/* =====================================================
   FinanceSimply.org — Main Stylesheet
   Finance, finally explained.
===================================================== */

/* --- Google Fonts Import --- */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=Source+Serif+4:wght@400;600&family=DM+Sans:wght@400;500;600&display=swap');

/* --- CSS Custom Properties --- */
:root {
  --dark:       #111827;
  --gold:       #e8a020;
  --gold-light: #fef3dc;
  --off-white:  #fafaf8;
  --white:      #ffffff;
  --border:     #e8e8f0;
  --green:      #1a7a4a;
  --green-bg:   #e8f5ee;
  --text:       #1f2937;
  --text-muted: #6b7280;
  --text-light: #9ca3af;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.06);
  --shadow-md:  0 4px 16px rgba(0,0,0,.08);
  --shadow-lg:  0 8px 32px rgba(0,0,0,.12);
  --radius:     8px;
  --radius-lg:  12px;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Source Serif 4', Georgia, serif;
  --font-ui:      'DM Sans', system-ui, sans-serif;
  --max-w:      1160px;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  font-size: 17px;
  color: var(--text);
  background: var(--off-white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--gold); text-decoration: none; }
a:hover { text-decoration: underline; }

/* --- Container --- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

/* =====================================================
   HEADER
===================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--dark);
  border-bottom: 1px solid rgba(255,255,255,.07);
  height: 68px;
  display: flex;
  align-items: center;
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  width: 100%;
}

.site-logo {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: #fff;
  white-space: nowrap;
  text-decoration: none;
  flex-shrink: 0;
}
.site-logo span { color: var(--gold); }

.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  overflow-x: auto;
  scrollbar-width: none;
}
.site-nav::-webkit-scrollbar { display: none; }

.site-nav a {
  font-family: var(--font-ui);
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255,255,255,.65);
  padding: 6px 10px;
  border-radius: 6px;
  white-space: nowrap;
  text-decoration: none;
  transition: color .2s, background .2s;
}
.site-nav a:hover,
.site-nav a.active {
  color: #fff;
  background: rgba(255,255,255,.08);
}

.header-right {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.btn-search {
  background: none;
  border: none;
  color: rgba(255,255,255,.65);
  font-size: 18px;
  cursor: pointer;
  padding: 6px;
  line-height: 1;
  transition: color .2s;
}
.btn-search:hover { color: #fff; }

.btn-newsletter {
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 600;
  background: var(--gold);
  color: var(--dark);
  border: none;
  border-radius: 6px;
  padding: 8px 16px;
  cursor: pointer;
  text-decoration: none;
  transition: opacity .2s;
  white-space: nowrap;
}
.btn-newsletter:hover { opacity: .88; text-decoration: none; }

.menu-toggle {
  display: none;
  background: none;
  border: none;
  color: #fff;
  font-size: 22px;
  cursor: pointer;
  padding: 4px;
}

/* Mobile nav overlay */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 68px 0 0 0;
  background: var(--dark);
  z-index: 999;
  padding: 24px;
  flex-direction: column;
  gap: 4px;
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-family: var(--font-ui);
  font-size: 16px;
  font-weight: 500;
  color: rgba(255,255,255,.8);
  padding: 12px 16px;
  border-radius: 8px;
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: background .2s;
}
.mobile-nav a:hover { background: rgba(255,255,255,.08); color: #fff; }
.mobile-nav .btn-newsletter { margin-top: 16px; text-align: center; padding: 14px; font-size: 15px; }

/* =====================================================
   HERO
===================================================== */
.hero {
  background: var(--dark);
  padding: 72px 0 64px;
}

.hero-inner {
  display: grid;
  grid-template-columns: 58% 1fr;
  gap: 48px;
  align-items: center;
}

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-ui);
  font-size: 12px;
  font-weight: 500;
  color: var(--gold);
  background: rgba(232,160,32,.12);
  border: 1px solid rgba(232,160,32,.25);
  border-radius: 100px;
  padding: 4px 14px;
  margin-bottom: 24px;
  letter-spacing: .4px;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -.5px;
}
.hero h1 .gold { color: var(--gold); }

