/* GrantOwl: "Blend" look. Mobile-first: base styles are for phones, wider screens add to them. */

@font-face {
  font-family: "Source Sans 3";
  src: url("/fonts/source-sans-3.woff2") format("woff2");
  font-weight: 400 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Newsreader";
  src: url("/fonts/newsreader-500.woff2") format("woff2");
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Newsreader";
  src: url("/fonts/newsreader-500-italic.woff2") format("woff2");
  font-weight: 500;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "DM Mono";
  src: url("/fonts/dm-mono-500.woff2") format("woff2");
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

:root {
  --teal: #0e4b55;
  --teal-2: #1a6670;
  --orange: #f47b20;
  --orange-hover: #ff8d36;
  --orange-ink: #b0500e;
  --ink: #17323a;
  --muted: #475f64;
  --paper: #f8faf8;
  --white: #fff;
  --sage: #eef4ef;
  --chip: #e0ece4;
  --line: #d5e3da;
  --peach: #fff2e6;
  --peach-line: #f6d2b3;
  --footer: #12333b;

  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans: "Source Sans 3", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --mono: "DM Mono", ui-monospace, Menlo, Consolas, monospace;

  --wrap: 1120px;
  --gutter: clamp(16px, 4vw, 40px);
  --radius-card: 18px;
  --radius-img: 22px;
}

/* ---------- Base ---------- */

*,
*::before,
*::after { box-sizing: border-box; }

html {
  background: var(--paper);
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 18px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--teal);
  text-underline-offset: 3px;
}

a:hover { color: var(--teal-2); }

:focus-visible {
  outline: 3px solid var(--orange-ink);
  outline-offset: 3px;
  border-radius: 6px;
}

h1,
h2 {
  margin: 0;
  font-family: var(--serif);
  font-weight: 500;
  color: var(--teal);
  letter-spacing: -0.01em;
  text-wrap: balance;
}

h3 {
  margin: 0;
  font-weight: 700;
  color: var(--ink);
}

.wrap {
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.skip {
  position: absolute;
  left: -999px;
}

.skip:focus {
  left: 16px;
  top: 16px;
  z-index: 9;
  padding: 8px 12px;
  background: var(--white);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  font-family: var(--mono);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--orange-ink);
}

.eyebrow::before {
  content: "";
  flex: none;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--orange);
}

.tag {
  display: inline-block;
  align-self: flex-start;
  padding: 3px 10px;
  border-radius: 999px;
  background: var(--chip);
  color: var(--teal);
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-decoration: none;
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5em;
  min-height: 48px;
  padding: 12px 26px;
  border: 0;
  border-radius: 999px;
  font: 700 18px/1.2 var(--sans);
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.15s, transform 0.15s;
}

.btn-orange {
  background: var(--orange);
  color: #1a1208;
}

.btn-orange:hover {
  background: var(--orange-hover);
  color: #1a1208;
  transform: translateY(-1px);
}

/* ---------- Header ---------- */

.site-head {
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.site-head .wrap {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 8px 12px;
  min-height: 72px;
  padding-block: 10px;
}

.logo {
  display: flex;
  align-items: center;
  min-height: 44px;
}

.logo img {
  width: auto;
  height: 40px;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 2px 4px;
  margin: 0 0 0 -10px;
  padding: 0;
  list-style: none;
}

.nav a {
  display: flex;
  align-items: center;
  min-height: 44px;
  padding: 6px 10px;
  border-radius: 999px;
  color: var(--ink);
  font-size: 16px;
  font-weight: 600;
  text-decoration: none;
}

.nav a:hover,
.nav a[aria-current="page"] {
  background: var(--sage);
  color: var(--teal);
}

/* Phone menu: the Menu button only shows when JavaScript is on (nav.js adds .js) */
.nav-toggle { display: none; }

@media (max-width: 767px) {
  .js .nav-toggle {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    min-height: 44px;
    padding: 8px 16px;
    border: 1.5px solid var(--line);
    border-radius: 999px;
    background: var(--white);
    color: var(--teal);
    font: 700 16px/1 var(--sans);
    cursor: pointer;
  }

  .js .nav-toggle:hover { border-color: var(--teal); }

  .js .site-nav {
    display: none;
    flex-basis: 100%;
  }

  .js .site-nav.is-open { display: block; }

  .js .site-nav .nav {
    flex-direction: column;
    gap: 2px;
    margin: 0;
    padding: 6px 0 4px;
    border-top: 1px solid var(--line);
  }

  .js .site-nav .nav a {
    min-height: 48px;
    padding: 8px 14px;
    font-size: 18px;
  }
}

