/* Daniel In Germany Finance — design system
   Layout concept: an editorial reference book. Ivory pages, thin stone rules, serif headlines,
   one navy band per page for doing (tools), and every claim sitting next to its source. */

/* ---------- Fonts (self-hosted, no third-party requests) ---------- */
@font-face { font-family: "Manrope"; src: url("../fonts/manrope-latin-wght-normal.woff2") format("woff2"); font-weight: 200 800; font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Manrope"; src: url("../fonts/manrope-latin-ext-wght-normal.woff2") format("woff2"); font-weight: 200 800; font-display: swap;
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+1E00-1E9F, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+A720-A7FF; }
@font-face { font-family: "Newsreader"; src: url("../fonts/newsreader-latin-opsz-normal.woff2") format("woff2"); font-weight: 200 800; font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2212, U+FEFF, U+FFFD; }
@font-face { font-family: "Newsreader"; src: url("../fonts/newsreader-latin-ext-opsz-normal.woff2") format("woff2"); font-weight: 200 800; font-display: swap;
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+1E00-1E9F, U+20A0-20AB, U+20AD-20C0, U+A720-A7FF; }
@font-face { font-family: "Newsreader"; src: url("../fonts/newsreader-latin-opsz-italic.woff2") format("woff2"); font-weight: 200 800; font-style: italic; font-display: swap; }


/* ---------- Tokens ---------- */
:root {
  color-scheme: light;
  /* ---- Core palette (v7): one base, one ink, one action colour, two supporting accents ---- */
  --paper: #FBFAF7;         /* base: warm off-white */
  --surface: #FFFFFF;       /* cards */
  --surface-2: #F4F3EE;     /* quiet neutral fill: inputs panel, footer, nested notes */
  --ink: #24323A;           /* text and dark anchor · 12.6:1 on paper */
  --ink-soft: #4F5E64;      /* secondary text · 6.4:1 on paper */
  --line: #BFCAC4;          /* card borders, visible on white and paper */
  --line-soft: #E3E5DF;     /* section dividers */
  --teal: #176F73;          /* the one action colour · 5.9:1 with white */
  --teal-deep: #0F5559;
  --teal-wash: #E6F2EF;     /* selected / current states */
  --mint: #D6F1E5;          /* accent 1: educational highlight (short answer, live tags) */
  --sun: #F7D879;           /* accent 2: attention (examples, mix-ups, webinar) */
  --sun-wash: #FCF3D2;
  --focus: #1F5F97;
  /* data-viz only (bars, charts, tiles) */
  --mint-deep: #5FAE8F;
  --coral: #D9775C;
  /* Legacy names used by older components, mapped onto the palette above */
  --navy: var(--ink);
  --navy-deep: #18242A;
  --navy-soft: var(--ink-soft);
  --charcoal: var(--ink);
  --bg: var(--paper);
  --white: #FFFFFF;
  --ivory: var(--surface-2);
  --stone: #D5D9D3;
  --rule: var(--line-soft);
  --rule-dark: rgba(255, 255, 255, .16);
  --sage: var(--mint-deep);
  --sage-ink: var(--teal);
  --sage-tint: var(--mint);
  --gold: var(--sun);
  --gold-ink: #8A5F0E;      /* 5.1:1 on sun-wash */
  --gold-tint: var(--sun-wash);
  --sun-tint: var(--sun-wash);
  --on-navy: #FBFAF7;
  --on-navy-muted: rgba(251, 250, 247, .78);

  /* ---- Type: Manrope throughout, Newsreader italic for rare accents ---- */
  --sans: "Manrope", "Segoe UI", system-ui, -apple-system, sans-serif;
  --serif: var(--sans);                               /* legacy name: headings and big numbers */
  --accent-serif: "Newsreader", Georgia, serif;
  --fs-body: 1rem;
  --fs-small: .9rem;
  --fs-xs: .8rem;
  --fs-lead: 1.15rem;
  --fs-h3: 1.2rem;
  --fs-h2: clamp(1.6rem, 1.2rem + 1.5vw, 2.25rem);
  --fs-h1: clamp(2.1rem, 1.45rem + 2.6vw, 3.4rem);

  /* ---- Space and shape ---- */
  --s1: 4px; --s2: 8px; --s3: 12px; --s4: 16px; --s5: 24px; --s6: 32px; --s7: 48px; --s8: 64px; --s9: 96px;
  --radius-xs: 8px;         /* small swatches, focus ring */
  --radius-s: 12px;         /* buttons, inputs, controls */
  --radius-m: 18px;         /* cards and panels */
  --radius-l: 24px;         /* a few large surfaces: hero photo, calculators, lesson modules */
  --radius-pill: 999px;     /* tags and progress bars only */
  --container: 1200px;
  --gutter: 20px;
  --section: 52px;
  --ease: cubic-bezier(.23, 1, .32, 1);
  --t-fast: 160ms; --t-med: 240ms;
  --shadow-pop: 0 8px 24px rgba(36, 50, 58, .08);
}
@media (min-width: 768px) { :root { --gutter: 32px; --section: 72px; } }
@media (min-width: 1024px) { html { font-size: 17px; } :root { --section: 88px; } }

/* ---------- Base ---------- */
[hidden] { display: none !important; }
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 84px; }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--bg); color: var(--charcoal); font: 400 var(--fs-body)/1.65 var(--sans); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
img, svg { display: block; max-width: 100%; }
a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
p, ul, ol, figure, dl, dd { margin: 0; }
h1, h2, h3, h4 { margin: 0; color: var(--navy); text-wrap: balance; }
h1, h2, .serif { font-family: var(--serif); font-weight: 700; letter-spacing: -.02em; }
h1 { font-size: var(--fs-h1); line-height: 1.06; }
h2 { font-size: var(--fs-h2); line-height: 1.12; }
h3 { font: 650 var(--fs-h3)/1.3 var(--sans); letter-spacing: -.01em; }
h4 { font: 700 var(--fs-small)/1.4 var(--sans); }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 3px; border-radius: var(--radius-xs); }
.skip { position: absolute; left: -9999px; top: 8px; z-index: 200; background: var(--navy); color: var(--on-navy); padding: 10px 16px; }
.skip:focus { left: 8px; }
.num { font-variant-numeric: tabular-nums; }
.vh { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.deco { pointer-events: none; user-select: none; }

/* ---------- Layout ---------- */
.wrap { width: 100%; max-width: calc(var(--container) + 2 * var(--gutter)); margin-inline: auto; padding-inline: var(--gutter); }
.narrow { max-width: calc(760px + 2 * var(--gutter)); }
.section { padding-block: var(--section); }
.band-ivory { background: var(--ivory); }
.band-white { background: var(--white); }
.band-navy { background: var(--navy); color: var(--on-navy); }
.band-navy h1, .band-navy h2, .band-navy h3 { color: var(--on-navy); }
.band-navy a:not(.btn) { color: var(--on-navy); }
.rule-top { border-top: 1px solid var(--rule); }
.flow > * + * { margin-top: var(--s4); }
.flow-lg > * + * { margin-top: var(--s5); }
.cluster { display: flex; flex-wrap: wrap; gap: var(--s3); align-items: center; }
.split { display: grid; gap: var(--s7); }
@media (min-width: 960px) { .split { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: var(--s8); } .split.even { grid-template-columns: 1fr 1fr; } .split.rev { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); } }
.section-head { display: grid; gap: var(--s3); max-width: 720px; margin-bottom: var(--s7); }

/* ---------- Text styles ---------- */
.eyebrow { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.band-navy .eyebrow { color: var(--sage); }
.lead { font-size: var(--fs-lead); line-height: 1.6; color: var(--navy-soft); max-width: 60ch; }
.band-navy .lead { color: var(--on-navy-muted); }
.muted { color: var(--navy-soft); }
.band-navy .muted { color: var(--on-navy-muted); }
.small { font-size: var(--fs-small); line-height: 1.55; }
.xs { font-size: var(--fs-xs); line-height: 1.5; }
.de { font-style: italic; font-family: var(--accent-serif); font-size: 1.06em; }
.prose { max-width: 68ch; }
.prose > * + * { margin-top: 1em; }
.prose h2 { margin-top: 1.8em; font-size: clamp(1.5rem, 1.2rem + 1vw, 1.9rem); }
.prose h3 { margin-top: 1.5em; }
.prose ul, .prose ol { padding-left: 1.2em; }
.prose li + li { margin-top: .4em; }

/* ---------- Buttons & links ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 0 22px; border: 1.5px solid var(--navy); border-radius: var(--radius-s);
  font: 650 .95rem/1 var(--sans); text-decoration: none; cursor: pointer; white-space: nowrap; transition: background-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease); }
.btn-primary { background: var(--navy); color: var(--on-navy); }
.btn-primary:hover { background: var(--navy-deep); border-color: var(--navy-deep); }
.btn-ghost { background: transparent; color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--on-navy); }
.band-navy .btn-primary { background: var(--on-navy); color: var(--navy); border-color: var(--on-navy); }
.band-navy .btn-primary:hover { background: var(--white); }
.band-navy .btn-ghost { color: var(--on-navy); border-color: rgba(233, 230, 220, .5); }
.band-navy .btn-ghost:hover { background: var(--on-navy); color: var(--navy); }
.btn-sm { min-height: 40px; padding: 0 14px; font-size: .88rem; }
.btn[aria-disabled="true"] { opacity: .55; cursor: not-allowed; }
.arrow { font-weight: 650; color: var(--navy); text-decoration: none; display: inline-flex; align-items: center; gap: 8px; }
.arrow::after { content: "→"; transition: transform var(--t-fast) var(--ease); }
.arrow:hover::after { transform: translateX(3px); }
.band-navy .arrow { color: var(--on-navy); }