.hero-sub {
  font-family: var(--font-ui);
  font-size: 16px;
  color: rgba(255,255,255,.55);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 460px;
}

.hero-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.btn-primary {
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: 15px;
  background: var(--gold);
  color: var(--dark);
  padding: 12px 24px;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: opacity .2s, transform .15s;
}
.btn-primary:hover { opacity: .88; transform: translateY(-1px); text-decoration: none; }

.btn-ghost {
  font-family: var(--font-ui);
  font-weight: 500;
  font-size: 15px;
  background: transparent;
  color: rgba(255,255,255,.85);
  padding: 11px 24px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,.2);
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: border-color .2s, color .2s;
}
.btn-ghost:hover { border-color: rgba(255,255,255,.5); color: #fff; text-decoration: none; }

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.hero-badge {
  font-family: var(--font-ui);
  font-size: 12px;
  color: rgba(255,255,255,.5);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 100px;
  padding: 4px 12px;
}
.hero-badge::before { content: '✓ '; color: var(--green); }

/* Hero stats grid */
.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.stat-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  text-align: center;
}
.stat-card .num {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-card .label {
  font-family: var(--font-ui);
  font-size: 13px;
  color: rgba(255,255,255,.45);
}

/* =====================================================
   CATEGORY HUB STRIP
===================================================== */
.category-strip {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 0;
}
.category-strip-inner {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
}
.cat-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 24px 16px;
  border-right: 1px solid var(--border);
  text-decoration: none;
  transition: border-color .2s, background .2s;
  position: relative;
}
.cat-card:last-child { border-right: none; }
.cat-card:hover { background: var(--off-white); }
.cat-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .2s;
}
.cat-card:hover::after { transform: scaleX(1); }
.cat-icon {
  width: 40px; height: 40px;
  background: var(--gold-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
}
.cat-card span {
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  text-align: center;
}

/* =====================================================
   CALCULATOR SECTION
===================================================== */
.calculator-section {
  background: var(--dark);
  padding: 56px 0;
}
.calc-header {
  text-align: center;
  margin-bottom: 36px;
}
.calc-header h2 {
  font-family: var(--font-display);
  font-size: 30px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 10px;
}
.calc-header p {
  font-family: var(--font-ui);
  font-size: 15px;
  color: rgba(255,255,255,.5);
}

.calc-tabs {
  display: flex;
  gap: 4px;
  background: rgba(255,255,255,.06);
  border-radius: 10px;
  padding: 4px;
  margin-bottom: 28px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.calc-tab {
  flex: 1;
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,.55);
  background: none;
  border: none;
  border-radius: 7px;
  padding: 9px 8px;
  cursor: pointer;
  transition: background .2s, color .2s;
  white-space: nowrap;
}
.calc-tab.active {
  background: var(--gold);
  color: var(--dark);
  font-weight: 600;
}

.calc-body {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 32px;
  max-width: 700px;
  margin: 0 auto;
}

.calc-inputs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 20px;
}
.calc-field label {
  display: block;
  font-family: var(--font-ui);
  font-size: 12px;
  font-weight: 500;
  color: rgba(255,255,255,.5);
  margin-bottom: 6px;
  letter-spacing: .4px;
  text-transform: uppercase;
}
.calc-field input {
  width: 100%;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 8px;
  padding: 11px 14px;
  font-family: var(--font-ui);
  font-size: 15px;
  color: #fff;
  outline: none;
  transition: border-color .2s;
}
.calc-field input:focus { border-color: var(--gold); }

.calc-btn {
  width: 100%;
  background: var(--gold);
  color: var(--dark);
  font-family: var(--font-ui);
  font-weight: 700;
  font-size: 15px;
  border: none;
  border-radius: 8px;
  padding: 13px;
  cursor: pointer;
  margin-bottom: 20px;
  transition: opacity .2s;
}
.calc-btn:hover { opacity: .88; }