/* Three bars that turn into an X when the menu is open */
.nav-icon,
.nav-icon::before,
.nav-icon::after,
.nav-icon span {
  display: block;
  width: 18px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform 0.2s, opacity 0.2s;
}

.nav-icon {
  position: relative;
  background: transparent;
}

.nav-icon::before,
.nav-icon::after {
  content: "";
  position: absolute;
  left: 0;
}

.nav-icon::before { top: -6px; }
.nav-icon::after { top: 6px; }

.nav-toggle[aria-expanded="true"] .nav-icon span { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-icon::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-icon::after { transform: translateY(-6px) rotate(-45deg); }

/* Small text links get an invisible, taller tap area (44px) without changing their look */
.tag[href],
.path a,
.topic h2 a,
.topic-more,
.sitemap h3 a {
  position: relative;
}

.tag[href]::before,
.path a::before,
.topic h2 a::before,
.topic-more::before,
.sitemap h3 a::before {
  content: "";
  position: absolute;
  inset: -10px -4px;
}

/* ---------- Sections ---------- */

.section { padding-block: 56px; }
.section-tight { padding-top: 32px; }

.section h2,
.section-title {
  font-size: clamp(30px, 3.4vw, 42px);
  line-height: 1.15;
}

.section-title { margin-bottom: 28px; }

/* ---------- Hero ---------- */

.hero { padding-block: 40px; }

.hero .wrap {
  display: grid;
  gap: 32px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(38px, 5.6vw, 68px);
  line-height: 1.05;
  color: var(--ink);
}

.hero h1 em {
  font-style: italic;
  color: var(--teal);
}

.hero .hl {
  padding: 0 0.05em;
  background: linear-gradient(transparent 66%, rgba(244, 123, 32, 0.3) 66%);
}

.hero .lede {
  max-width: 34ch;
  margin: 20px 0 28px;
  font-size: clamp(19px, 1.9vw, 23px);
  color: var(--muted);
}

.hero-art {
  width: 100%;
  max-width: 560px;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border-radius: var(--radius-img);
  outline: 6px solid var(--white);
  box-shadow: 0 22px 44px -26px rgba(14, 75, 85, 0.55);
}

.hero-art img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 30% 50%;
}

/* ---------- Trust strip ---------- */

.trust {
  background: var(--white);
  border-block: 1px solid var(--line);
}

.trust ul {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 44px;
  margin: 0 auto;
  padding-block: 16px;
  list-style: none;
}

.trust li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 17px;
  font-weight: 600;
}

.trust li::before {
  content: "";
  flex: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--chip) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%230E4B55' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 20px no-repeat;
}

/* ---------- Three paths ---------- */

.paths {
  display: grid;
  gap: 14px;
  margin-top: 28px;
}

.path {
  display: flex;
  flex-direction: column;
  padding: 22px 24px;
  border: 1.5px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  transition: border-color 0.15s, transform 0.15s;
}

.path:hover {
  border-color: var(--teal-2);
  transform: translateY(-2px);
}

.path:nth-child(2) { background: var(--sage); }

.path:nth-child(3) {
  background: var(--peach);
  border-color: var(--peach-line);
}

.path h3 {
  margin-bottom: 18px;
  font-size: 23px;
  line-height: 1.25;
  color: var(--teal);
}

.path a {
  align-self: flex-start;
  margin-top: auto;
  padding-bottom: 1px;
  border-bottom: 2px solid transparent;
  color: var(--orange-ink);
  font-weight: 700;
  text-decoration: none;
}

.path a:hover { border-bottom-color: var(--orange); }

/* ---------- Free money ---------- */

.free { background: var(--sage); }

.free .wrap {
  display: grid;
  gap: 28px;
}

.free .intro p:not(.eyebrow) {
  margin: 18px 0 0;
  font-size: 20px;
}

.free .intro strong { color: var(--teal); }

/* ---------- Cards ---------- */

.cards {
  display: grid;
  gap: 20px;
}

.card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-card);
  background: var(--white);
  color: var(--ink);
  text-decoration: none;
  transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s;
}

.card:hover {
  border-color: var(--teal-2);
  color: var(--ink);
  transform: translateY(-3px);
  box-shadow: 0 16px 30px -22px rgba(14, 75, 85, 0.6);
}

.card-art {
  aspect-ratio: 16 / 10;
  margin: 8px 8px 0;
  overflow: hidden;
  border-radius: calc(var(--radius-card) - 6px);
}

.card-art img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s;
}

.card:hover .card-art img { transform: scale(1.04); }

.card-body {
  display: flex;
  flex: 1;
  flex-direction: column;
  gap: 10px;
  padding: 16px 18px 20px;
}