/* ---------- Labels (status + content type) ---------- */
.tag { justify-self: start; align-self: start; display: inline-flex; align-items: center; gap: 6px; padding: 3px 8px; border-radius: var(--radius-s); font: 700 .7rem/1.3 var(--sans); letter-spacing: 0; white-space: nowrap; border: 1px solid transparent; }
.tag-live { background: var(--sage-tint); color: var(--sage-ink); }
.tag-dev { background: transparent; color: var(--navy-soft); border-color: var(--rule); }
.tag-soon { background: var(--gold-tint); color: var(--gold-ink); }
.tag-official { background: var(--navy); color: var(--on-navy); }
.tag-example { background: var(--gold-tint); color: var(--gold-ink); }
.tag-partner { background: transparent; color: var(--navy); border-color: var(--navy); }
.tag-todo { background: #F6E3DC; color: #8A3B26; }
.band-navy .tag-live { background: rgba(141, 182, 161, .18); color: var(--sage); }
.band-navy .tag-dev { color: var(--on-navy-muted); border-color: var(--rule-dark); }
.band-navy .tag-soon { background: rgba(207, 183, 122, .16); color: var(--gold); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 60; background: rgba(243, 241, 235, .96); backdrop-filter: blur(6px); border-bottom: 1px solid var(--rule); }
.header-row { display: flex; align-items: center; gap: var(--s5); height: 64px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); flex: none; }
.logo img { height: 34px; width: auto; }
.logo-text { display: grid; line-height: 1; }
.logo-text b { font: 600 1.08rem/1.05 var(--serif); letter-spacing: -.005em; }
.logo-text span { font: 700 .62rem/1.2 var(--sans); letter-spacing: 0; color: var(--sage-ink); margin-top: 3px; }
.logo-mark { display: none; }
.nav { display: none; margin-left: auto; }
.nav > ul { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav a, .nav button.nav-trigger { display: inline-flex; align-items: center; gap: 6px; height: 40px; padding: 0 12px; border: 0; background: none; font: 550 .95rem/1 var(--sans); color: var(--charcoal); text-decoration: none; cursor: pointer; border-radius: var(--radius-s); }
.nav a:hover, .nav button.nav-trigger:hover, .nav [aria-current="page"], .nav button[aria-expanded="true"] { color: var(--navy); background: var(--ivory); }
.nav-trigger svg { width: 12px; height: 12px; transition: transform var(--t-fast) var(--ease); }
.nav-trigger[aria-expanded="true"] svg { transform: rotate(180deg); }
.has-menu { position: relative; }
.menu { position: absolute; top: calc(100% + 10px); left: -12px; width: 360px; background: var(--white); border: 1px solid var(--rule); border-radius: var(--radius-m); box-shadow: var(--shadow-pop); padding: 8px; }
.menu a { display: grid !important; gap: 2px; height: auto !important; padding: 10px 12px !important; }
.menu a b { font-weight: 650; color: var(--navy); }
.menu a span { font-size: var(--fs-xs); color: var(--navy-soft); font-weight: 450; line-height: 1.4; }
.header-cta { display: none; }
.menu-btn { margin-left: auto; display: inline-flex; align-items: center; justify-content: center; gap: 8px; height: 44px; padding: 0 14px; border: 1px solid var(--rule); background: var(--white); border-radius: var(--radius-s); font: 650 .9rem var(--sans); color: var(--navy); cursor: pointer; }
.menu-btn svg { width: 18px; height: 18px; }
.mobile-nav { border-top: 1px solid var(--rule); background: var(--bg); max-height: calc(100vh - 64px); overflow-y: auto; }
.mobile-nav ul { list-style: none; margin: 0; padding: 0; }
.mobile-nav .m-group { padding-block: 12px 4px; }
.mobile-nav .m-label { font: 700 var(--fs-xs) var(--sans); letter-spacing: 0; color: var(--sage-ink); padding: 8px 0; }
.mobile-nav a { display: flex; align-items: center; justify-content: space-between; min-height: 52px; border-bottom: 1px solid var(--rule); text-decoration: none; font: 600 1.05rem var(--sans); color: var(--navy); }
.mobile-nav .btn { width: 100%; margin-block: 20px 28px; }
@media (max-width: 1023px) { .logo-text b { font-size: 1rem; } }
@media (min-width: 1024px) {
  .nav, .header-cta { display: flex; }
  .menu-btn, .mobile-nav { display: none !important; }
  .header-row { height: 72px; }
}

/* ---------- Hero ---------- */
.hero { padding-block: 40px 56px; position: relative; overflow: hidden; }
@media (min-width: 1024px) { .hero { padding-block: 72px 96px; } }
.hero-grid { display: grid; gap: var(--s7); align-items: center; }
@media (min-width: 900px) { .hero-grid { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: var(--s8); } }
.hero h1 { max-width: 15ch; }
.hero h1 em { font-style: italic; color: var(--sage-ink); }
.hero .lead { max-width: 52ch; }
.trustline { display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: var(--fs-small); color: var(--navy-soft); font-weight: 550; }
.trustline span { display: inline-flex; align-items: center; gap: 8px; }
.trustline span::before { content: ""; width: 6px; height: 6px; background: var(--sage); transform: rotate(45deg); }
.portrait { position: relative; margin: 0; }
.portrait .frame { aspect-ratio: 4 / 5; max-width: 100%; overflow: hidden; background: var(--ivory); border-radius: var(--radius-m); }
.portrait .frame img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 20%; }
.portrait figcaption { margin-top: 10px; font-size: var(--fs-xs); color: var(--navy-soft); display: flex; justify-content: space-between; gap: 12px; }
.hero .portrait { max-width: 440px; margin-left: auto; width: 100%; }
.hero-curves { position: absolute; right: -4%; bottom: -2%; width: 58%; opacity: .45; z-index: 0; }
@media (max-width: 899px) { .hero-curves { display: none; } }
.hero > .wrap { position: relative; z-index: 1; }

/* Quick answer note pinned on the hero portrait */
.quick-note { position: absolute; left: -24px; bottom: 56px; width: min(300px, 78%); background: var(--white); border: 1px solid var(--rule); border-left: 3px solid var(--sage); border-radius: var(--radius-s); padding: 14px 16px; box-shadow: var(--shadow-pop); display: grid; gap: 6px; }
.quick-note .q { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.quick-note p { font-size: .92rem; line-height: 1.45; color: var(--charcoal); }
.quick-note .src { font-size: .72rem; color: var(--navy-soft); }
@media (max-width: 899px) { .hero .portrait { margin: 0 auto; max-width: 360px; } .quick-note { left: -12px; bottom: 40px; } }

/* ---------- Topic explorer ---------- */
.topics { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--rule); }
.topic { border-bottom: 1px solid var(--rule); }
.topic a { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 8px 24px; align-items: center; padding: 22px 0; text-decoration: none; color: inherit; }
@media (min-width: 768px) { .topic a { grid-template-columns: 112px minmax(0, 1.1fr) minmax(0, 1.3fr) auto; padding: 28px 8px; } }
.topic a:hover { background: var(--white); }
.topic .t-fig { display: none; }
@media (min-width: 768px) { .topic .t-fig { display: block; width: 96px; height: 56px; } }
.topic .t-title { display: grid; gap: 4px; }
.topic .t-title b { font: 500 1.6rem/1.15 var(--serif); color: var(--navy); }
.topic .t-title span { font: 500 var(--fs-xs) var(--sans); color: var(--sage-ink); letter-spacing: .02em; }
.topic .t-desc { color: var(--navy-soft); font-size: .95rem; grid-column: 1 / -1; }
@media (min-width: 768px) { .topic .t-desc { grid-column: auto; } }
.topic .t-go { grid-row: 1; grid-column: 2; width: 44px; height: 44px; display: grid; place-items: center; border: 1px solid var(--rule); border-radius: 50%; color: var(--navy); transition: background-color var(--t-fast), color var(--t-fast), border-color var(--t-fast); }
@media (min-width: 768px) { .topic .t-go { grid-row: auto; grid-column: auto; } }
.topic a:hover .t-go { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }

/* ---------- Depth explorer (progressive disclosure) ---------- */
.depth { display: grid; gap: var(--s6); }
@media (min-width: 960px) { .depth { grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: var(--s8); align-items: start; } }
.depth-aside { display: grid; gap: var(--s5); }
@media (min-width: 960px) { .depth-aside { position: sticky; top: 100px; } }
.layers-fig { width: 220px; }
.layers-fig path { transition: opacity var(--t-med) var(--ease), transform var(--t-med) var(--ease); }
.layers-fig path.off { opacity: .14; }
.levels { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; border-top: 1px solid var(--rule); }
.level { border-bottom: 1px solid var(--rule); padding: 24px 0; display: grid; gap: 12px; }
.level[hidden] { display: none; }
.level-head { display: flex; align-items: baseline; gap: 14px; flex-wrap: wrap; }
.level-n { font: 700 var(--fs-xs) var(--sans); letter-spacing: 0; color: var(--gold-ink); }
.level h3 { font: 500 1.5rem/1.2 var(--serif); }
.level p { max-width: 62ch; }
.level-actions { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; padding-top: 20px; }
.calc-steps { display: grid; border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); overflow: hidden; max-width: 560px; }
.calc-steps div { display: flex; justify-content: space-between; gap: 16px; padding: 10px 16px; border-bottom: 1px solid var(--rule); font-size: .95rem; }
.calc-steps div:last-child { border-bottom: 0; background: var(--sage-tint); font-weight: 700; }
.calc-steps b { font-variant-numeric: tabular-nums; white-space: nowrap; color: var(--navy); }
.calc-steps .minus b { color: var(--navy-soft); }
.law-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.law-list li { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 12px; font-size: .92rem; }
.law-list code { font: 650 .85rem var(--sans); color: var(--navy); background: var(--ivory); padding: 2px 6px; border-radius: var(--radius-s); justify-self: start; }