.calc-result {
  text-align: center;
  padding: 20px;
  background: rgba(232,160,32,.08);
  border: 1px solid rgba(232,160,32,.2);
  border-radius: 8px;
}
.calc-result .result-label {
  font-family: var(--font-ui);
  font-size: 13px;
  color: rgba(255,255,255,.5);
  margin-bottom: 6px;
}
.calc-result .result-num {
  font-family: var(--font-display);
  font-size: 40px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

/* =====================================================
   RATES BAR
===================================================== */
.rates-bar {
  background: #f4f4f0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 14px 0;
}
.rates-inner {
  display: flex;
  align-items: center;
  gap: 0;
  justify-content: space-between;
}
.rates-label {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-right: 24px;
  white-space: nowrap;
  flex-shrink: 0;
}
.rate-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  padding: 0 20px;
  border-left: 1px solid var(--border);
  text-decoration: none;
}
.rate-item:first-of-type { border-left: 1px solid var(--border); }
.rate-item:hover .rate-val { color: var(--gold); }
.rate-val {
  font-family: var(--font-ui);
  font-size: 17px;
  font-weight: 600;
  color: var(--text);
  transition: color .2s;
}
.rate-name {
  font-family: var(--font-ui);
  font-size: 11px;
  color: var(--text-muted);
  white-space: nowrap;
}

/* =====================================================
   ARTICLE GRID / CARDS
===================================================== */
.section-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 28px;
  padding-top: 56px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 700;
  color: var(--text);
}
.view-all {
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
}
.view-all:hover { text-decoration: underline; }

/* Featured 3-col grid */
.featured-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 20px;
  margin-bottom: 48px;
}

.article-card {
  background: var(--white);
  border: 0.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  transition: box-shadow .2s, transform .2s;
}
.article-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  text-decoration: none;
}

.card-img {
  width: 100%;
  aspect-ratio: 16/9;
  object-fit: cover;
  display: block;
}

/* Fallback image block for cards without real photos */
.card-img-placeholder {
  width: 100%;
  aspect-ratio: 16/9;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 40px;
}

.card-body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.card-cat {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 8px;
}

.card-title {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 600;
  color: var(--text);
  line-height: 1.4;
  margin-bottom: 10px;
  flex: 1;
}
.featured-grid .article-card:first-child .card-title {
  font-size: 21px;
}

.card-meta {
  font-family: var(--font-ui);
  font-size: 12px;
  color: var(--text-muted);
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}
.card-meta span { display: flex; align-items: center; gap: 4px; }
.card-meta .dot { color: var(--border); }

/* Latest articles — 2-col with sidebar */
.content-sidebar-grid {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  padding-bottom: 64px;
}

.posts-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.list-card {
  display: grid;
  grid-template-columns: 90px 1fr;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
  text-decoration: none;
  color: inherit;
  align-items: start;
  transition: opacity .2s;
}
.list-card:hover { opacity: .8; }
.list-card-thumb {
  width: 90px;
  height: 72px;
  object-fit: cover;
  border-radius: 6px;
  flex-shrink: 0;
}
.list-card-thumb-placeholder {
  width: 90px;
  height: 72px;
  border-radius: 6px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
}
.list-card-body .card-title {
  font-size: 15px;
  margin-bottom: 6px;
}
.list-card-body .card-meta { padding-top: 6px; }

/* =====================================================
   SIDEBAR
===================================================== */
.sidebar { position: relative; }

.sidebar-widget {
  background: var(--white);
  border: 0.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px;
  margin-bottom: 24px;
}
.sidebar-widget h3 {
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}