/* Same look whether the card title is an h2 or an h3 */
.card-title {
  color: var(--ink);
  font-family: var(--sans);
  font-size: 19px;
  font-weight: 700;
  line-height: 1.3;
  letter-spacing: 0;
}

.card:hover .card-title {
  text-decoration: underline;
  text-decoration-color: var(--orange);
  text-decoration-thickness: 2px;
  text-underline-offset: 4px;
}

.card .more {
  margin-top: auto;
  color: var(--orange-ink);
  font-size: 16px;
  font-weight: 700;
}

/* ---------- Ad slots: quiet and clearly labelled ---------- */

.ad-label {
  margin: 0 0 6px;
  font-family: var(--mono);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-align: center;
  text-transform: uppercase;
  color: var(--muted);
}

.ad-box {
  display: grid;
  place-items: center;
  min-height: 90px;
  margin-inline: auto;
  border: 1.5px dashed #b7cbbf;
  border-radius: 14px;
  background: repeating-linear-gradient(135deg, var(--white) 0 10px, #f2f6f3 10px 20px);
  color: var(--muted);
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.ad-band {
  padding-block: 24px;
}

.ad-band .ad-box,
.ad-band .ad-code {
  max-width: 728px;
  margin-inline: auto;
}

.ad-code a,
.ad-code img {
  display: block;
  margin-inline: auto;
}

.ad-code img {
  width: 100%;
  max-width: max-content;
}

.ad-after { border-top: 1px solid var(--line); }

.ad-in { margin-block: 34px; }
.ad-in .ad-box { min-height: 110px; }

/* ---------- Calculator band ---------- */

.calc {
  background: var(--teal);
  color: var(--white);
}

.calc .wrap {
  display: grid;
  gap: 24px;
  align-items: center;
  padding-block: 44px;
}

.calc .dial {
  display: grid;
  place-items: center;
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: conic-gradient(var(--orange) 0 62%, rgba(255, 255, 255, 0.16) 62% 100%);
}

.calc .dial::after {
  content: "$";
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--teal);
  font-family: var(--serif);
  font-size: 26px;
}

.calc h2 {
  max-width: 20ch;
  color: var(--white);
  font-size: clamp(28px, 3.2vw, 40px);
}

.calc .eyebrow { color: #ffc59a; }
.calc .btn { justify-self: start; }

/* ---------- Opt-in ---------- */

.optin-band { background: var(--sage); }

.opt-in-title {
  margin: 0;
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  line-height: 1.3;
  color: var(--teal);
  text-wrap: balance;
}

.opt-in-wide {
  display: grid;
  gap: 28px;
  align-items: center;
  padding: 24px;
  border: 1.5px solid var(--line);
  border-radius: 26px;
  background: var(--white);
}

.opt-in-wide .opt-in-title { font-size: clamp(24px, 2.6vw, 32px); }

.form {
  display: grid;
  gap: 16px;
  align-content: start;
  padding: 18px;
  border-radius: 18px;
  background: var(--sage);
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  min-width: 0;
}

.field label {
  color: var(--teal);
  font-size: 16px;
  font-weight: 700;
}

.field input {
  width: 100%;
  min-width: 0;
  min-height: 48px;
  padding: 10px 14px;
  border: 1.5px solid #a8c0b3;
  border-radius: 12px;
  background: var(--white);
  color: var(--ink);
  font: inherit;
}

.field input:focus-visible {
  outline: 3px solid var(--orange-ink);
  outline-offset: 1px;
  border-color: var(--teal);
}

.actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 18px;
}

.note {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
}

/* Sidebar version: narrow, stacked */
.opt-in-side {
  padding: 22px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-card);
  background: var(--white);
}

.opt-in-side .form,
.opt-in-inline .form { margin-top: 16px; }

.opt-in-side .btn { width: 100%; }

/* Inline version: inside articles, phones and tablets only */
.opt-in-inline {
  margin-top: 38px;
  padding: 22px;
  border-radius: var(--radius-card);
  background: var(--sage);
}

.opt-in-inline .form { background: var(--white); }

/* ---------- Footer ---------- */

.foot {
  background: var(--footer);
  color: #cfdfe0;
  font-size: 16px;
}

.foot .wrap {
  display: flex;
  flex-direction: column;
  gap: 22px;
  padding-block: 44px 36px;
}

.foot-top {
  display: grid;
  gap: 18px;
  align-items: start;
}

.foot-logo {
  display: inline-flex;
  align-items: center;
  justify-self: start;
  min-height: 44px;
}

