/* MoneyGuidance — editorial stylesheet. No frameworks, no external fonts. */

:root {
  color-scheme: light;
  --ink:      #12181d;
  --ink-soft: #4a5761;
  --ink-faint:#6d7a85;
  --line:     #e2e7ea;
  --line-soft:#eef2f4;
  --bg:       #ffffff;
  --surface:  #f6f8f9;
  --accent:   #0b6b5f;
  --accent-ink:#075048;
  --accent-wash:#e8f3f1;
  --warn-wash:#fdf6e8;
  --warn-line:#e8cf9a;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(18,24,29,.05), 0 8px 24px -18px rgba(18,24,29,.25);
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --measure: 40rem;
}

@media (prefers-color-scheme: dark) {
  :root {
    color-scheme: dark;
    --ink:      #e9eef1;
    --ink-soft: #b0bcc4;
    --ink-faint:#8d9aa3;
    --line:     #2a343b;
    --line-soft:#212a30;
    --bg:       #11171b;
    --surface:  #182026;
    --accent:   #5ec4b2;
    --accent-ink:#8fdccd;
    --accent-wash:#16302c;
    --warn-wash:#2a2416;
    --warn-line:#5b4c25;
    --shadow: 0 1px 2px rgba(0,0,0,.4), 0 8px 24px -18px rgba(0,0,0,.8);
  }
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 400 1.0625rem/1.65 var(--sans);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; height: auto; }

a { color: var(--accent-ink); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--accent); }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; line-height: 1.2; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 1.4rem + 2.4vw, 2.9rem); margin: 0 0 .5rem; }
h2 { font-size: clamp(1.4rem, 1.2rem + .9vw, 1.8rem); }
h3 { font-size: 1.18rem; }

.wrap { width: min(72rem, 100% - 2.5rem); margin-inline: auto; }
.wrap--narrow { width: min(46rem, 100% - 2.5rem); }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap;
}

.skip {
  position: absolute; left: -999px; top: 0; z-index: 100;
  background: var(--accent); color: #fff; padding: .7rem 1rem; border-radius: 0 0 8px 0;
}
.skip:focus { left: 0; }

:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 4px; }

/* ---------- header ---------- */
.masthead {
  border-bottom: 1px solid var(--line);
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter: saturate(1.4) blur(8px);
  position: sticky; top: 0; z-index: 40;
}
.masthead__inner { display: flex; align-items: center; gap: 1rem; min-height: 4.1rem; }

.logo { display: inline-flex; align-items: center; gap: .55rem; color: var(--ink); text-decoration: none; }
.logo__mark { color: var(--accent); flex: none; }
.logo__text { font-family: var(--serif); font-size: 1.22rem; letter-spacing: -.02em; }
.logo__text strong { font-weight: 600; color: var(--accent-ink); }

.sitenav { margin-left: auto; }
.sitenav ul { display: flex; gap: 1.35rem; list-style: none; margin: 0; padding: 0; }
.sitenav a {
  color: var(--ink-soft); text-decoration: none; font-size: .95rem;
  padding: .35rem 0; display: inline-block; border-bottom: 2px solid transparent;
}
.sitenav a:hover { color: var(--ink); }
.sitenav a[aria-current] { color: var(--ink); border-bottom-color: var(--accent); }

.navtoggle {
  margin-left: auto; display: none; width: 2.6rem; height: 2.6rem;
  border: 1px solid var(--line); border-radius: 9px; background: var(--bg);
  color: var(--ink); cursor: pointer; position: relative;
}
.navtoggle__bars, .navtoggle__bars::before, .navtoggle__bars::after {
  position: absolute; left: 50%; width: 1.05rem; height: 2px; background: currentColor;
  transform: translateX(-50%); border-radius: 2px; content: "";
}
.navtoggle__bars { top: 50%; transform: translate(-50%, -50%); }
.navtoggle__bars::before { top: -6px; }
.navtoggle__bars::after  { top: 6px; }

@media (max-width: 860px) {
  .navtoggle { display: block; }
  .sitenav {
    position: absolute; inset: 100% 0 auto 0; background: var(--bg);
    border-bottom: 1px solid var(--line); display: none; padding: .5rem 0 1rem;
  }
  .sitenav.is-open { display: block; }
  .sitenav ul { flex-direction: column; gap: 0; width: min(72rem, 100% - 2.5rem); margin-inline: auto; }
  .sitenav li { border-bottom: 1px solid var(--line-soft); }
  .sitenav a { display: block; padding: .85rem .1rem; font-size: 1rem; border: 0; }
}