.most-read-item {
  display: flex;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  align-items: start;
  text-decoration: none;
  color: inherit;
}
.most-read-item:last-child { border-bottom: none; }
.most-read-num {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--border);
  line-height: 1;
  min-width: 24px;
}
.most-read-title {
  font-family: var(--font-body);
  font-size: 14px;
  line-height: 1.45;
  color: var(--text);
}
.most-read-item:hover .most-read-title { color: var(--gold); }

/* Sidebar newsletter */
.sidebar-newsletter {
  background: var(--dark);
  border-color: var(--dark);
}
.sidebar-newsletter h3 {
  color: rgba(255,255,255,.6);
  border-color: rgba(255,255,255,.1);
}
.sidebar-newsletter p {
  font-family: var(--font-ui);
  font-size: 13px;
  color: rgba(255,255,255,.65);
  margin-bottom: 14px;
  line-height: 1.6;
}
.sidebar-newsletter input[type="email"] {
  width: 100%;
  padding: 10px 14px;
  border-radius: 7px;
  border: 1px solid rgba(255,255,255,.15);
  background: rgba(255,255,255,.08);
  color: #fff;
  font-family: var(--font-ui);
  font-size: 14px;
  margin-bottom: 8px;
  outline: none;
}
.sidebar-newsletter input::placeholder { color: rgba(255,255,255,.35); }
.sidebar-newsletter button {
  width: 100%;
  background: var(--gold);
  color: var(--dark);
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: 14px;
  border: none;
  border-radius: 7px;
  padding: 10px;
  cursor: pointer;
  transition: opacity .2s;
}
.sidebar-newsletter button:hover { opacity: .88; }

/* AdSense placeholder */
.ad-unit {
  background: #f5f5f0;
  border: 1px dashed #d0d0c8;
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  margin-bottom: 24px;
}
.ad-unit-728 { height: 90px; width: 100%; }
.ad-unit-300 { height: 250px; width: 100%; }
.ad-unit span {
  font-family: var(--font-ui);
  font-size: 10px;
  color: #aaa;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.ad-disclosure {
  background: #fffbf0;
  border: 1px solid #f0dfa0;
  border-radius: var(--radius);
  padding: 12px 14px;
  font-family: var(--font-ui);
  font-size: 11px;
  color: #8a6d00;
  line-height: 1.55;
  margin-bottom: 24px;
}
.ad-disclosure a { color: #8a6d00; }

/* =====================================================
   NEWSLETTER SECTION (Full Width)
===================================================== */
.newsletter-section {
  background: var(--dark);
  padding: 64px 0;
  margin-top: 56px;
}
.newsletter-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.newsletter-inner h2 {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 12px;
}
.newsletter-inner p {
  font-family: var(--font-ui);
  font-size: 15px;
  color: rgba(255,255,255,.55);
  line-height: 1.7;
}
.newsletter-rating {
  margin-top: 16px;
  font-family: var(--font-ui);
  font-size: 13px;
  color: var(--gold);
}
.newsletter-form-wrap {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.newsletter-form-wrap input[type="email"] {
  width: 100%;
  padding: 14px 18px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,.15);
  background: rgba(255,255,255,.07);
  color: #fff;
  font-family: var(--font-ui);
  font-size: 15px;
  outline: none;
  transition: border-color .2s;
}
.newsletter-form-wrap input:focus { border-color: var(--gold); }
.newsletter-form-wrap input::placeholder { color: rgba(255,255,255,.3); }
.newsletter-form-wrap button {
  background: var(--gold);
  color: var(--dark);
  font-family: var(--font-ui);
  font-weight: 700;
  font-size: 15px;
  border: none;
  border-radius: 8px;
  padding: 14px;
  cursor: pointer;
  transition: opacity .2s;
}
.newsletter-form-wrap button:hover { opacity: .88; }
.nl-note {
  font-family: var(--font-ui);
  font-size: 12px;
  color: rgba(255,255,255,.35);
}