/* ---------- Tools band ---------- */
.tools-band { position: relative; overflow: hidden; }
.tools-band .arcs { position: absolute; right: -8%; top: 0; width: 60%; opacity: .35; }
.tools-band > .wrap { position: relative; }
.tool-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--rule-dark); }
.tool-list li { border-bottom: 1px solid var(--rule-dark); }
.tool-list a, .tool-list .tl-row { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; padding: 18px 4px; text-decoration: none; color: var(--on-navy); align-items: center; }
.tool-list a:hover { background: rgba(233, 230, 220, .05); }
.tool-list b { font: 650 1.05rem/1.3 var(--sans); }
.tool-list span.q { grid-column: 1; color: var(--on-navy-muted); font-size: .92rem; }
.tool-list .tag { grid-row: 1; grid-column: 2; }
.light .tool-list { border-color: var(--rule); }

/* Instrument (mini calculator on navy) */
.instrument { border: 1px solid var(--rule-dark); border-radius: var(--radius-m); padding: 20px; display: grid; gap: 16px; background: var(--navy-deep); min-width: 0; }
@media (min-width: 640px) { .instrument { padding: 28px; } }
.big { font: 600 clamp(2.2rem, 1.6rem + 2.4vw, 3.2rem)/1 var(--sans); letter-spacing: -.02em; font-variant-numeric: tabular-nums; color: var(--navy); }
.band-navy .big, .instrument .big { color: var(--gold); }
.big-label { font-size: var(--fs-small); color: var(--navy-soft); font-weight: 550; margin-bottom: 6px; }
.instrument .big-label { color: var(--on-navy-muted); }
.legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: var(--fs-small); }
.legend span { display: inline-flex; align-items: center; gap: 8px; }
.legend i { width: 10px; height: 10px; border-radius: var(--radius-pill); display: inline-block; }
.legend i.dash { width: 18px; height: 0; border-top: 2.5px dashed currentColor; border-radius: 0; }
.legend b { font-variant-numeric: tabular-nums; }

/* ---------- Form controls ---------- */
.field { display: grid; gap: 8px; min-width: 0; }
.field-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.field label, .field .label { font-weight: 600; font-size: .92rem; color: var(--navy); }
.instrument .field label, .band-navy .field label { color: var(--on-navy); }
.field .hint { font-size: var(--fs-xs); color: var(--navy-soft); }
.instrument .field .hint { color: var(--on-navy-muted); }
.numbox { display: inline-flex; align-items: center; gap: 4px; height: 44px; width: 136px; flex: none; padding: 0 12px; border: 1px solid var(--stone); border-radius: var(--radius-s); background: var(--white); }
.numbox:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(47, 111, 143, .2); }
.numbox span { font-weight: 650; font-size: .9rem; color: var(--navy-soft); }
.numbox input { width: 100%; min-width: 0; border: 0; outline: 0; background: transparent; text-align: right; font: 650 1rem var(--sans); color: var(--navy); font-variant-numeric: tabular-nums; -moz-appearance: textfield; }
.numbox input::-webkit-outer-spin-button, .numbox input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.instrument .numbox { background: rgba(233, 230, 220, .06); border-color: var(--rule-dark); }
.instrument .numbox span, .instrument .numbox input { color: var(--on-navy); }
.field-msg { font-size: var(--fs-xs); color: var(--gold-ink); }
.instrument .field-msg { color: var(--gold); }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; cursor: pointer; --pct: 50%; }
input[type="range"]::-webkit-slider-runnable-track { height: 4px; border-radius: var(--radius-pill); background: linear-gradient(to right, var(--sage-ink) var(--pct), var(--stone) var(--pct)); }
input[type="range"]::-moz-range-track { height: 4px; border-radius: var(--radius-pill); background: var(--stone); }
input[type="range"]::-moz-range-progress { height: 4px; background: var(--sage-ink); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; margin-top: -9px; border-radius: 50%; background: var(--navy); border: 4px solid var(--white); box-shadow: 0 0 0 1px var(--navy); }
input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: var(--navy); border: 4px solid var(--white); box-shadow: 0 0 0 1px var(--navy); }
.instrument input[type="range"]::-webkit-slider-runnable-track { background: linear-gradient(to right, var(--sage) var(--pct), rgba(233, 230, 220, .18) var(--pct)); }
.instrument input[type="range"]::-moz-range-track { background: rgba(233, 230, 220, .18); }
.instrument input[type="range"]::-moz-range-progress { background: var(--sage); }
.instrument input[type="range"]::-webkit-slider-thumb { background: var(--on-navy); border-color: var(--navy-deep); box-shadow: 0 0 0 1px var(--on-navy); }
.instrument input[type="range"]::-moz-range-thumb { background: var(--on-navy); border-color: var(--navy-deep); }
.select, .input { width: 100%; min-height: 46px; border: 1px solid var(--stone); border-radius: var(--radius-s); background: var(--white); padding: 0 12px; font: 550 1rem var(--sans); color: var(--navy); }
.choice { display: flex; flex-wrap: wrap; gap: 6px; }
.choice button { min-height: 40px; padding: 0 14px; border: 1px solid var(--stone); background: var(--white); border-radius: var(--radius-s); font: 600 .88rem var(--sans); color: var(--navy-soft); cursor: pointer; }
.choice button[aria-pressed="true"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.check { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; font-size: .92rem; align-items: start; cursor: pointer; }
.check input { width: 18px; height: 18px; margin: 3px 0 0; accent-color: var(--navy); }

/* ---------- Chart ---------- */
.chart { position: relative; width: 100%; min-width: 0; touch-action: pan-y; }
.chart svg { width: 100%; height: auto; overflow: visible; }
.chart .axis text { font: 500 11px var(--sans); font-variant-numeric: tabular-nums; }
.chart-tip { position: absolute; top: 0; pointer-events: none; background: var(--navy); color: var(--on-navy); border-radius: var(--radius-s); padding: 10px 12px; font-size: .78rem; line-height: 1.45; min-width: 170px; box-shadow: var(--shadow-pop); opacity: 0; transition: opacity 120ms; z-index: 2; }
.chart-tip.on { opacity: 1; }
.chart-tip .t { font-weight: 700; margin-bottom: 4px; }
.chart-tip .r { display: flex; justify-content: space-between; gap: 14px; font-variant-numeric: tabular-nums; }
.chart-tip .r i { display: inline-block; width: 8px; height: 8px; border-radius: var(--radius-pill); margin-right: 6px; }
.instrument .chart-tip, .band-navy .chart-tip { background: var(--on-navy); color: var(--navy); }

/* ---------- Calculator shell ---------- */
.calc { display: grid; border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); overflow: hidden; }
@media (min-width: 1000px) { .calc { grid-template-columns: minmax(300px, 380px) minmax(0, 1fr); } }
.calc-inputs { display: grid; gap: 22px; align-content: start; padding: 22px; background: var(--ivory); min-width: 0; }
@media (min-width: 640px) { .calc-inputs { padding: 32px; } }
.calc-results { display: grid; gap: 20px; align-content: start; padding: 22px; min-width: 0; }
@media (min-width: 640px) { .calc-results { padding: 32px; } }
.calc-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 16px; }
.metrics { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); border-top: 1px solid var(--rule); border-left: 1px solid var(--rule); }
.metric { padding: 12px 14px; border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule); min-width: 0; }
.metric .k { display: flex; align-items: center; gap: 6px; font-size: var(--fs-xs); color: var(--navy-soft); font-weight: 600; }
.metric .k i { width: 9px; height: 9px; border-radius: var(--radius-pill); flex: none; }
.metric .v { font: 650 1.2rem/1.3 var(--sans); font-variant-numeric: tabular-nums; color: var(--navy); margin-top: 4px; overflow-wrap: anywhere; }
.breakdown { display: grid; border-top: 1px solid var(--rule); }
.breakdown div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; padding: 10px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; }
.breakdown span.why { grid-column: 1 / -1; font-size: var(--fs-xs); color: var(--navy-soft); }
.breakdown b { font-variant-numeric: tabular-nums; color: var(--navy); }
.breakdown .total { border-bottom: 2px solid var(--navy); font-weight: 700; }
.calc-meta { display: grid; gap: 12px; border-top: 1px solid var(--rule); padding-top: 16px; }
.meta-row { display: flex; flex-wrap: wrap; gap: 6px 20px; font-size: var(--fs-xs); color: var(--navy-soft); }
.meta-row b { color: var(--navy); }
details.more { border-top: 1px solid var(--rule); }
details.more > summary { list-style: none; cursor: pointer; min-height: 48px; display: flex; align-items: center; justify-content: space-between; gap: 12px; font-weight: 650; color: var(--navy); }
details.more > summary::-webkit-details-marker { display: none; }
details.more > summary::after { content: "+"; font: 400 1.4rem/1 var(--sans); color: var(--navy-soft); }
details.more[open] > summary::after { content: "−"; }
details.more > div { padding-bottom: 16px; display: grid; gap: 10px; font-size: .92rem; }
details.more ul { padding-left: 1.1em; display: grid; gap: 6px; }
.tool-tabs { display: flex; gap: 6px; overflow-x: auto; scrollbar-width: none; margin-bottom: 20px; }
.tool-tabs::-webkit-scrollbar { display: none; }
.tool-tabs a { flex: none; min-height: 42px; display: inline-flex; align-items: center; padding: 0 14px; border: 1px solid var(--rule); border-radius: var(--radius-s); text-decoration: none; font-weight: 600; font-size: .9rem; color: var(--navy-soft); background: var(--white); }
.tool-tabs a[aria-current="true"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.panel[hidden] { display: none !important; }
.callout { border-left: 3px solid var(--gold); background: var(--gold-tint); padding: 12px 16px; font-size: .95rem; border-radius: var(--radius-m); }
.table-wrap { overflow-x: auto; border: 1px solid var(--rule); border-radius: var(--radius-s); }
table.data { width: 100%; border-collapse: collapse; font-size: .9rem; font-variant-numeric: tabular-nums; background: var(--white); }
table.data th, table.data td { padding: 10px 14px; border-bottom: 1px solid var(--rule); text-align: right; white-space: nowrap; }
table.data th:first-child, table.data td:first-child { text-align: left; }
table.data th { font-size: var(--fs-xs); color: var(--navy-soft); background: var(--bg); }