.foot-main {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.foot-logo img {
  width: auto;
  height: 40px;
}

.foot .about-site {
  max-width: 62ch;
  margin: 0;
  color: #dce8e8;
  font-size: 17px;
}

.foot nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 32px;
}

.foot ul {
  display: flex;
  flex-wrap: wrap;
  gap: 0 20px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.foot ul a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}

.foot a {
  color: #eef5f5;
  font-weight: 600;
  text-decoration: none;
}

.foot a:hover {
  color: #ffc59a;
  text-decoration: underline;
}

.foot .sep { display: none; }

.foot .fine {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 8px 32px;
  padding-top: 20px;
  border-top: 1px solid #33555c;
}

.foot .fine p { margin: 0; }

.foot .copy {
  color: #afc6c8;
  font-family: var(--mono);
  font-size: 14px;
}

/* ---------- Article page ---------- */

.crumbs {
  padding-top: 20px;
  color: var(--muted);
  font-size: 15px;
}

.crumbs ol {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.crumbs li + li::before {
  content: "›";
  margin-right: 8px;
  color: #9db3aa;
}

.crumbs a {
  color: var(--muted);
  text-decoration: none;
}

.crumbs a:hover {
  color: var(--teal);
  text-decoration: underline;
}

.layout {
  display: grid;
  gap: 48px;
  align-items: start;
  padding-block: 20px 56px;
}

.post { min-width: 0; }

.post-head h1 {
  margin: 14px 0 12px;
  color: var(--ink);
  font-size: clamp(34px, 4.6vw, 54px);
  line-height: 1.08;
}

.read-time {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
}

.disclose {
  margin: 34px 0 0;
  color: var(--muted);
  font-size: 14px;
  font-style: italic;
  line-height: 1.5;
}

.disclose a { color: var(--muted); }

.post-art {
  aspect-ratio: 16 / 9;
  margin-top: 24px;
  overflow: hidden;
  border-radius: var(--radius-img);
}

.post-art img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.takeaways {
  margin-top: 28px;
  padding: 18px 20px;
  border-radius: var(--radius-card);
  background: var(--sage);
}

.takeaways h2,
.sources h2,
.side-title {
  margin: 0 0 10px;
  font-family: var(--mono);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--orange-ink);
}

.takeaways ul {
  display: grid;
  gap: 6px;
  margin: 0;
  padding-left: 1.1em;
}

.takeaways li::marker { color: var(--orange); }

.toc {
  margin-top: 22px;
  font-size: 16px;
}

.toc p {
  margin: 0 0 8px;
  color: var(--teal);
  font-weight: 700;
}

.toc ul {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.toc a {
  display: flex;
  align-items: center;
  min-height: 44px;
  padding: 4px 12px;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--ink);
  text-decoration: none;
}

.toc a:hover {
  border-color: var(--teal-2);
  color: var(--teal);
}

.prose { margin-top: 32px; }

.prose p,
.prose ul,
.prose ol { margin: 0 0 1.1em; }

.prose h2 {
  margin: 1.6em 0 0.5em;
  font-size: clamp(26px, 2.6vw, 32px);
  line-height: 1.2;
  scroll-margin-top: 20px;
}

.prose h3 {
  margin: 1.4em 0 0.4em;
  font-size: 21px;
}

.prose > :first-child { margin-top: 0; }

.offer {
  display: grid;
  gap: 12px 24px;
  align-items: center;
  margin-block: 34px;
  padding: 20px 22px;
  border: 1.5px solid var(--peach-line);
  border-radius: var(--radius-card);
  background: var(--peach);
}

.offer-label {
  grid-column: 1 / -1;
  margin: 0;
  color: var(--orange-ink);
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.offer h3 {
  margin: 0 0 4px;
  color: var(--teal);
  font-size: 21px;
}

.offer p {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
}

.offer .btn {
  justify-self: start;
  font-size: 17px;
}

.faq { margin-top: 44px; }

.faq h2 {
  margin-bottom: 14px;
  font-size: clamp(26px, 2.6vw, 32px);
}

.faq details {
  padding: 14px 0;
  border-top: 1.5px solid var(--line);
}

.faq details:last-child { border-bottom: 1.5px solid var(--line); }

.faq summary {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  /* Whole row is tappable: padding moves from the details box onto the question */
  margin: -14px 0;
  padding: 14px 0;
  font-weight: 700;
  list-style: none;
  cursor: pointer;
}

.faq summary::-webkit-details-marker { display: none; }

.faq summary::after {
  content: "+";
  color: var(--orange-ink);
  font-family: var(--mono);
  font-size: 20px;
  line-height: 1;
}