/* =====================================================
   EXPERT TEAM STRIP
===================================================== */
.experts-section {
  background: var(--white);
  padding: 56px 0;
  border-top: 1px solid var(--border);
}
.experts-section .section-title {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  text-align: center;
  color: var(--text);
  margin-bottom: 36px;
}
.experts-grid {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
}
.expert-card {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.expert-avatar {
  width: 64px; height: 64px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 2px;
}
.expert-name {
  font-family: var(--font-ui);
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
}
.expert-cred {
  font-family: var(--font-ui);
  font-size: 12px;
  color: var(--gold);
  font-weight: 500;
}
.experts-cta {
  text-align: center;
  margin-top: 32px;
}
.experts-cta a {
  font-family: var(--font-ui);
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
}

/* =====================================================
   TRUST STRIP
===================================================== */
.trust-strip {
  background: #f4f4f0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 40px 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.trust-item {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.trust-item .ti {
  font-size: 22px;
  color: var(--green);
}
.trust-item strong {
  font-family: var(--font-ui);
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
}
.trust-item p {
  font-family: var(--font-ui);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* =====================================================
   FOOTER
===================================================== */
.site-footer {
  background: var(--dark);
  padding: 56px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand .site-logo { font-size: 20px; margin-bottom: 14px; display: block; }
.footer-brand p {
  font-family: var(--font-ui);
  font-size: 13px;
  color: rgba(255,255,255,.45);
  line-height: 1.7;
  margin-bottom: 20px;
}
.footer-col h4 {
  font-family: var(--font-ui);
  font-size: 12px;
  font-weight: 600;
  color: rgba(255,255,255,.4);
  text-transform: uppercase;
  letter-spacing: .7px;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-family: var(--font-ui);
  font-size: 13.5px;
  color: rgba(255,255,255,.6);
  text-decoration: none;
  transition: color .2s;
}
.footer-col ul li a:hover { color: #fff; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding: 20px 0;
}
.footer-bottom p, .footer-bottom a {
  font-family: var(--font-ui);
  font-size: 12px;
  color: rgba(255,255,255,.3);
  text-decoration: none;
}
.footer-bottom a:hover { color: rgba(255,255,255,.6); }
.footer-bottom-links { display: flex; gap: 20px; flex-wrap: wrap; }

/* =====================================================
   ARTICLE PAGE
===================================================== */
.reading-progress {
  position: fixed;
  top: 68px;
  left: 0;
  width: 0%;
  height: 3px;
  background: var(--gold);
  z-index: 999;
  transition: width .1s linear;
}

.breadcrumb {
  font-family: var(--font-ui);
  font-size: 13px;
  color: var(--text-muted);
  padding: 16px 0 0;
  display: flex;
  gap: 6px;
  align-items: center;
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--text-muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb .sep { color: var(--border); }
.breadcrumb .current { color: var(--text); }

.article-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  padding-bottom: 64px;
}
.article-main { min-width: 0; }

.article-header { padding: 0 0 32px; }

.article-cat-tag {
  display: inline-block;
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: var(--gold);
  background: var(--gold-light);
  border: 1px solid rgba(232,160,32,.3);
  border-radius: 100px;
  padding: 4px 12px;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 16px;
}

.article-header h1 {
  font-family: var(--font-display);
  font-size: 40px;
  font-weight: 800;
  color: var(--text);
  line-height: 1.2;
  margin-bottom: 16px;
  letter-spacing: -.3px;
}

.article-deck {
  font-family: var(--font-body);
  font-size: 19px;
  color: var(--text-muted);
  line-height: 1.65;
  border-left: 3px solid var(--gold);
  padding-left: 16px;
  margin-bottom: 20px;
}

.article-byline {
  background: var(--green-bg);
  border: 1px solid rgba(26,122,74,.2);
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-bottom: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}
.byline-item {
  font-family: var(--font-ui);
  font-size: 13px;
  color: #1a5c3a;
  display: flex;
  gap: 4px;
}
.byline-item strong { font-weight: 600; }
.byline-sep { color: rgba(26,122,74,.3); }