/* Development placeholder */
.devshell { position: relative; }
.devshell .calc-inputs { opacity: .7; }
.dev-note { border: 1px dashed var(--navy-soft); border-radius: var(--radius-m); padding: 20px; display: grid; gap: 10px; background: repeating-linear-gradient(-45deg, transparent 0 10px, rgba(20, 44, 53, .025) 10px 20px); }

/* ---------- Disclaimer ---------- */
.disclaimer { display: grid; grid-template-columns: 20px minmax(0, 1fr); gap: 10px; font-size: var(--fs-xs); line-height: 1.55; color: var(--navy-soft); padding: 12px 14px; background: var(--bg); border-radius: var(--radius-s); }
.disclaimer::before { content: "i"; display: grid; place-items: center; width: 18px; height: 18px; border: 1.5px solid currentColor; border-radius: 50%; font: 700 11px/1 var(--sans); }
.instrument .disclaimer { background: rgba(233, 230, 220, .06); color: var(--on-navy-muted); }

/* ---------- Example scenario ---------- */
.scenario { border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); display: grid; min-width: 0; }
.scenario-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 14px 20px; border-bottom: 1px solid var(--rule); }
.scenario-who { display: flex; align-items: center; gap: 12px; }
.scenario-who .avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--ivory); display: grid; place-items: center; font: 600 1rem var(--serif); color: var(--navy); border: 1px solid var(--rule); }
.scenario-who b { font: 650 1.05rem var(--sans); color: var(--navy); display: block; }
.scenario-who span { font-size: var(--fs-xs); color: var(--navy-soft); }
.scenario-grid { display: grid; }
@media (min-width: 640px) { .scenario-grid { grid-template-columns: 1fr 1fr; } }
.scenario-cell { padding: 16px 20px; border-bottom: 1px solid var(--rule); display: grid; gap: 8px; align-content: start; }
@media (min-width: 640px) { .scenario-cell:nth-child(odd) { border-right: 1px solid var(--rule); } .scenario-cell:nth-last-child(-n+2) { border-bottom: 0; } }
.scenario-cell:last-child { border-bottom: 0; }
.scenario-cell h4 { font: 700 .7rem/1.3 var(--sans); letter-spacing: 0; color: var(--navy-soft); }
.scenario-cell dl { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 4px 12px; font-size: .92rem; }
.scenario-cell dt { color: var(--navy-soft); }
.scenario-cell dd { text-align: right; font-weight: 650; color: var(--navy); font-variant-numeric: tabular-nums; }
.scenario-cell .result { font: 600 1.6rem/1.15 var(--sans); color: var(--navy); font-variant-numeric: tabular-nums; }
.scenario-cell p { font-size: .92rem; }
.scenarios { display: grid; gap: var(--s5); }
@media (min-width: 1000px) { .scenarios { grid-template-columns: 1fr 1fr; } }

/* ---------- Official rule / Partner insight / Quick summary ---------- */
.official { border: 1px solid var(--navy); border-radius: var(--radius-m); background: var(--white); }
.official-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 18px; border-bottom: 1px solid var(--rule); flex-wrap: wrap; }
.official-body { padding: 16px 18px; display: grid; gap: 10px; }
.official-body ul { padding-left: 1.1em; display: grid; gap: 6px; }
.official .src { font-size: var(--fs-xs); color: var(--navy-soft); }
.partner { border-top: 3px solid var(--navy); background: var(--white); border-left: 1px solid var(--rule); border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule); display: grid; }
.partner-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; padding: 14px 20px; border-bottom: 1px solid var(--rule); }
.partner-head .with { font-size: var(--fs-small); color: var(--navy-soft); }
.partner-head .with b { color: var(--navy); }
.partner-body { padding: 20px; display: grid; gap: 14px; }
.partner-dates { display: grid; gap: 0; border-top: 1px solid var(--rule); }
.partner-dates div { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; }
.partner-dates time { font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; }
.summary { border-left: 3px solid var(--sage); background: var(--white); padding: 18px 20px; display: grid; gap: 8px; border-radius: var(--radius-m); }
.summary h2, .summary h3 { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.summary p { font: 450 1.15rem/1.5 var(--serif); color: var(--navy); }

/* ---------- Sources & last updated ---------- */
.sources { border-top: 1px solid var(--rule); padding-top: 16px; display: grid; gap: 10px; }
.sources h2, .sources h3 { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--navy-soft); }
.sources ol { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; counter-reset: s; }
.sources li { counter-increment: s; display: grid; grid-template-columns: 22px minmax(0, 1fr); font-size: .9rem; }
.sources li::before { content: counter(s); font-weight: 700; color: var(--sage-ink); font-variant-numeric: tabular-nums; }
.sources a { overflow-wrap: anywhere; }
.updated { display: inline-flex; align-items: center; gap: 8px; font-size: var(--fs-xs); color: var(--navy-soft); }
.updated::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--sage-ink); }

/* ---------- Article layout ---------- */
.article-head { padding-block: 40px 32px; border-bottom: 1px solid var(--rule); }
@media (min-width: 1024px) { .article-head { padding-block: 64px 48px; } }
.crumbs { font-size: var(--fs-xs); color: var(--navy-soft); margin-bottom: 18px; display: flex; flex-wrap: wrap; gap: 6px; }
.crumbs a { color: var(--navy-soft); }
.crumbs span[aria-hidden] { opacity: .6; }
.article-head h1 { max-width: 20ch; margin-top: 12px; }
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 20px; align-items: center; margin-top: 20px; font-size: var(--fs-xs); color: var(--navy-soft); }
.article-grid { display: grid; gap: var(--s7); padding-block: 40px var(--section); }
@media (min-width: 1024px) { .article-grid { grid-template-columns: 220px minmax(0, 1fr); gap: var(--s8); padding-top: 56px; } }
.toc { display: none; }
@media (min-width: 1024px) { .toc { display: block; position: sticky; top: 100px; align-self: start; } }
.toc h2 { font: 700 var(--fs-xs) var(--sans); letter-spacing: 0; color: var(--navy-soft); margin-bottom: 12px; }
.toc ol { list-style: none; padding: 0; margin: 0; display: grid; border-left: 1px solid var(--rule); }
.toc a { display: grid; gap: 1px; padding: 8px 0 8px 14px; margin-left: -1px; border-left: 2px solid transparent; text-decoration: none; font-size: .88rem; color: var(--navy-soft); }
.toc a small { font-size: .7rem; letter-spacing: 0; color: var(--gold-ink); font-weight: 700; }
.toc a.active, .toc a:hover { border-left-color: var(--navy); color: var(--navy); }
.article-body { display: grid; gap: var(--s7); min-width: 0; }
.block { display: grid; gap: var(--s4); min-width: 0; scroll-margin-top: 90px; }
.block-label { display: flex; align-items: center; gap: 12px; }
.block-label .lvl { font: 700 .7rem/1 var(--sans); letter-spacing: 0; color: var(--gold-ink); }
.block-label::after { content: ""; flex: 1; height: 1px; background: var(--rule); }
.block > h2 { font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem); }
.levels-nav { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 18px; }
.levels-nav a { display: inline-flex; align-items: center; gap: 8px; min-height: 36px; padding: 0 12px; border: 1px solid var(--rule); border-radius: var(--radius-s); font-size: .82rem; font-weight: 600; text-decoration: none; color: var(--navy); background: var(--white); }
.levels-nav a small { color: var(--gold-ink); font-weight: 700; }
.compare-table { display: grid; border-top: 1px solid var(--rule); }
.compare-table .row { display: grid; gap: 4px 20px; padding: 12px 0; border-bottom: 1px solid var(--rule); }
@media (min-width: 720px) { .compare-table .row { grid-template-columns: 180px minmax(0, 1fr) minmax(0, 1fr); } }
.compare-table .row.head { font: 700 var(--fs-xs) var(--sans); letter-spacing: 0; color: var(--navy-soft); }
@media (max-width: 719px) { .compare-table .row.head { display: none; } .compare-table .cell::before { content: attr(data-label); display: block; font-size: var(--fs-xs); color: var(--navy-soft); font-weight: 650; } }
.compare-table .attr { font-weight: 650; color: var(--navy); }
.related { display: grid; gap: 0; border-top: 1px solid var(--rule); }
.related a { display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 16px 0; border-bottom: 1px solid var(--rule); text-decoration: none; }
.related a b { font: 500 1.2rem/1.3 var(--serif); color: var(--navy); }
.fig { border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); padding: 20px; display: grid; gap: 12px; }
.fig figcaption { font-size: var(--fs-xs); color: var(--navy-soft); }

/* ETF decoder */
.decoder-name { display: flex; flex-wrap: wrap; gap: 6px; }
.decoder-name button { min-height: 44px; padding: 0 12px; border: 1px solid var(--stone); background: var(--bg); border-radius: var(--radius-s); font: 650 1rem var(--sans); color: var(--navy); cursor: pointer; }
.decoder-name button[aria-pressed="true"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.decoder-panel { border-top: 1px solid var(--rule); padding-top: 14px; display: grid; gap: 4px; min-height: 120px; }
.decoder-panel .role { font: 700 .7rem var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.decoder-panel .what { font: 500 1.4rem var(--serif); color: var(--navy); }

/* ---------- People ---------- */
.people { display: grid; gap: var(--s5); grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; }
.people .portrait:nth-child(2) { margin-top: var(--s7); }
.people figcaption { flex-direction: column; gap: 2px; }
.people figcaption span:first-child { font-weight: 650; color: var(--navy); font-size: var(--fs-small); }
.person { display: grid; gap: var(--s4); }
@media (min-width: 720px) { .person { grid-template-columns: 220px minmax(0, 1fr); gap: var(--s6); align-items: start; } }
.person + .person { border-top: 1px solid var(--rule); padding-top: var(--s6); }
.person .portrait .frame { max-width: 260px; }
.person .role { font-size: var(--fs-small); font-weight: 650; color: var(--sage-ink); }
.slot { aspect-ratio: 4 / 5; border: 1px dashed var(--navy-soft); border-radius: var(--radius-m); display: grid; place-items: center; text-align: center; padding: 16px; font-size: var(--fs-xs); color: var(--navy-soft); }