/* ---------- hero ---------- */
.hero {
  padding: clamp(3rem, 6vw, 5.5rem) 0 clamp(2.5rem, 4vw, 3.5rem);
  background: linear-gradient(180deg, var(--surface), var(--bg));
  border-bottom: 1px solid var(--line-soft);
}
.hero__eyebrow {
  margin: 0 0 .8rem; text-transform: uppercase; letter-spacing: .12em;
  font-size: .74rem; font-weight: 700; color: var(--accent);
}
.hero h1 { max-width: 20ch; }
.hero__lede { max-width: 60ch; color: var(--ink-soft); font-size: 1.12rem; margin: 1rem 0 1.8rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: .7rem; margin: 0; }

.btn {
  display: inline-block; background: var(--accent); color: #fff; border: 1px solid var(--accent);
  padding: .68rem 1.15rem; border-radius: 9px; font: 600 .95rem/1 var(--sans);
  text-decoration: none; cursor: pointer;
}
.btn:hover { background: var(--accent-ink); border-color: var(--accent-ink); color: #fff; }
.btn--ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn--ghost:hover { background: var(--surface); color: var(--ink); border-color: var(--ink-faint); }
@media (prefers-color-scheme: dark) { .btn, .btn:hover { color: #0d1416; } }

/* ---------- sections & grids ---------- */
.section { padding: clamp(2.2rem, 4vw, 3.4rem) 0 0; }
.section__title { margin: 0 0 .4rem; }
.section__title a { color: inherit; text-decoration: none; }
.section__title a:hover { color: var(--accent-ink); }
.section__intro { margin: 0 0 1.5rem; color: var(--ink-soft); max-width: 62ch; }
.section__more { margin: 1.4rem 0 0; font-weight: 600; }
.section__more a { text-decoration: none; }

.grid { display: grid; gap: 1.1rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }

.card {
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--bg);
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.card:hover { border-color: var(--ink-faint); transform: translateY(-2px); box-shadow: var(--shadow); }
@media (prefers-reduced-motion: reduce) { .card:hover { transform: none; } }
.card__link { display: block; padding: 1.3rem 1.35rem 1.45rem; color: inherit; text-decoration: none; height: 100%; }
.card__cat {
  display: inline-block; font-size: .7rem; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--accent); margin-bottom: .55rem;
}
.card__cat a { color: inherit; text-decoration: none; }
.card__title { margin: 0 0 .5rem; font-size: 1.16rem; }
.card--featured .card__title { font-size: 1.45rem; }
.card__excerpt { margin: 0 0 .9rem; color: var(--ink-soft); font-size: .96rem; }
.card__meta { font-size: .8rem; color: var(--ink-faint); }

.topic {
  display: block; padding: 1.3rem 1.35rem; border: 1px solid var(--line);
  border-radius: var(--radius); background: var(--surface); text-decoration: none; color: inherit;
}
.topic:hover { border-color: var(--accent); color: inherit; }
.topic h3 { margin: 0 0 .4rem; }
.topic p { margin: 0 0 .8rem; color: var(--ink-soft); font-size: .93rem; }
.topic__count { font-size: .78rem; color: var(--accent); font-weight: 700; letter-spacing: .04em; }

.stripe {
  margin-top: clamp(3rem, 6vw, 4.5rem); padding: clamp(2.5rem, 5vw, 4rem) 0;
  background: var(--surface); border-top: 1px solid var(--line-soft);
}
.stripe h2 { margin-top: 0; }
.pillars { display: grid; gap: 1.6rem; margin-top: 1.4rem; }
.pillars h3 { margin: 0 0 .35rem; }
.pillars p { margin: 0; color: var(--ink-soft); }

/* ---------- article ---------- */
.crumbs { margin: 1.5rem 0 0; font-size: .84rem; color: var(--ink-faint); }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .45rem; margin: 0; padding: 0; }
.crumbs li + li::before { content: "/"; margin-right: .45rem; color: var(--line); }
.crumbs a { color: var(--ink-faint); text-decoration: none; }
.crumbs a:hover { color: var(--accent-ink); text-decoration: underline; }