.article-featured-img {
  width: 100%;
  border-radius: var(--radius-lg);
  margin-bottom: 32px;
  aspect-ratio: 16/9;
  object-fit: cover;
  display: block;
}
.article-img-placeholder {
  width: 100%;
  border-radius: var(--radius-lg);
  margin-bottom: 32px;
  aspect-ratio: 16/9;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 64px;
}

/* Article content blocks */
.quick-answer {
  background: var(--green-bg);
  border-left: 4px solid var(--green);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 22px;
  margin-bottom: 28px;
}
.quick-answer .qa-label {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: var(--green);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 10px;
}
.quick-answer p {
  font-family: var(--font-body);
  font-size: 16px;
  color: #1a3d2b;
  line-height: 1.7;
}

.key-takeaways {
  background: var(--gold-light);
  border: 1px solid rgba(232,160,32,.3);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-bottom: 28px;
}
.key-takeaways .kt-label {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: #8a6000;
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 12px;
}
.key-takeaways ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.key-takeaways li {
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text);
  padding-left: 20px;
  position: relative;
  line-height: 1.55;
}
.key-takeaways li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
}

.toc-box {
  background: var(--white);
  border: 0.5px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-bottom: 32px;
}
.toc-box .toc-label {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 12px;
}
.toc-box ol {
  padding-left: 18px;
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.toc-box li a {
  font-family: var(--font-ui);
  font-size: 14px;
  color: var(--text);
  text-decoration: none;
  transition: color .2s;
}
.toc-box li a:hover { color: var(--gold); }

/* Article body typography */
.article-body { margin-bottom: 40px; }
.article-body h2 {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 700;
  color: var(--text);
  margin: 40px 0 16px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  line-height: 1.3;
}
.article-body h3 {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--text);
  margin: 28px 0 12px;
}
.article-body p {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.78;
  color: var(--text);
  margin-bottom: 22px;
}
.article-body a { color: var(--gold); }
.article-body a:hover { text-decoration: underline; }
.article-body ul, .article-body ol {
  padding-left: 24px;
  margin-bottom: 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.article-body li {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
}

/* Comparison table */
.comparison-table-wrap {
  overflow-x: auto;
  margin-bottom: 32px;
  border-radius: var(--radius);
  border: 0.5px solid var(--border);
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  font-family: var(--font-ui);
  font-size: 14px;
}
.comparison-table thead tr { background: var(--dark); }
.comparison-table thead th {
  padding: 14px 16px;
  text-align: left;
  color: rgba(255,255,255,.85);
  font-weight: 600;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.comparison-table tbody tr { border-bottom: 1px solid var(--border); }
.comparison-table tbody tr:last-child { border-bottom: none; }
.comparison-table tbody tr:nth-child(even) { background: #fbfbf9; }
.comparison-table tbody tr.winner { background: var(--green-bg); }
.comparison-table td { padding: 13px 16px; color: var(--text); vertical-align: middle; }
.table-note {
  font-family: var(--font-ui);
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 8px;
  margin-bottom: 28px;
}

/* Stats callout */
.stats-callout {
  background: #eef4ff;
  border-left: 4px solid #3b82f6;
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 18px 22px;
  margin-bottom: 28px;
}
.stats-callout p {
  font-family: var(--font-body);
  font-size: 15.5px;
  color: #1e3a5f;
  line-height: 1.65;
  margin-bottom: 0;
}

/* Expert commentary */
.expert-commentary {
  background: #f8f8fc;
  border: 0.5px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-bottom: 28px;
}
.ec-label {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 12px;
}
.ec-quote {
  font-family: var(--font-body);
  font-size: 16.5px;
  color: var(--text);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 10px;
}
.ec-attribution {
  font-family: var(--font-ui);
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 500;
}

/* Summary box */
.summary-box {
  background: var(--dark);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 36px;
}
.summary-box .sb-label {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 16px;
}
.summary-box ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.summary-box li {
  font-family: var(--font-ui);
  font-size: 14px;
  color: rgba(255,255,255,.8);
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}
.summary-box li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--gold);
}

