb-formula__term--result{color:var(--accent)}
.txb-formula__op{font-size:1.25rem;font-weight:500;color:var(--muted);line-height:1}

.txb-ledger{margin:28px 0 0;border-top:2px solid var(--ink);max-width:560px}
.tx-b .txb-ledger__cap{padding:12px 0 6px;font-size:1rem;font-weight:700;color:var(--ink)}
.txb-ledger__row{display:flex;justify-content:space-between;align-items:baseline;gap:18px;padding:13px 0;border-bottom:1px solid var(--line)}
.txb-ledger__row dt{position:relative;padding-left:2rem}
.txb-ledger__row dt::before{content:attr(data-op) / "";position:absolute;left:0;top:-.05em;width:1.25rem;text-align:center;font-size:1.1rem;font-weight:600;color:var(--muted)}
.txb-ledger__row dt{font-size:1rem;color:var(--ink-soft);line-height:1.45}
.txb-ledger__row dt span{display:block;font-size:.875rem;color:var(--muted)}
.txb-ledger__row dd{flex:0 0 auto;font-size:1.0625rem;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
.txb-ledger__row--total{border-top:3px double var(--ink);border-bottom:none;margin-top:-1px;padding-top:16px}
.txb-ledger__row--total dt{font-weight:800;color:var(--ink)}
.txb-ledger__row--total dd{font-size:clamp(1.35rem,3vw,1.6rem);font-weight:800;letter-spacing:-.02em;color:var(--ink)}
.txb-ledger + .txb-small{margin-top:12px}

/* --------------------------------------------------------------- chart */
.txb-chart{margin:24px 0 0}
.txb-chart__svg{display:block;width:100%;height:auto;overflow:visible}
.txb-chart__svg--wide{display:none}
@media (min-width:600px){
    .txb-chart__svg--narrow{display:none}
    .txb-chart__svg--wide{display:block}
}
.txb-chart text{font-family:inherit}
.txb-grid{stroke:var(--line);stroke-width:1;shape-rendering:crispEdges}
.txb-grid--base{stroke:var(--faint)}
.txb-tick{fill:var(--muted);font-variant-numeric:tabular-nums}
.txb-axis{fill:var(--ink-soft);font-weight:600}
.txb-val{fill:var(--ink);font-weight:700;font-variant-numeric:tabular-nums}
.txb-bar path{fill:var(--txb-bar);transition:fill var(--t) var(--ease)}
.txb-bar.is-hl path{fill:var(--txb-bar-hl)}
.txb-bar:hover path{fill:var(--accent)}
.txb-bar.is-hl:hover path{fill:var(--ink-deep)}
.txb-hit{fill:transparent}
.txb-chart figcaption{margin-top:18px}
.txb-chart figcaption .txb-source{margin-top:10px}

.txb-data{margin-top:14px}
.txb-data summary{
    display:inline-flex;align-items:center;min-height:44px;cursor:pointer;
    font-size:.95rem;font-weight:600;color:var(--accent);text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1px;
}
.txb-data summary:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:4px}
.txb-data table{margin-top:8px;border-collapse:collapse;width:100%;max-width:360px;font-size:.95rem;font-variant-numeric:tabular-nums}
.txb-data th,.txb-data td{padding:9px 0;border-bottom:1px solid var(--line);text-align:left;color:var(--ink-soft)}
.txb-data thead th{font-weight:700;color:var(--ink);border-bottom:2px solid var(--ink)}
.txb-data td{text-align:right}
.txb-data thead th:last-child{text-align:right}
.txb-data tbody th{font-weight:600}

/* --------------------------------------------------------------- rules */
.txb-rules{margin-top:40px}
.tx-b .txb-rules h3{font-size:1.2rem;font-weight:800;letter-spacing:-.015em;color:var(--ink);padding-bottom:12px;border-bottom:2px solid var(--ink)}
.txb-rule{padding:16px 0 18px;border-bottom:1px solid var(--line)}
.txb-rule dt{font-size:1.0625rem;font-weight:700;line-height:1.4;color:var(--ink)}
.txb-rule dd{margin-top:4px}
.txb-rules:last-child .txb-rule:last-child,.txb-faq__item:last-child{border-bottom:none}
@media (min-width:760px){
    .txb-rule{display:grid;grid-template-columns:13.5rem minmax(0,1fr);column-gap:28px}
    .txb-rule dd{margin-top:0}
}

/* ------------------------------------------------- rates + stats plates */
.txb-plate--rates{margin-top:26px;margin-bottom:6px}
.txb-plate--rates dd{font-size:clamp(2rem,5vw,2.6rem)}
@media (min-width:760px){
    .txb-plate--3{grid-template-columns:repeat(3,minmax(0,1fr))}
    .txb-plate--3 .txb-plate__cell:nth-child(3){padding-left:16px;border-left:1px solid var(--line)}
    .txb-plate--3 dd{font-size:clamp(1.8rem,3.4vw,2.2rem)}
}
.txb-plate--stats{margin-top:26px}
.txb-plate--stats + .txb-source{margin-top:14px}
@media (max-width:479px){
    .txb-plate--rates{grid-template-columns:1fr}
    .txb-plate--rates .txb-plate__cell:nth-child(2n){padding-left:0;border-left:none}
}