.faq details[open] summary::after { content: "–"; }

.faq details p { margin: 10px 0 0; }

.sources {
  margin-top: 34px;
  color: var(--muted);
  font-size: 16px;
}

.sources h2 { color: var(--muted); }

.sources ul {
  display: grid;
  gap: 4px;
  margin: 0;
  padding-left: 1.1em;
}

/* Sidebar: hidden on phones and tablets, where the inline sign-up box takes its place */
.side { display: none; }

.related { background: var(--sage); }

/* ---------- Simple message pages (404, sign-up) ---------- */

.message { max-width: 720px; }

.message h1 {
  margin-bottom: 16px;
  font-size: clamp(34px, 4.6vw, 48px);
}

/* ---------- Wider screens ---------- */

@media (min-width: 641px) {
  body { font-size: 19px; }

  .section { padding-block: clamp(56px, 8vw, 92px); }

  .site-head .wrap { min-height: 76px; }
  .logo img { height: 44px; }
  .nav { margin-left: 0; }

  .nav a {
    padding: 7px 14px;
    font-size: 17px;
  }

  .paths {
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 32px;
  }

  .path h3 { margin-bottom: 26px; }

  .cards-3,
  .cards-guides { grid-template-columns: repeat(2, 1fr); }

  .calc .wrap { grid-template-columns: auto 1fr; }
  .calc .btn { grid-column: 1 / -1; }

  .calc .dial {
    width: 96px;
    height: 96px;
  }

  .calc .dial::after {
    width: 70px;
    height: 70px;
    font-size: 34px;
  }

  .form {
    grid-template-columns: 1fr 1fr;
    padding: 22px;
  }

  .form .actions { grid-column: 1 / -1; }

  .foot-top {
    grid-template-columns: auto 1fr;
    gap: 48px;
  }

  .foot .sep {
    display: block;
    align-self: stretch;
    width: 1px;
    background: #33555c;
  }

  .takeaways { padding: 22px 26px; }

  .offer { grid-template-columns: 1fr auto; }
  .offer .btn { justify-self: end; }
}

@media (min-width: 961px) {
  .hero { padding-block: clamp(44px, 7vw, 96px) clamp(40px, 6vw, 72px); }

  .hero .wrap {
    grid-template-columns: 1.3fr 1fr;
    gap: clamp(32px, 6vw, 72px);
  }

  .hero-art {
    justify-self: end;
    max-width: 480px;
  }

  .free .wrap {
    grid-template-columns: 0.9fr 2fr;
    gap: clamp(28px, 5vw, 60px);
    align-items: start;
  }

  .cards-3,
  .cards-guides { grid-template-columns: repeat(3, 1fr); }
  .cards-guides { gap: 24px; }

  .calc .wrap {
    grid-template-columns: auto 1fr auto;
    gap: 24px 40px;
    padding-block: clamp(44px, 6vw, 72px);
  }

  .calc .btn { grid-column: auto; }

  .opt-in-wide {
    grid-template-columns: 1fr 1.1fr;
    gap: clamp(28px, 5vw, 60px);
    padding: clamp(24px, 4vw, 52px);
  }

  /* Article: reading column + 300px sidebar */
  .layout {
    grid-template-columns: minmax(0, 1fr) 300px;
    gap: clamp(32px, 5vw, 64px);
  }

  .post { max-width: 720px; }

  .opt-in-inline { display: none; }

  .side {
    display: flex;
    flex-direction: column;
    gap: 28px;
    align-self: stretch;
  }

  .side .form {
    grid-template-columns: 1fr;
    padding: 16px;
  }

  .ad-side .ad-box {
    max-width: 300px;
    min-height: 250px;
  }

  .ad-sticky {
    position: sticky;
    top: 20px;
  }

  .ad-sticky .ad-box {
    max-width: 300px;
    min-height: 600px;
  }

  .side-pop ul {
    margin: 0;
    padding: 0;
    list-style: none;
  }

  .side-pop li { border-top: 1px solid var(--line); }
  .side-pop li:last-child { border-bottom: 1px solid var(--line); }

  .side-pop a {
    display: block;
    padding: 10px 0;
    color: var(--ink);
    font-size: 17px;
    font-weight: 600;
    line-height: 1.35;
    text-decoration: none;
  }

  .side-pop a:hover {
    color: var(--teal);
    text-decoration: underline;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition: none !important;
    scroll-behavior: auto !important;
  }
}