/* Sources */
.sources-section {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  margin-bottom: 36px;
}
.sources-section h3 {
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .6px;
  margin-bottom: 14px;
}
.sources-section ol {
  padding-left: 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.sources-section li {
  font-family: var(--font-ui);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.55;
}
.sources-section li a { color: var(--gold); font-size: 13px; }

/* FAQ */
.faq-section { margin-bottom: 40px; }
.faq-section h2 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 20px;
}
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 18px 0;
}
.faq-item h3 {
  font-family: var(--font-ui);
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 10px;
  cursor: pointer;
}
.faq-item p {
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* Related articles */
.related-articles { margin-bottom: 48px; }
.related-articles h2 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 20px;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

/* Author bio */
.author-bio {
  background: var(--white);
  border: 0.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 28px;
  display: flex;
  gap: 20px;
  align-items: start;
}
.author-bio .avatar {
  width: 60px; height: 60px;
  border-radius: 50%;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: #fff;
}
.author-bio h4 {
  font-family: var(--font-ui);
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 2px;
}
.author-bio .cred {
  font-family: var(--font-ui);
  font-size: 12px;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 8px;
}
.author-bio p {
  font-family: var(--font-ui);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}
.author-bio a {
  font-size: 13px;
  font-family: var(--font-ui);
  font-weight: 500;
}

/* Editorial disclosure */
.editorial-disclosure {
  background: #f8f8f8;
  border: 0.5px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 18px;
  margin-bottom: 32px;
}
.editorial-disclosure p {
  font-family: var(--font-ui);
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.6;
}
.editorial-disclosure a { font-size: 12px; }

/* Sticky sidebar TOC */
.sidebar-toc { position: sticky; top: 88px; }
.toc-widget { max-height: 60vh; overflow-y: auto; }
.toc-widget li { margin-bottom: 6px; }
.toc-widget a.active { color: var(--gold); font-weight: 600; }

/* =====================================================
   CATEGORY PAGE
===================================================== */
.category-hero {
  background: var(--dark);
  padding: 48px 0 40px;
  text-align: center;
}
.category-hero-icon { font-size: 48px; margin-bottom: 12px; }
.category-hero h1 {
  font-family: var(--font-display);
  font-size: 38px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 10px;
}
.category-hero p {
  font-family: var(--font-ui);
  font-size: 15px;
  color: rgba(255,255,255,.55);
  max-width: 500px;
  margin: 0 auto 16px;
}
.category-count-badge {
  font-family: var(--font-ui);
  font-size: 12px;
  color: rgba(255,255,255,.4);
}

.filter-chips {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
}
.chips-inner {
  display: flex;
  gap: 8px;
  overflow-x: auto;
  scrollbar-width: none;
  padding-bottom: 2px;
}
.chips-inner::-webkit-scrollbar { display: none; }
.chip {
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
  background: none;
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 6px 16px;
  cursor: pointer;
  white-space: nowrap;
  text-decoration: none;
  transition: all .2s;
}
.chip:hover, .chip.active {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--dark);
  text-decoration: none;
}

.category-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  padding: 48px 0 56px;
}

/* Pagination */
.pagination {
  display: flex;
  justify-content: center;
  gap: 8px;
  padding-bottom: 56px;
}
.page-btn {
  font-family: var(--font-ui);
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  background: var(--white);
  border: 0.5px solid var(--border);
  border-radius: 6px;
  padding: 8px 14px;
  cursor: pointer;
  text-decoration: none;
  transition: all .2s;
}
.page-btn:hover, .page-btn.active {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--dark);
  text-decoration: none;
}

/* =====================================================
   UTILITY PAGES (About, Editorial, etc.)
===================================================== */
.page-hero {
  background: var(--dark);
  padding: 64px 0;
  text-align: center;
}
.page-hero h1 {
  font-family: var(--font-display);
  font-size: 42px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
}
.page-hero p {
  font-family: var(--font-ui);
  font-size: 16px;
  color: rgba(255,255,255,.55);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.7;
}