/* ---------- Hub ---------- */
.hub-guides { display: grid; border-top: 1px solid var(--rule); }
.hub-guides .g { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; padding: 16px 0; border-bottom: 1px solid var(--rule); align-items: center; }
.hub-guides .g a, .hub-guides .g b { font: 500 1.2rem/1.3 var(--serif); color: var(--navy); }
.hub-guides .g span.d { grid-column: 1; font-size: .9rem; color: var(--navy-soft); }
.hub-guides .g .tag { grid-row: 1; grid-column: 2; }
.terms { display: grid; gap: 0; border-top: 1px solid var(--rule); }
.terms div { display: grid; gap: 2px 20px; padding: 12px 0; border-bottom: 1px solid var(--rule); }
@media (min-width: 640px) { .terms div { grid-template-columns: 220px minmax(0, 1fr); } }
.terms dt { font: 650 1.05rem var(--serif); color: var(--navy); }
.terms dd { font-size: .95rem; color: var(--charcoal); }

/* ---------- Trust ---------- */
.trust-grid { display: grid; gap: 0; border-top: 1px solid var(--rule); }
@media (min-width: 900px) { .trust-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 0; } }
.trust-item { padding: 20px 0; border-bottom: 1px solid var(--rule); display: grid; gap: 10px; align-content: start; }
@media (min-width: 900px) { .trust-item { padding: 4px 28px 4px 0; border-bottom: 0; } .trust-item + .trust-item { border-left: 1px solid var(--rule); padding-left: 28px; } }

/* ---------- CTA band + footer ---------- */
.cta-band { position: relative; overflow: hidden; }
.cta-band .diag { position: absolute; right: -6%; bottom: -12%; width: 56%; opacity: .9; }
.cta-band > .wrap { position: relative; }
.site-footer { background: var(--navy); color: var(--on-navy); padding-block: 56px 28px; }
.footer-grid { display: grid; gap: 36px; }
@media (min-width: 900px) { .footer-grid { grid-template-columns: 1.5fr repeat(3, 1fr); gap: 32px; } }
.site-footer .logo { color: var(--on-navy); }
.site-footer .logo-text span { color: var(--sage); }
.site-footer p { color: var(--on-navy-muted); font-size: .92rem; }
.site-footer h2 { font: 700 var(--fs-xs) var(--sans); letter-spacing: 0; color: var(--sage); margin-bottom: 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 2px; }
.site-footer ul a { display: inline-flex; min-height: 34px; align-items: center; color: var(--on-navy-muted); text-decoration: none; font-size: .92rem; }
.site-footer ul a:hover { color: var(--on-navy); text-decoration: underline; }
.footer-legal { margin-top: 44px; padding-top: 20px; border-top: 1px solid var(--rule-dark); display: grid; gap: 8px; font-size: var(--fs-xs); color: var(--on-navy-muted); }

/* ---------- Misc ---------- */
.tbd { background: var(--gold-tint); color: var(--gold-ink); padding: 1px 6px; border-radius: var(--radius-s); font-weight: 650; }
.page-head { padding-block: 40px 32px; border-bottom: 1px solid var(--rule); }
@media (min-width: 1024px) { .page-head { padding-block: 64px 48px; } }
.page-head h1 { max-width: 22ch; margin-top: 12px; }
.page-head .lead { margin-top: 14px; }
.legal h2 { font-size: 1.4rem; margin-top: 2em; }
.legal h2:first-child { margin-top: 0; }
.legal address { font-style: normal; }
.figure-graphic { width: 100%; max-width: 420px; aspect-ratio: 16 / 9; }

/* =====================================================================================
   v2 additions: approved D² logo, guides library, articles, diagrams, tools, videos
   ===================================================================================== */

/* ---------- Logo (approved D² kit, no changes to the artwork) ---------- */
.logo .logo-full { height: 36px; width: auto; }
.logo .logo-mark { display: none; height: 34px; width: auto; }
@media (max-width: 599px) { .site-header .logo .logo-full { display: none; } .site-header .logo .logo-mark { display: block; } }
.site-footer .logo img { height: 40px; width: auto; }
.about-logo { display: none; }
@media (min-width: 960px) { .about-logo { display: block; } .about-logo img { width: 100%; max-width: 280px; height: auto; margin-left: auto; } }

/* ---------- Headings and section heads ---------- */
.sub-h { font-size: clamp(1.35rem, 1.15rem + .8vw, 1.75rem); }
.split-head { max-width: none; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 16px 32px; }
.split-head > div { display: grid; gap: var(--s3); max-width: 720px; }

/* ---------- Guide cards ---------- */
.guide-grid { list-style: none; margin: 0; padding: 0; display: grid; border-top: 1px solid var(--rule); }
@media (min-width: 720px) { .guide-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: var(--s6); } }
@media (min-width: 1100px) { .guide-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.guide-card { border-bottom: 1px solid var(--rule); }
.guide-card a { display: grid; gap: 6px; align-content: start; height: 100%; padding: 20px 0; text-decoration: none; color: inherit; }
.guide-card b { font: 500 1.3rem/1.25 var(--serif); color: var(--navy); }
.guide-card a:hover b { text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 4px; }
.guide-card span { font-size: .92rem; color: var(--navy-soft); }
.guide-card span.xs { font-size: var(--fs-xs); color: var(--sage-ink); font-weight: 650; }

/* ---------- Learn library ---------- */
.lib-tools { display: grid; gap: 14px; max-width: 760px; margin-bottom: var(--s5); }
.choice-wrap { gap: 8px; }
.lib-group { margin-top: var(--s7); }
.lib-group h2 a { color: var(--navy); text-decoration: none; }
.lib-group h2 a:hover { text-decoration: underline; }
.lib-list { list-style: none; margin: 12px 0 0; padding: 0; display: grid; border-top: 1px solid var(--rule); }
@media (min-width: 900px) { .lib-list { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: var(--s6); } }
.lib-item { border-bottom: 1px solid var(--rule); }
.lib-item a { display: grid; gap: 4px; padding: 16px 0; text-decoration: none; }
.lib-item b { font: 500 1.2rem/1.3 var(--serif); color: var(--navy); }
.lib-item span { font-size: .9rem; color: var(--navy-soft); }
.lib-item span.xs { font-size: var(--fs-xs); color: var(--sage-ink); font-weight: 650; }

/* ---------- Article extras ---------- */
.scope { margin-top: 12px; max-width: 72ch; }
.intro { font-size: 1.02rem; }
sup.fn { font-size: .68em; line-height: 0; margin-left: 1px; }
sup.fn a { text-decoration: none; font-weight: 700; color: var(--sage-ink); padding: 0 1px; }
sup.fn a:hover { text-decoration: underline; }
.block > p, .block > ul, .block > ol, .block > h3, .block > h4, .block > blockquote, .block > dl.terms { max-width: 72ch; }
.block ul, .block ol { padding-left: 1.2em; }
.block li + li { margin-top: .4em; }
.block > h3 { margin-top: 6px; }
.block blockquote { margin: 0; border-left: 3px solid var(--sage); padding: 4px 0 4px 16px; color: var(--navy-soft); }
.block code { font-size: .88em; background: var(--ivory); padding: 1px 5px; border-radius: var(--radius-s); }
.block table.data th, .block table.data td { white-space: normal; text-align: left; min-width: 110px; vertical-align: top; }
.block table.data td[style*="right"], .block table.data th[style*="right"] { white-space: nowrap; }
.faq { display: grid; border-bottom: 1px solid var(--rule); max-width: 72ch; }
.faq details.more > summary { font-weight: 650; padding-block: 8px; }
.faq details.more > div { font-size: .95rem; }

/* Tool call-to-action inside guides */
.cta-tool { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px 24px; padding: 18px 20px; border: 1px solid var(--rule); border-left: 3px solid var(--gold); background: var(--white); border-radius: 0 var(--radius-m) var(--radius-m) 0; max-width: 72ch; }
.cta-tool > div { display: grid; gap: 4px; min-width: 0; flex: 1 1 240px; }
.cta-tool b { font: 500 1.25rem/1.25 var(--serif); color: var(--navy); }
.cta-tool > div > span:last-child { font-size: .92rem; color: var(--navy-soft); }