/* ---------- Listing pages: Resources hub and categories ---------- */

.listing { min-width: 0; }

.listing-head h1 {
  margin-bottom: 12px;
  color: var(--ink);
  font-size: clamp(34px, 4.6vw, 54px);
  line-height: 1.08;
}

.listing-head .lede {
  max-width: 60ch;
  margin: 0 0 32px;
  color: var(--muted);
  font-size: clamp(18px, 1.6vw, 20px);
}

.other-topics,
.topic-jump {
  margin-top: 40px;
}

.topic-jump { margin-top: 0; }

.other-topics h2 {
  margin-bottom: 12px;
  font-size: 24px;
}

.other-topics ul,
.topic-jump ul {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.other-topics a,
.topic-jump a {
  display: flex;
  align-items: center;
  min-height: 44px;
  padding: 6px 16px;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--ink);
  font-weight: 600;
  text-decoration: none;
}

.other-topics a:hover,
.topic-jump a:hover {
  border-color: var(--teal-2);
  color: var(--teal);
}

.topic {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1.5px solid var(--line);
  scroll-margin-top: 20px;
}

.topic h2 {
  margin-bottom: 8px;
  font-size: clamp(26px, 2.6vw, 32px);
}

.topic h2 a { text-decoration: none; }
.topic h2 a:hover { text-decoration: underline; }

.topic > p {
  max-width: 60ch;
  margin: 0 0 14px;
  color: var(--muted);
}

.topic-list {
  margin: 0 0 14px;
  padding: 0;
  list-style: none;
}

.topic-list li { border-top: 1px solid var(--line); }
.topic-list li:last-child { border-bottom: 1px solid var(--line); }

.topic-list a {
  display: block;
  padding: 10px 0;
  color: var(--ink);
  font-weight: 600;
  text-decoration: none;
}

.topic-list a:hover {
  color: var(--teal);
  text-decoration: underline;
}

.topic-more {
  color: var(--orange-ink);
  font-weight: 700;
  text-decoration-color: var(--orange);
  text-decoration-thickness: 2px;
}

@media (min-width: 641px) {
  .cards-2 { grid-template-columns: repeat(2, 1fr); }
}

/* ---------- Text pages (About, legal) and Contact ---------- */

.text-page { padding-block: 20px 64px; }

/* Keep reading lines comfortable while lining up with the breadcrumbs */
.text-page > * { max-width: 760px; }
.text-page > .contact-grid { max-width: 1000px; }

.nowrap { white-space: nowrap; }

.text-page h1 {
  margin-bottom: 20px;
  color: var(--ink);
  font-size: clamp(34px, 4.6vw, 54px);
  line-height: 1.08;
}

.text-page .lede {
  max-width: 60ch;
  margin: 0 0 28px;
  color: var(--muted);
  font-size: clamp(18px, 1.6vw, 20px);
}

.contact-grid {
  display: grid;
  gap: 28px;
  align-items: start;
}

.contact-info {
  padding: 22px;
  border-radius: var(--radius-card);
  background: var(--sage);
  font-size: 16px;
}

.contact-info h2 {
  margin: 0 0 6px;
  font-size: 20px;
}

.contact-info h2 + p { margin-top: 0; }
.contact-info p:last-child { margin-bottom: 0; }

.contact-info a {
  font-size: 18px;
  font-weight: 700;
}

.contact-form {
  display: grid;
  gap: 18px;
  padding: 22px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-card);
  background: var(--white);
}

.contact-form .btn { justify-self: start; }

.field textarea {
  width: 100%;
  min-width: 0;
  padding: 10px 14px;
  border: 1.5px solid #a8c0b3;
  border-radius: 12px;
  background: var(--white);
  color: var(--ink);
  font: inherit;
  resize: vertical;
}

.field textarea:focus-visible {
  outline: 3px solid var(--orange-ink);
  outline-offset: 1px;
  border-color: var(--teal);
}

.field [aria-invalid="true"] { border-color: #b3261e; }

.field-error {
  margin: 0;
  color: #b3261e;
  font-size: 15px;
  font-weight: 600;
}

.notice {
  margin: 0 0 24px;
  padding: 16px 20px;
  border-radius: 14px;
  font-size: 17px;
}

.notice h2 {
  margin: 0 0 6px;
  font-size: 24px;
}

.notice p { margin: 0; }

.notice-success {
  border: 1.5px solid #9fc9ad;
  background: #e8f4ec;
}

.notice-error {
  margin: 0;
  border: 1.5px solid #e2a9a4;
  background: #fbeceb;
  color: #8c1d18;
}

/* Hidden spam trap: people never see it, bots fill it in */
.hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