/* --------------------------------------------------------------- steps */
.txb-steps{list-style:none;counter-reset:txb;margin-top:26px;border-top:2px solid var(--ink)}
.txb-steps li{
    counter-increment:txb;display:grid;grid-template-columns:2.75rem minmax(0,1fr);column-gap:12px;
    padding:20px 0 22px;border-bottom:1px solid var(--line);
}
.txb-steps li::before{
    content:counter(txb);grid-row:span 2;
    font-size:1.6rem;font-weight:800;line-height:1.1;color:var(--accent);font-variant-numeric:tabular-nums;
}
.tx-b .txb-steps h3{font-size:1.125rem;font-weight:700;letter-spacing:-.01em;line-height:1.35;color:var(--ink)}
.txb-steps p{margin-top:4px}
#how .txb-small{margin-top:18px}
.txb-cta{margin-top:22px}

/* ------------------------------------------------------------- buttons */
.txb-btn{
    display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:52px;
    padding:14px 30px;border-radius:var(--r-pill);
    font-family:inherit;font-size:1rem;font-weight:600;text-decoration:none;
    transition:background .15s var(--ease),box-shadow .15s var(--ease);
}
.txb-btn svg{width:18px;height:18px}
.txb-btn--ink{background:var(--ink);color:#fff}
.txb-btn--ink:hover{background:var(--ink-deep)}
/* .txb-btn--teal retired 2026-10-22: the close now uses partials/band.php. Kept as a white pill for old markup. */
.txb-btn--teal{background:#fff;color:var(--ink)}
.txb-btn--teal:hover{background:var(--row-hover)}
.tx-b .txb-btn:focus-visible{outline:3px solid var(--accent-bright);outline-offset:3px}
@media (max-width:479px){.txb-cta .txb-btn{width:100%}}

/* ----------------------------------------------------------------- FAQ */
.txb-faq{margin-top:26px;border-top:2px solid var(--ink)}
.txb-faq__item{padding:20px 0 22px;border-bottom:1px solid var(--line)}
.tx-b .txb-faq h3{font-size:1.125rem;font-weight:700;letter-spacing:-.01em;line-height:1.4;color:var(--ink);max-width:48ch}
.txb-faq p{margin-top:6px}

/* close band: partials/band.php + site.css since 2026-10-22 (.txb-band retired) */

/* ------------------------------------------------------------- sources */
.txb-sources{padding:clamp(36px,5vw,52px) 0 clamp(44px,6vw,64px);max-width:720px}
@media (min-width:1024px){.txb-sources{margin-left:calc(216px + clamp(48px,6vw,80px))}}
.tx-b .txb-sources h2{font-size:1.05rem;font-weight:800;color:var(--ink)}
.txb-sources ul{margin:12px 0 0 18px;display:flex;flex-direction:column;gap:6px}
.txb-sources li{font-size:.875rem;line-height:1.55;color:var(--muted)}
.txb-sources p{margin-top:16px;font-size:.875rem;line-height:1.6;color:var(--muted);max-width:60ch}

@media (prefers-reduced-motion:reduce){
    .tx-b *{transition:none!important}
}

/* =====================================================================
   /heloc/ hub: the state index. Reuses the hero, links and start card above.
   ===================================================================== */
.hub-links{list-style:none;display:flex;flex-wrap:wrap;column-gap:28px;margin-top:8px}
.hub-index{margin-top:clamp(28px,4vw,44px)}
.tx-b .hub-index h2{font-size:clamp(1.3rem,2.4vw,1.5rem);font-weight:800;letter-spacing:-.022em;line-height:1.18;color:var(--ink)}
.hub-states{list-style:none;margin-top:16px;border-top:2px solid var(--ink);display:grid}
@media (min-width:640px){.hub-states--cols{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:28px}}
.hub-state{
    display:grid;grid-template-columns:minmax(0,1fr) auto;column-gap:16px;align-items:center;
    min-height:64px;padding:16px 0 18px;border-bottom:1px solid var(--line);
    color:var(--ink);text-decoration:none;-webkit-tap-highlight-color:transparent;
}
.hub-state > span{grid-column:1}
.hub-state__name{font-size:1.35rem;font-weight:800;letter-spacing:-.02em;line-height:1.2;text-decoration:underline;text-decoration-color:transparent;text-decoration-thickness:2px;text-underline-offset:5px;transition:color var(--t) var(--ease),text-decoration-color var(--t) var(--ease)}
.hub-state__line{max-width:52ch;margin-top:6px;font-size:.98rem;line-height:1.55;color:var(--txb-copy)}
.hub-state__date{margin-top:6px;font-size:.84rem;line-height:1.4;color:var(--muted)}
.hub-state svg{grid-column:2;grid-row:1 / span 3;width:20px;height:20px;color:var(--accent)}
.hub-state:hover .hub-state__name{color:var(--accent);text-decoration-color:currentColor}
.tx-b .hub-state:focus-visible{outline:2px solid var(--accent);outline-offset:4px;border-radius:6px}
.hub-empty{margin-top:16px;max-width:34em;font-size:1.0625rem;line-height:1.7;color:var(--txb-copy)}
.hub-empty a{color:var(--accent);text-underline-offset:4px}
@media (min-width:1000px){
    .hub .txb-start{position:sticky;top:96px}
}