/* ---------- Educational diagrams (HTML, reflow on mobile) ---------- */
.dg { margin: 0; container-type: inline-size; border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); padding: 18px; display: grid; gap: 14px; min-width: 0; }
@media (min-width: 640px) { .dg { padding: 22px; } }
.dg figcaption { font-size: var(--fs-xs); color: var(--navy-soft); max-width: 70ch; }
.dg h4 { color: var(--navy); }
.dg .legend { font-size: var(--fs-xs); color: var(--navy-soft); }
.dg-flow { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; counter-reset: st; }
.dg-flow li { counter-increment: st; position: relative; display: grid; gap: 2px; padding: 12px 14px 12px 50px; border: 1px solid var(--rule); border-radius: var(--radius-s); background: var(--bg); }
.dg-flow li::before { content: counter(st); position: absolute; left: 13px; top: 12px; width: 24px; height: 24px; border-radius: 50%; background: var(--navy); color: var(--on-navy); display: grid; place-items: center; font: 700 .78rem/1 var(--sans); }
.dg-flow b { color: var(--navy); font-size: .95rem; }
.dg-flow span { font-size: .86rem; color: var(--navy-soft); }
@container (min-width: 760px) {
  .dg-flow { grid-auto-flow: column; grid-auto-columns: minmax(0, 1fr); gap: 14px; }
  .dg-flow li { padding: 46px 14px 14px; }
  .dg-flow li:not(:last-child)::after { content: ""; position: absolute; right: -13px; top: 23px; width: 12px; height: 2px; background: var(--gold); }
}
.dg-three { display: grid; gap: 10px; }
@container (min-width: 600px) { .dg-three { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.dg-three > div { border-top: 3px solid var(--sage); background: var(--bg); padding: 12px 14px; display: grid; gap: 6px; align-content: start; border-radius: 0 0 var(--radius-s) var(--radius-s); }
.dg-three > div:nth-child(2) { border-top-color: var(--gold); }
.dg-three > div:nth-child(3) { border-top-color: var(--navy); }
.dg-three p, .dg-three li { font-size: .88rem; }
.dg-three ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.dg-three li b { display: block; color: var(--navy); }
.dg-basket { display: grid; gap: 16px; align-items: center; }
@container (min-width: 620px) { .dg-basket { grid-template-columns: minmax(0, 1fr) minmax(0, 1.3fr) minmax(0, 1fr); } }
.dg-basket-side { display: grid; gap: 4px; }
.dg-basket-side b { font: 500 1.2rem/1.2 var(--serif); color: var(--navy); }
.dg-basket-side span { font-size: .88rem; color: var(--navy-soft); }
.dg-basket-grid { display: grid; grid-template-columns: repeat(9, 1fr); gap: 4px; padding: 10px; border: 2px solid var(--navy); border-radius: var(--radius-m); max-width: 360px; }
.dg-basket-grid .t { aspect-ratio: 1; border-radius: var(--radius-pill); }
.dg-basket-grid .t0 { background: var(--sage); }
.dg-basket-grid .t1 { background: var(--navy); }
.dg-basket-grid .t2 { background: var(--gold); }
.dg-water { list-style: none; margin: 0; padding: 0; display: grid; border: 1px solid var(--rule); border-radius: var(--radius-s); overflow: hidden; max-width: 560px; }
.dg-water li { display: flex; justify-content: space-between; gap: 16px; padding: 10px 14px; border-bottom: 1px solid var(--rule); font-size: .95rem; }
.dg-water li:last-child { border-bottom: 0; }
.dg-water b { font-variant-numeric: tabular-nums; color: var(--navy); white-space: nowrap; }
.dg-water .minus b { color: var(--navy-soft); }
.dg-water .result { background: var(--sage-tint); font-weight: 700; }
.dg-water .tax { background: var(--navy); color: var(--on-navy); }
.dg-water .tax b { color: var(--gold); }
.dg-salary { display: grid; gap: 12px; }
.dg-node { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 4px 12px; padding: 12px 16px; border-radius: var(--radius-s); }
.dg-node.gross { background: var(--navy); color: var(--on-navy); }
.dg-node.gross b { color: var(--gold); }
.dg-node.net { background: var(--sage-tint); color: var(--navy); border: 1px solid var(--sage); }
.dg-node b { font: 650 1.25rem var(--sans); font-variant-numeric: tabular-nums; }
.dg-branches { display: grid; gap: 12px; }
@container (min-width: 560px) { .dg-branches { grid-template-columns: 1fr 1fr; } }
.dg-col { border: 1px solid var(--rule); border-top: 3px solid var(--navy); border-radius: var(--radius-s); padding: 10px 14px; display: grid; gap: 6px; align-content: start; }
.dg-col.soc { border-top-color: var(--gold); }
.dg-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; }
.dg-col li { display: flex; justify-content: space-between; gap: 12px; font-size: .88rem; }
.dg-col li b { font-variant-numeric: tabular-nums; color: var(--navy); white-space: nowrap; }
.dg-pillars { display: grid; gap: 10px; }
@container (min-width: 600px) { .dg-pillars { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.dg-pillars > div { padding: 14px; border-radius: var(--radius-s); display: grid; gap: 6px; align-content: start; }
.dg-pillars .p1 { background: var(--navy); color: var(--on-navy); }
.dg-pillars .p1 h4 { color: var(--on-navy); }
.dg-pillars .p2 { background: var(--sage-tint); }
.dg-pillars .p3 { background: var(--gold-tint); }
.dg-pillars .lvl { font: 700 .7rem/1.2 var(--sans); letter-spacing: 0; }
.dg-pillars .p1 .lvl { color: var(--sage); }
.dg-pillars .p2 .lvl { color: var(--sage-ink); }
.dg-pillars .p3 .lvl { color: var(--gold-ink); }
.dg-pillars p { font-size: .88rem; }
.dg-coverage { display: grid; gap: 10px; }
.dg-coverage .row { display: grid; gap: 4px; }
@container (min-width: 520px) { .dg-coverage .row { grid-template-columns: 210px minmax(0, 1fr); align-items: center; gap: 14px; } }
.dg-coverage .name { font-size: .88rem; font-weight: 650; color: var(--navy); }
.dg-coverage .bar { display: flex; height: 14px; background: var(--bg); border-radius: var(--radius-pill); overflow: hidden; }
.dg-coverage .bar i { display: block; height: 100%; }
.dg-coverage .bar i.dev { flex: 0 0 70%; background: var(--navy); }
.dg-coverage .bar i.em { flex: 0 0 30%; background: var(--sage); }
.dg-coverage .bar i.em.only { margin-left: 70%; }
.dg-coverage .legend i.dev { background: var(--navy); }
.dg-coverage .legend i.em { background: var(--sage); }
.dg-mortgage { display: grid; gap: 12px; }
.dg-mortgage .yr { display: grid; gap: 4px; }
@container (min-width: 560px) { .dg-mortgage .yr { grid-template-columns: 72px minmax(0, 1fr); align-items: center; column-gap: 14px; } .dg-mortgage .v { grid-column: 2; } }
.dg-mortgage .y { font-weight: 700; font-size: .88rem; color: var(--navy); }
.dg-mortgage .bar { display: flex; height: 18px; border-radius: var(--radius-pill); overflow: hidden; }
.dg-mortgage .bar i { display: block; height: 100%; }
.dg i.int { background: var(--gold); }
.dg i.rep { background: var(--navy); }
.dg-mortgage .v { font-size: .8rem; color: var(--navy-soft); font-variant-numeric: tabular-nums; }

/* ---------- Video lessons (no fake players) ---------- */
.video { margin: 0; display: grid; gap: 8px; }
.video figcaption { font-size: var(--fs-small); font-weight: 650; color: var(--navy); }
.video-soon .video-frame { min-height: 64px; display: flex; align-items: center; padding: 0 16px; border: 1px solid var(--rule); border-radius: var(--radius-m); background-color: var(--ivory); background-size: 160px; background-repeat: repeat; }
.video-soon .video-frame span { background: var(--white); border: 1px solid var(--rule); padding: 6px 12px; border-radius: var(--radius-s); font: 650 .82rem/1.3 var(--sans); color: var(--navy); }
.article-body > .video { max-width: 520px; }
.video-live .video-frame { position: relative; aspect-ratio: 16 / 9; border-radius: var(--radius-m); overflow: hidden; background: var(--navy); }
.video-play { position: absolute; inset: 0; display: grid; place-content: center; gap: 6px; padding: 16px; border: 0; background: var(--navy); color: var(--on-navy); cursor: pointer; font: 650 1rem/1.3 var(--sans); text-align: center; }
.video-play .xs { color: var(--on-navy-muted); font-weight: 450; }
.video-frame iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video-row { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--s5); grid-template-columns: repeat(auto-fill, minmax(min(100%, 240px), 1fr)); }
.video-row > li { display: grid; gap: 8px; align-content: start; }
.video-row > li > a { text-decoration: none; color: inherit; }
.video-row > li > a:hover figcaption { text-decoration: underline; }
.video-group + .video-group { margin-top: var(--s7); }
.video-group h2 { margin-bottom: 16px; }

/* ---------- Home: broker call-to-action ---------- */
.broker-cta .dg { background: var(--white); }

/* ---------- Partner, community, newsletter ---------- */
.pill-note { display: inline-flex; align-items: center; min-height: 40px; padding: 0 14px; border: 1px dashed var(--navy-soft); border-radius: 999px; font-size: .88rem; font-weight: 600; color: var(--navy-soft); }
.newsletter { display: grid; gap: 8px; max-width: 520px; margin-top: var(--s5); }
.newsletter label { font-weight: 650; color: var(--navy); }
.newsletter .input { flex: 1 1 220px; width: auto; }
.course-list { list-style: none; padding: 0; margin: var(--s4) 0 0; display: grid; gap: 6px; }