.articlehead, .pagehead { padding: 1.6rem 0 1.4rem; border-bottom: 1px solid var(--line-soft); margin-bottom: 2rem; }
.pagehead { margin-bottom: 1rem; }
.lede { font-size: 1.13rem; color: var(--ink-soft); max-width: 58ch; margin: .8rem 0 0; }
.lede p:first-child { margin-top: 0; }
.byline { font-size: .87rem; color: var(--ink-faint); margin: 1.1rem 0 0; }

.toc {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.1rem 1.3rem 1.2rem; margin: 0 0 2.2rem;
}
.toc__title { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em;
  font-family: var(--sans); font-weight: 700; color: var(--ink-faint); margin: 0 0 .6rem; }
.toc ol { margin: 0; padding-left: 1.15rem; }
.toc li { margin: .3rem 0; }
.toc a { color: var(--ink); text-decoration: none; font-size: .96rem; }
.toc a:hover { color: var(--accent-ink); text-decoration: underline; }

.prose { max-width: var(--measure); }
.prose > * { max-width: 100%; }
.prose p, .prose ul, .prose ol { margin: 0 0 1.15rem; }
.prose h2 { margin: 2.6rem 0 .8rem; scroll-margin-top: 5.5rem; }
.prose h3 { margin: 2rem 0 .6rem; scroll-margin-top: 5.5rem; }
.prose ul, .prose ol { padding-left: 1.3rem; }
.prose li { margin: .45rem 0; }
.prose li > ul, .prose li > ol { margin: .45rem 0; }
.prose strong { font-weight: 650; }
.prose blockquote {
  margin: 1.6rem 0; padding: .2rem 0 .2rem 1.2rem;
  border-left: 3px solid var(--accent); color: var(--ink-soft); font-style: italic;
}
.prose code {
  font: 500 .9em/1.4 ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  background: var(--surface); border: 1px solid var(--line-soft);
  padding: .1em .35em; border-radius: 5px;
}

.tablewrap { overflow-x: auto; margin: 1.6rem 0; border: 1px solid var(--line); border-radius: var(--radius); }
table { border-collapse: collapse; width: 100%; font-size: .94rem; }
caption { caption-side: top; text-align: left; padding: .85rem 1rem .1rem; color: var(--ink-faint); font-size: .84rem; }
th, td { padding: .7rem 1rem; text-align: left; border-bottom: 1px solid var(--line-soft); }
thead th { background: var(--surface); font-family: var(--sans); font-size: .82rem;
  text-transform: uppercase; letter-spacing: .06em; color: var(--ink-soft); }
tbody tr:last-child td { border-bottom: 0; }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; }

.callout {
  background: var(--accent-wash); border: 1px solid color-mix(in srgb, var(--accent) 30%, transparent);
  border-radius: var(--radius); padding: 1.1rem 1.3rem; margin: 1.8rem 0;
}
.callout > :first-child { margin-top: 0; }
.callout > :last-child { margin-bottom: 0; }
.callout h3 { font-family: var(--sans); font-size: .8rem; text-transform: uppercase;
  letter-spacing: .09em; color: var(--accent-ink); margin: 0 0 .5rem; }

.warning { background: var(--warn-wash); border-color: var(--warn-line); }
.warning h3 { color: var(--ink-soft); }

.keypoints { background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.2rem 1.4rem; margin: 0 0 2rem; }
.keypoints h2 { font-family: var(--sans); font-size: .8rem; text-transform: uppercase;
  letter-spacing: .09em; color: var(--ink-faint); margin: 0 0 .6rem; }
.keypoints ul { margin: 0; padding-left: 1.2rem; }

.faq { border-top: 1px solid var(--line-soft); padding: 1.1rem 0 .2rem; }
.faq__q { font-family: var(--serif); font-size: 1.1rem; font-weight: 600; margin-bottom: .45rem; }
.faq__a { color: var(--ink-soft); }
.faq__a p { margin: 0 0 .7rem; }