.prose-page {
  max-width: 760px;
  margin: 56px auto;
  padding: 0 24px;
}
.prose-page h2 {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 700;
  color: var(--text);
  margin: 40px 0 14px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
}
.prose-page h2:first-child { margin-top: 0; padding-top: 0; border-top: none; }
.prose-page p, .prose-page li {
  font-family: var(--font-body);
  font-size: 17px;
  color: var(--text);
  line-height: 1.78;
  margin-bottom: 18px;
}
.prose-page ul { padding-left: 22px; }
.prose-page strong { font-weight: 600; }
.prose-page a { color: var(--gold); }

/* Contact form */
.contact-form { max-width: 600px; }
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-family: var(--font-ui);
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 7px;
  font-family: var(--font-ui);
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  outline: none;
  transition: border-color .2s;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { border-color: var(--gold); }
.form-group textarea { min-height: 130px; resize: vertical; }

/* =====================================================
   COOKIE BANNER
===================================================== */
.cookie-banner {
  position: fixed;
  bottom: 20px;
  left: 20px;
  right: 20px;
  max-width: 520px;
  background: var(--dark);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
  padding: 18px 22px;
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  box-shadow: var(--shadow-lg);
  z-index: 10000;
  transition: opacity .3s, transform .3s;
}
.cookie-banner.hidden { opacity: 0; transform: translateY(20px); pointer-events: none; }
.cookie-banner p {
  font-family: var(--font-ui);
  font-size: 13px;
  color: rgba(255,255,255,.7);
  line-height: 1.5;
}
.cookie-banner a { color: var(--gold); font-size: 13px; }
.cookie-accept {
  background: var(--gold);
  color: var(--dark);
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: 13px;
  border: none;
  border-radius: 6px;
  padding: 9px 18px;
  cursor: pointer;
  white-space: nowrap;
}

/* Back to top */
.back-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 40px; height: 40px;
  background: var(--dark);
  color: var(--gold);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 8px;
  font-size: 16px;
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 999;
  transition: background .2s;
}
.back-to-top.visible { display: flex; }
.back-to-top:hover { background: #1e2d44; }

/* =====================================================
   RESPONSIVE
===================================================== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .featured-grid { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 38px; }
}

@media (max-width: 768px) {
  .site-nav { display: none; }
  .menu-toggle { display: block; }
  .header-right .btn-newsletter { display: none; }

  .hero { padding: 48px 0 40px; }
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: 32px; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }

  .category-strip-inner {
    grid-template-columns: repeat(3, 1fr);
  }
  .cat-card:nth-child(4), .cat-card:nth-child(5) { grid-column: span 1; }

  .calc-inputs { grid-template-columns: 1fr; }

  .rates-inner { flex-wrap: wrap; gap: 8px; }
  .rate-item { border-left: none; padding: 6px 12px; }

  .featured-grid { grid-template-columns: 1fr; }

  .content-sidebar-grid { grid-template-columns: 1fr; }
  .sidebar { display: none; }

  .article-layout { grid-template-columns: 1fr; }
  .article-layout .sidebar { display: none; }

  .article-header h1 { font-size: 28px; }

  .related-grid { grid-template-columns: 1fr; }

  .newsletter-inner { grid-template-columns: 1fr; gap: 24px; }

  .trust-grid { grid-template-columns: 1fr 1fr; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }

  .category-grid { grid-template-columns: 1fr; }

  .author-bio { flex-direction: column; }

  .page-hero h1 { font-size: 28px; }
}

@media (max-width: 480px) {
  .category-strip-inner { grid-template-columns: repeat(2, 1fr); }
  .hero-ctas { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: start; }
  .trust-grid { grid-template-columns: 1fr; }
  .experts-grid { gap: 16px; }
}