@media (min-width: 641px) {
  .contact-form { padding: 28px; }
}

@media (min-width: 961px) {
  .contact-grid { grid-template-columns: 1fr 1.6fr; }
  .contact-grid.is-sent { grid-template-columns: minmax(0, 520px); }
}

/* ---------- HTML sitemap ---------- */

.sitemap section { margin-top: 36px; }

.sitemap h2 {
  margin-bottom: 10px;
  font-size: clamp(26px, 2.6vw, 32px);
}

.sitemap h3 {
  margin: 20px 0 6px;
  font-size: 19px;
}

.sitemap h3 a { text-decoration: none; }
.sitemap h3 a:hover { text-decoration: underline; }

.sitemap ul {
  display: grid;
  gap: 6px;
  margin: 0;
  padding-left: 1.2em;
}

.sitemap li::marker { color: var(--orange); }

/* ---------- Calculator ---------- */

.calc-page { padding-block: 20px 64px; }

.calc-tool {
  display: grid;
  overflow: hidden;
  border: 1.5px solid var(--line);
  border-radius: 26px;
  background: var(--white);
  box-shadow: 0 24px 48px -36px rgba(14, 75, 85, 0.5);
}

.calc-form {
  display: grid;
  gap: 20px;
  align-content: start;
  padding: 24px;
}

.calc-form .field input { font-size: 20px; }

.input-affix {
  display: flex;
  align-items: center;
  border: 1.5px solid #a8c0b3;
  border-radius: 12px;
  background: var(--white);
}

.input-affix:focus-within {
  outline: 3px solid var(--orange-ink);
  outline-offset: 1px;
  border-color: var(--teal);
}

.input-affix > span {
  padding-inline: 14px 0;
  color: var(--muted);
  font-size: 20px;
  font-weight: 600;
}

.input-affix-end > span { padding-inline: 0 14px; }

.calc-form .input-affix input {
  border: 0;
  outline: none;
  background: transparent;
  font-variant-numeric: tabular-nums;
}

.calc-form .input-affix input:focus-visible { outline: none; }

.input-affix:has([aria-invalid="true"]) { border-color: #b3261e; }

.optional {
  color: var(--muted);
  font-weight: 400;
}

.term-field {
  margin: 0;
  padding: 0;
  border: 0;
}

.term-field legend {
  margin-bottom: 6px;
  padding: 0;
  color: var(--teal);
  font-size: 16px;
  font-weight: 700;
}

.term-options {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 8px;
}

.term-option { position: relative; }

.term-option input {
  position: absolute;
  opacity: 0;
  inset: 0;
  margin: 0;
  cursor: pointer;
}

.term-option span {
  display: grid;
  place-items: center;
  min-height: 48px;
  border: 1.5px solid #a8c0b3;
  border-radius: 12px;
  background: var(--white);
  color: var(--ink);
  font-size: 18px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  transition: background-color 0.15s, border-color 0.15s;
}

.term-option input:hover + span { border-color: var(--teal-2); }

.term-option input:checked + span {
  border-color: var(--teal);
  background: var(--teal);
  color: var(--white);
}

.term-option input:focus-visible + span {
  outline: 3px solid var(--orange-ink);
  outline-offset: 2px;
}

/* Live results update as you type, so the button only matters without JavaScript */
.calc-submit { justify-self: start; }

.calc-results {
  display: grid;
  gap: 16px;
  align-content: start;
  padding: 28px 24px;
  background: var(--teal);
  color: var(--white);
}

.calc-label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0;
  color: #ffc59a;
  font-family: var(--mono);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.example-tag {
  padding: 2px 8px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.14);
  color: #dce8e8;
  font-size: 13px;
  letter-spacing: 0.06em;
}

.calc-payment {
  margin: 0;
  font-family: var(--serif);
  font-size: clamp(48px, 7vw, 72px);
  font-weight: 500;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}

.calc-split progress {
  display: block;
  width: 100%;
  height: 14px;
  overflow: hidden;
  border: 0;
  border-radius: 999px;
  background: var(--orange);
  -webkit-appearance: none;
  appearance: none;
}

.calc-split progress::-webkit-progress-bar { background: var(--orange); }
.calc-split progress::-webkit-progress-value { background: #cfe6e3; }
.calc-split progress::-moz-progress-bar { background: #cfe6e3; }

.calc-legend {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 8px 0 0;
  color: #dce8e8;
  font-size: 14px;
}

.key {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.key-principal { background: #cfe6e3; }
.key-interest { margin-left: 10px; background: var(--orange); }

.calc-totals {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 0;
}

.calc-totals div {
  padding: 14px 16px;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.08);
}