/* ---------- Tool pages ---------- */
.tool-head .tool-art img { width: 100%; max-width: 260px; margin-left: auto; opacity: .9; }
@media (max-width: 959px) { .tool-head .tool-art { display: none; } }
.tool-status { margin-top: 12px; font-size: var(--fs-small); color: var(--navy-soft); }
.tool-group + .tool-group { margin-top: var(--s7); }
.tool-list-light { list-style: none; margin: 12px 0 0; padding: 0; border-top: 1px solid var(--rule); }
.tool-list-light li { border-bottom: 1px solid var(--rule); }
.tool-row { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px 20px; align-items: center; padding: 16px 4px; text-decoration: none; color: inherit; }
.tool-row:hover { background: var(--white); }
.tr-t { display: grid; gap: 4px; }
.tr-t b { font: 500 1.25rem/1.3 var(--serif); color: var(--navy); }
.tr-t span { font-size: .92rem; color: var(--navy-soft); }
.tr-m { display: grid; gap: 4px; justify-items: end; text-align: right; }
@media (max-width: 559px) { .tool-row { grid-template-columns: minmax(0, 1fr); } .tr-m { justify-items: start; text-align: left; grid-auto-flow: column; justify-content: start; align-items: center; gap: 10px; } }
.side-note { border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); padding: 20px; display: grid; gap: 12px; align-content: start; }
.ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.ticks li { position: relative; padding-left: 22px; font-size: .92rem; }
.ticks li::before { content: ""; position: absolute; left: 2px; top: .6em; width: 7px; height: 7px; background: var(--sage); transform: rotate(45deg); }
.label-h { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--navy-soft); }
.split-why { display: grid; border-top: 1px solid var(--rule); }
.split-why div { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px solid var(--rule); font-size: .92rem; }
.split-why dd { font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; white-space: nowrap; }
.three-cards { display: grid; gap: 10px; }
@media (min-width: 720px) { .three-cards { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.three-cards > div { border: 1px solid var(--rule); border-radius: var(--radius-s); padding: 12px 14px; display: grid; gap: 4px; align-content: start; min-width: 0; }
.three-cards .k { font-size: var(--fs-xs); font-weight: 650; color: var(--navy-soft); }
.three-cards b { font: 650 1.35rem/1.25 var(--sans); color: var(--navy); font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.tranche { display: grid; gap: 4px; }
.tr-scale { display: flex; font-size: var(--fs-xs); }
.tr-scale span { padding: 2px 6px; border-left: 2px solid var(--sage-ink); font-weight: 650; color: var(--navy); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.tr-scale span + span { border-left-color: var(--gold-ink); }
.tr-bar { height: 12px; background: var(--bg); border: 1px solid var(--rule); border-radius: var(--radius-pill); overflow: hidden; }
.tr-bar i { display: block; height: 100%; width: 0; background: var(--sage-ink); transition: width var(--t-med) var(--ease); }
.tr-ticks { position: relative; height: 1.5em; font-size: var(--fs-xs); color: var(--navy-soft); }
.tr-ticks span { position: absolute; top: 0; white-space: nowrap; }
.tr-ticks span:nth-child(1) { left: 0; }
.tr-ticks span:nth-child(2) { left: 20%; transform: translateX(-50%); }
.tr-ticks span:nth-child(3) { right: 0; }
.stackbar { display: flex; height: 14px; border-radius: var(--radius-pill); overflow: hidden; background: var(--bg); }
.stackbar span { display: block; height: 100%; flex-basis: 0; transition: flex-grow var(--t-med) var(--ease); }
#sal-bar .net, #rg-bar .net { background: var(--sage); }
#sal-bar .tax, #rg-bar .gap { background: var(--navy); }
#sal-bar .soc, #rg-bar .soc { background: var(--gold); }
.sal-table tr.sum th, .sal-table tr.sum td { font-weight: 650; background: var(--bg); }
.sal-table tr.net th, .sal-table tr.net td { font-weight: 700; color: var(--navy); background: var(--sage-tint); border-bottom: 0; }
.nv { display: inline-block; padding: 1px 6px; border: 1px dashed var(--navy-soft); border-radius: var(--radius-s); font-size: .78rem; font-weight: 650; color: var(--navy-soft); white-space: nowrap; }

/* Broker comparison list */
.br-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.br-row { border: 1px solid var(--rule); border-radius: var(--radius-m); padding: 16px 18px; display: grid; gap: 12px; background: var(--white); min-width: 0; }
.br-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 8px 12px; }
.br-head h3 { font: 500 1.35rem/1.2 var(--serif); }
.br-facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 150px), 1fr)); gap: 10px 16px; }
.br-facts div { display: grid; gap: 2px; min-width: 0; }
.br-facts dt { font-size: var(--fs-xs); font-weight: 650; color: var(--navy-soft); }
.br-facts dd { font-size: .92rem; color: var(--charcoal); overflow-wrap: anywhere; }
.br-src { padding-left: 1.2em; display: grid; gap: 4px; font-size: .85rem; }
.br-src a { overflow-wrap: anywhere; }
.br-pick { font-weight: 650; color: var(--navy); }
.br-pick input:disabled + span { opacity: .5; }
table.cmp th, table.cmp td { white-space: normal; text-align: left; vertical-align: top; min-width: 140px; }

/* ETF name decoder */
.choice-list { display: flex; flex-wrap: wrap; gap: 6px; }
.choice-list button { min-height: 40px; padding: 6px 12px; border: 1px solid var(--stone); background: var(--white); border-radius: var(--radius-s); font: 600 .85rem/1.3 var(--sans); color: var(--navy-soft); cursor: pointer; text-align: left; }
.choice-list button[aria-pressed="true"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.decoder .label { font-weight: 650; font-size: .92rem; color: var(--navy); }
.decoder-name button.unknown { border-style: dashed; color: var(--navy-soft); background: var(--white); }
.dec-source { overflow-wrap: anywhere; }

/* ---------- Small screens: keep everything inside 360px ---------- */
@media (max-width: 420px) {
  .numbox { width: 120px; }
  .field-top { flex-wrap: wrap; }
  .btn { white-space: normal; text-align: center; }
  .law-list li { grid-template-columns: minmax(0, 1fr); gap: 2px; }
  .partner-dates div { grid-template-columns: minmax(0, 1fr); gap: 2px; }
}
.page-head .cluster { margin-top: 20px; }
.next-step { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; align-items: center; padding: 18px 20px; margin-top: 12px; border: 1px solid var(--navy); border-radius: var(--radius-m); background: var(--white); text-decoration: none; max-width: 72ch; }
.next-step .eyebrow { grid-column: 1; }
.next-step b { grid-column: 1; font: 500 1.3rem/1.25 var(--serif); color: var(--navy); }
.next-step .arrow { grid-column: 2; grid-row: 1 / span 2; }
.next-step:hover { background: var(--ivory); }

/* ---------- v3: human-voice entry points ---------- */
.situations { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); }
.situation { display: grid; gap: 10px; align-content: start; padding: 18px; border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--bg); }
.sit-label { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.sit-q { font: 500 1.3rem/1.25 var(--serif); color: var(--navy); }
.situation .btn { justify-self: start; white-space: normal; text-align: left; min-height: 44px; height: auto; padding-block: 8px; }
.situation .arrow { font-size: .9rem; }
.sit-hub { color: var(--navy-soft); margin-top: 4px; }
.video-list { list-style: none; margin: 0; padding: 0; display: grid; border-top: 1px solid var(--rule); }
.video-list li { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 6px 16px; padding: 12px 0; border-bottom: 1px solid var(--rule); }
.video-list li > a:first-child { font-weight: 650; color: var(--navy); }
.vbadge { display: inline-block; padding: 2px 8px; border: 1px solid var(--rule); border-radius: 999px; font: 600 .74rem/1.4 var(--sans); color: var(--navy-soft); background: var(--white); white-space: nowrap; }
.video-note { display: flex; flex-wrap: wrap; gap: 8px 12px; align-items: center; font-size: var(--fs-small); color: var(--navy-soft); }
.start-here .small { grid-column: 1; }
.start-here { max-width: 760px; }

/* =====================================================================================
   v4 · Learning experience: lesson modules, start-here paths, concept cards, nerdy details
   ===================================================================================== */
.lesson { background: var(--white); border: 1px solid var(--rule); border-radius: var(--radius-m); padding: 20px; display: grid; gap: 16px; margin-block: 8px; }
@media (min-width: 768px) { .lesson { padding: 28px; } }
.lesson .lx-title { font: 500 1.45rem/1.2 var(--serif); color: var(--navy); margin-top: -8px; }
.lx-assume { border-top: 1px solid var(--rule); padding-top: 12px; }
.band-navy .lesson { background: var(--white); color: var(--charcoal); }
.band-navy .lesson .muted, .band-navy .lesson .xs.muted { color: var(--navy-soft); }
.band-navy .lesson a:not(.btn) { color: var(--navy); }
.band-navy .lesson h3, .band-navy .lesson h4 { color: var(--navy); }
.band-navy .lesson .eyebrow { color: var(--sage-ink); }

/* concept card (first screen of a guide) */
.concept-card { display: grid; gap: 0; border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); overflow: hidden; margin-top: 20px; max-width: 860px; }
@media (min-width: 768px) { .concept-card { grid-template-columns: 1.6fr 1fr; } }
.cc-plain { padding: 18px 20px; display: grid; gap: 6px; }
.cc-plain p { font-size: 1.08rem; line-height: 1.55; color: var(--charcoal); }
.cc-term { padding: 18px 20px; background: var(--sage-tint); display: grid; gap: 4px; align-content: start; }
.cc-term b { font: 500 1.5rem/1.15 var(--serif); color: var(--navy); overflow-wrap: anywhere; hyphens: auto; }
.cc-lit { font-size: var(--fs-small); color: var(--sage-ink); font-style: italic; }
.cc-k, .cf-k, .dn-k { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }

/* common mix-up */
.confusion { border-radius: var(--radius-m); background: var(--gold-tint); padding: 16px 18px; display: grid; gap: 8px; margin-block: 8px; }
.confusion .cf-k { color: var(--gold-ink); }
.cf-myth { color: var(--navy-soft); text-decoration: line-through; text-decoration-color: rgba(122, 100, 40, .55); text-decoration-thickness: 1.5px; }
.cf-myth::before { content: "“"; } .cf-myth::after { content: "”"; }
.cf-truth { color: var(--charcoal); font-weight: 500; }

/* practical note */
.dnote { border-left: 3px solid var(--navy); background: var(--white); padding: 14px 18px; display: grid; gap: 6px; border-radius: var(--radius-m); margin-block: 8px; }
.dn-k { color: var(--navy); display: inline-flex; gap: 8px; align-items: center; }
.dn-mark { display: inline-grid; place-items: center; width: 26px; height: 22px; border-radius: var(--radius-xs); background: var(--navy); color: var(--on-navy); font: 600 .72rem/1 var(--serif); letter-spacing: 0; }

/* nerdy details */
.nerdy { border: 1px dashed var(--navy-soft); border-radius: var(--radius-m); background: transparent; margin-block: 24px; }
.nerdy > summary { list-style: none; cursor: pointer; padding: 18px 20px; display: grid; gap: 4px; position: relative; padding-right: 56px; }
.nerdy > summary::-webkit-details-marker { display: none; }
.nerdy > summary::after { content: "+"; position: absolute; right: 18px; top: 16px; width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: var(--on-navy); display: grid; place-items: center; font: 600 1.2rem/1 var(--sans); }
.nerdy[open] > summary::after { content: "−"; }
.nerdy > summary:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: var(--radius-m); }
.nd-title { font: 500 1.35rem/1.2 var(--serif); color: var(--navy); }
.nd-sub { font-size: var(--fs-small); color: var(--navy-soft); }
.nd-toc { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 6px; padding: 0; list-style: none; }
.nd-toc li { font-size: var(--fs-xs); padding: 2px 8px; border-radius: 99px; background: var(--white); border: 1px solid var(--rule); color: var(--navy-soft); }
.nerdy-body { padding: 0 20px 20px; display: grid; gap: 8px; }
.nerdy-body > .block { padding-top: 24px; }