.notice {
  margin: 3rem 0 1rem; padding: 1.2rem 1.4rem; border: 1px dashed var(--line);
  border-radius: var(--radius); background: var(--surface); max-width: var(--measure);
}
.notice h2 { font-family: var(--sans); font-size: .8rem; text-transform: uppercase;
  letter-spacing: .09em; color: var(--ink-faint); margin: 0 0 .5rem; }
.notice p { margin: 0; font-size: .93rem; color: var(--ink-soft); }

.related { margin-top: 3.5rem; padding-top: 2.2rem; border-top: 1px solid var(--line); }
.related h2 { margin: 0 0 1.2rem; }

/* ---------- forms ---------- */
.form { display: grid; gap: 1.1rem; max-width: 34rem; margin: 1.5rem 0 0; }
.field { display: grid; gap: .35rem; }
.field label { font-weight: 600; font-size: .92rem; }
.field input, .field textarea, .field select {
  font: inherit; color: var(--ink); background: var(--bg);
  border: 1px solid var(--line); border-radius: 9px; padding: .65rem .8rem; width: 100%;
}
.field textarea { min-height: 9rem; resize: vertical; }
.field .hint { font-size: .84rem; color: var(--ink-faint); }

/* ---------- footer ---------- */
.footer { margin-top: clamp(3rem, 6vw, 5rem); border-top: 1px solid var(--line);
  background: var(--surface); padding: 3rem 0 1.6rem; font-size: .93rem; }
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; }
@media (max-width: 780px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 460px) { .footer__grid { grid-template-columns: 1fr; } }
.footer h2 { font-family: var(--sans); font-size: .78rem; text-transform: uppercase;
  letter-spacing: .09em; color: var(--ink-faint); margin: 0 0 .7rem; }
.footer ul { list-style: none; margin: 0; padding: 0; }
.footer li { margin: .4rem 0; }
.footer a { color: var(--ink-soft); text-decoration: none; }
.footer a:hover { color: var(--accent-ink); text-decoration: underline; }
.footer__about p { margin: .7rem 0 0; color: var(--ink-soft); max-width: 40ch; }
.footer__legal { margin-top: 2.4rem; padding-top: 1.4rem; border-top: 1px solid var(--line);
  color: var(--ink-faint); font-size: .85rem; }
.footer__legal p { margin: 0 0 .6rem; max-width: 75ch; }
.footer__copy { color: var(--ink-faint); }

/* ---------- cookie bar ---------- */
.cookiebar {
  position: fixed; inset: auto 0 0 0; z-index: 60; background: var(--bg);
  border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -20px rgba(0,0,0,.5);
  padding: 1rem 0;
}
.cookiebar__inner { display: flex; align-items: center; gap: 1.2rem; flex-wrap: wrap; }
.cookiebar p { margin: 0; flex: 1 1 24rem; font-size: .9rem; color: var(--ink-soft); }
.cookiebar__actions { display: flex; gap: .6rem; flex-wrap: wrap; }
.cookiebar__actions .btn { padding: .55rem .95rem; font-size: .88rem; }

/* ---------- hero side panel ---------- */
.hero__inner { display: grid; grid-template-columns: 1.15fr .85fr; gap: 3rem; align-items: center; }
@media (max-width: 900px) { .hero__inner { grid-template-columns: 1fr; gap: 2rem; } }
.hero__text .hero__lede { margin-bottom: 1.8rem; }

.herocard {
  background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.4rem 1.5rem 1.2rem; box-shadow: var(--shadow);
}
.herocard h2 {
  font-family: var(--sans); font-size: .76rem; text-transform: uppercase;
  letter-spacing: .1em; color: var(--ink-faint); margin: 0 0 .3rem;
}
.herocard ul { list-style: none; margin: 0; padding: 0; }
.herocard li { border-bottom: 1px solid var(--line-soft); }
.herocard li:last-child { border-bottom: 0; }
.herocard a {
  display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
  padding: .72rem 0; text-decoration: none; color: var(--ink);
}
.herocard a:hover strong { color: var(--accent-ink); }
.herocard strong { font-family: var(--serif); font-weight: 600; font-size: 1.05rem; }
.herocard span { font-size: .8rem; color: var(--ink-faint); white-space: nowrap; }
.herocard__foot {
  margin: .9rem 0 0; padding-top: .8rem; border-top: 1px solid var(--line);
  font-size: .8rem; color: var(--ink-faint);
}