.calc-totals dt {
  color: #dce8e8;
  font-size: 14px;
}

.calc-totals dd {
  margin: 2px 0 0;
  font-size: 24px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}

.calc-extra-result {
  margin: 0;
  padding: 14px 16px;
  border-radius: 14px;
  background: var(--peach);
  color: var(--ink);
  font-size: 17px;
}

.calc-extra-result strong { color: var(--orange-ink); }

.calc-note {
  margin: 0;
  color: #b9d0d1;
  font-size: 14px;
}

.calc-page .ad-band { padding-block: 32px; }

.calc-content {
  padding-block: 8px 0;
}

.calc-content h2 {
  margin: 36px 0 12px;
  font-size: clamp(26px, 2.6vw, 32px);
}

.calc-content ul {
  display: grid;
  gap: 6px;
  padding-left: 1.2em;
}

@media (min-width: 641px) {
  .calc-form,
  .calc-results { padding: 32px; }
}

@media (min-width: 961px) {
  .calc-tool { grid-template-columns: 1.1fr 1fr; }
  .calc-results { padding: 40px; }
}

/* ---------- Sign-up thank-you message ---------- */

.opt-in-thanks {
  margin-top: 16px;
  padding: 18px 20px;
  border: 1.5px solid #9fc9ad;
  border-radius: 18px;
  background: #e8f4ec;
}

.opt-in-thanks:focus { outline: none; }

.opt-in-thanks p {
  margin: 0;
  font-size: 17px;
}

.opt-in-thanks .opt-in-thanks-title {
  margin-bottom: 4px;
  color: var(--teal);
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
}

/* ---------- Job openings ---------- */

.jobs-page { padding-block: 20px 64px; }

.jobs-search {
  display: grid;
  gap: 16px;
  align-items: end;
  padding: 20px;
  border: 1.5px solid var(--line);
  border-radius: 22px;
  background: var(--sage);
}

.field select {
  width: 100%;
  min-height: 48px;
  padding: 10px 14px;
  border: 1.5px solid #a8c0b3;
  border-radius: 12px;
  background: var(--white);
  color: var(--ink);
  font: inherit;
}

.field select:focus-visible {
  outline: 3px solid var(--orange-ink);
  outline-offset: 1px;
  border-color: var(--teal);
}

.jobs-notice {
  margin-top: 28px;
  border: 1.5px solid var(--line);
  background: var(--white);
}

.jobs-count {
  margin: 28px 0 12px;
  color: var(--muted);
  font-size: 17px;
}

.jobs-count strong { color: var(--ink); }

.jobs-list {
  display: grid;
  gap: 14px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.job {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 16px;
  align-items: start;
  padding: 18px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-card);
  background: var(--white);
}

.job-logo {
  width: 56px;
  height: 56px;
  border-radius: 12px;
  object-fit: contain;
  background: var(--white);
}

.job-logo-blank {
  display: grid;
  place-items: center;
  background: var(--chip);
  color: var(--teal);
  font-family: var(--serif);
  font-size: 26px;
}

.job-body { min-width: 0; }

.job-title {
  font-family: var(--sans);
  font-size: 20px;
  font-weight: 700;
  line-height: 1.3;
  letter-spacing: 0;
}

.job-title a {
  color: var(--teal);
  text-decoration: none;
}

.job-title a:hover {
  color: var(--orange-ink);
  text-decoration: underline;
}

.job-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 2px 16px;
  margin: 4px 0 0;
  color: var(--muted);
  font-size: 16px;
}

.job-company {
  color: var(--ink);
  font-weight: 600;
}

.job-summary {
  margin: 8px 0 0;
  font-size: 16px;
  overflow-wrap: anywhere;
}

.job-apply {
  grid-column: 2;
  justify-self: start;
  min-height: 44px;
  padding: 10px 24px;
  font-size: 16px;
}

.pager {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 12px 24px;
  margin-top: 28px;
}

.pager-link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 8px 18px;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  font-weight: 700;
  text-decoration: none;
}

.pager-link:hover { border-color: var(--teal); }

.pager-now { color: var(--muted); }

.jobs-note {
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 15px;
  font-style: italic;
}

@media (min-width: 641px) {
  .jobs-search {
    grid-template-columns: 1fr 1fr;
    padding: 24px;
  }

  .job {
    grid-template-columns: 56px minmax(0, 1fr) auto;
    padding: 22px;
  }

  .job-apply {
    grid-column: 3;
    align-self: center;
  }
}

@media (min-width: 961px) {
  .jobs-search { grid-template-columns: 1.3fr 1.1fr 0.7fr auto; }
}