/* beginner path banner */
.path-banner { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; padding: 10px 14px; border-radius: var(--radius-m); background: var(--white); border: 1px solid var(--rule); margin-bottom: 18px; font-size: var(--fs-small); }
.pb-label { font-weight: 700; color: var(--sage-ink); }
.pb-dots { display: inline-flex; gap: 6px; }
.pb-dot { width: 22px; height: 8px; border-radius: 99px; background: var(--stone); display: block; }
.pb-dot.done { background: var(--sage); } .pb-dot.on { background: var(--navy); width: 34px; }
.pb-links { display: flex; gap: 16px; margin-left: auto; flex-wrap: wrap; }
.pb-links a { font-weight: 650; color: var(--navy); }
.pb-next::after { content: " →"; }

/* check yourself */
.quiz { border-color: var(--sage); background: linear-gradient(180deg, var(--sage-tint), var(--white) 70%); }
.quiz .sub-h { font-size: 1.35rem; }
.quiz-opts { display: grid; gap: 8px; }
.quiz-opt { text-align: left; min-height: 48px; padding: 12px 16px; border: 1px solid var(--stone); border-radius: var(--radius-s); background: var(--white); font: 600 .95rem/1.4 var(--sans); color: var(--navy); cursor: pointer; }
.quiz-opt:hover { border-color: var(--navy); }
.quiz-opt.right { border-color: var(--sage-ink); background: var(--sage-tint); }
.quiz-opt.right::before { content: "✓ "; color: var(--sage-ink); }
.quiz-opt.wrong { border-color: #B4775F; background: #FBF1EC; }
.quiz-opt.wrong::before { content: "✕ "; color: #8A3B26; }
.quiz-out { padding: 12px 14px; background: var(--white); border-radius: var(--radius-s); border: 1px solid var(--rule); }

/* payslip explorer */
.ls-top { display: grid; gap: 16px; align-items: end; }
@media (min-width: 768px) { .ls-top { grid-template-columns: 1.3fr 1fr; } }
.ls-net { display: grid; gap: 2px; justify-items: start; }
@media (min-width: 768px) { .ls-net { justify-items: end; text-align: right; } }
.ls-net > b { font: 500 2.4rem/1.05 var(--serif); color: var(--navy); font-variant-numeric: tabular-nums; }
.ls-bar { display: flex; gap: 4px; min-height: 76px; }
.ls-seg { flex: 1 1 0; min-width: 64px; border: 0; border-radius: var(--radius-s); padding: 10px 10px; text-align: left; display: grid; align-content: space-between; gap: 4px; cursor: pointer; font: 600 .78rem/1.2 var(--sans); transition: flex-grow var(--t-med) var(--ease), box-shadow var(--t-fast); }
.ls-seg b { font: 700 .95rem/1.1 var(--sans); font-variant-numeric: tabular-nums; }
.ls-seg[data-seg="net"] { background: var(--sage); color: var(--navy-deep); }
.ls-seg[data-seg="tax"] { background: var(--navy); color: var(--on-navy); }
.ls-seg[data-seg="social"] { background: var(--gold); color: var(--navy-deep); }
.ls-seg[aria-pressed="true"] { box-shadow: 0 0 0 3px var(--white), 0 0 0 5px var(--navy); }
.ls-seg:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; }
.ls-panel { background: var(--bg); border-radius: var(--radius-s); padding: 14px 16px; display: grid; gap: 8px; }
.ls-lines { list-style: none; padding: 0; display: grid; gap: 10px; }
.ls-lines li { display: grid; grid-template-columns: 1fr auto; gap: 2px 12px; }
.ls-lines li > b { font-variant-numeric: tabular-nums; color: var(--navy); }
.ls-lines small { grid-column: 1 / -1; color: var(--navy-soft); font-size: var(--fs-small); }
.de { font-style: italic; color: var(--navy-soft); font-weight: 400; }

/* tax flow */
.tf-inputs { display: grid; gap: 16px; }
@media (min-width: 900px) { .tf-inputs { grid-template-columns: repeat(3, 1fr); } }
.tf-steps { list-style: none; padding: 0; display: grid; gap: 6px; counter-reset: tf; }
.tf-row { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; padding: 10px 12px; border-radius: var(--radius-s); background: var(--bg); align-items: center; }
@media (min-width: 768px) { .tf-row { grid-template-columns: 1.3fr 1.2fr 7.5rem; } }
.tf-l { display: grid; gap: 2px; } .tf-l b { color: var(--navy); font-size: .95rem; } .tf-l span { font-size: var(--fs-xs); color: var(--navy-soft); }
.tf-track { grid-column: 1 / -1; height: 10px; background: var(--white); border-radius: 99px; overflow: hidden; order: 3; }
@media (min-width: 768px) { .tf-track { grid-column: auto; order: 0; } }
.tf-track i { display: block; height: 100%; width: 0; background: var(--navy-soft); border-radius: 99px; transition: width var(--t-med) var(--ease); }
.tf-row.base .tf-track i { background: var(--navy); }
.tf-row.minus .tf-track i { background: var(--sage); }
.tf-row.mid .tf-track i { background: var(--gold); }
.tf-row.tax .tf-track i { background: #B4775F; }
.tf-row.keep { background: var(--sage-tint); } .tf-row.keep .tf-track i { background: var(--sage-ink); }
.tf-v { text-align: right; font-variant-numeric: tabular-nums; color: var(--navy); }
.tf-row.minus .tf-v { color: var(--sage-ink); }
.tf-say { font-weight: 600; color: var(--navy); }

/* ETF basket */
.bk-stage { display: grid; grid-template-columns: 1fr 1.6fr 1fr; gap: 12px; align-items: end; }
.bk-pile { display: grid; gap: 6px; justify-items: center; text-align: center; }
.bk-name { font-size: var(--fs-xs); font-weight: 700; color: var(--navy-soft); }
.bk-col { width: 48px; height: 140px; background: var(--bg); border-radius: var(--radius-xs); display: flex; align-items: flex-end; overflow: hidden; }
.bk-col i { display: block; width: 100%; height: 50%; background: var(--navy); transition: height var(--t-med) var(--ease); }
.bk-pile:last-child .bk-col i { background: var(--sage-ink); }
.bk-pile b { font-variant-numeric: tabular-nums; color: var(--navy); }
.bk-mid { display: grid; gap: 6px; justify-items: center; text-align: center; }
.bk-grid { display: grid; grid-template-columns: repeat(10, 1fr); gap: 3px; width: 100%; max-width: 220px; }
.bk-t { aspect-ratio: 1; border-radius: var(--radius-pill); background: var(--sage); transition: background var(--t-med), opacity var(--t-med), transform var(--t-med); }
.bk-t:nth-child(3n) { background: #A9C7B6; } .bk-t:nth-child(7n) { background: var(--navy-soft); }
.bk-t.down { background: #B4775F !important; transform: scale(.7); }
.bk-t.up { background: var(--gold) !important; transform: scale(1.25); }
.bk-t.dim { opacity: .55; }
.bk-actions .btn[aria-pressed="true"] { background: var(--navy); color: var(--on-navy); }
.bk-say { min-height: 3.2em; font-weight: 500; color: var(--navy); }

/* follow your money */
.fm-track { position: relative; }
.fm-steps { list-style: none; padding: 0; display: grid; gap: 6px; }
@media (min-width: 1100px) { .fm-steps { grid-template-columns: repeat(5, minmax(0, 1fr)); } }
.fm-step b { overflow-wrap: anywhere; }
.fm-step { width: 100%; min-height: 64px; display: grid; grid-template-columns: auto 1fr; gap: 0 10px; align-items: center; text-align: left; padding: 10px 12px; border: 1px solid var(--rule); background: var(--bg); border-radius: var(--radius-s); cursor: pointer; font: 600 .86rem/1.25 var(--sans); color: var(--navy); }
.fm-step span[lang] { grid-column: 2; font-weight: 400; font-style: italic; font-size: var(--fs-xs); color: var(--navy-soft); }
.fm-n { grid-row: span 2; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--white); border: 1px solid var(--stone); font-size: .78rem; }
.fm-step.done .fm-n { background: var(--sage); border-color: var(--sage); }
.fm-step[aria-current="step"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.fm-step[aria-current="step"] span[lang] { color: var(--on-navy-muted); }
.fm-step[aria-current="step"] .fm-n { background: var(--gold); border-color: var(--gold); color: var(--navy-deep); }
.fm-dot { display: none; }
@media (min-width: 1100px) {
  .fm-dot { display: block; position: absolute; top: -14px; left: calc(10% + var(--at, 0) * 80%); width: 18px; height: 18px; margin-left: -9px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px var(--gold-tint); transition: left 400ms var(--ease); }
  .lesson-follow { padding-top: 40px; }
}
.fm-panel { background: var(--bg); border-radius: var(--radius-s); padding: 16px 18px; display: grid; gap: 8px; }
.fm-panel h4 { font: 650 1.05rem/1.3 var(--sans); color: var(--navy); }
.fm-protect { font-size: var(--fs-small); color: var(--navy-soft); }
.fm-step:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }

/* retirement timeline */
.rt-inputs { display: grid; gap: 16px; }
@media (min-width: 768px) { .rt-inputs { grid-template-columns: 1fr 1fr; } }
.rt-line { position: relative; height: 56px; margin: 6px 12px 4px; border-top: 3px solid var(--navy); }
.rt-mark { position: absolute; top: -9px; transform: translateX(-50%); font-size: .72rem; font-weight: 650; color: var(--navy-soft); white-space: nowrap; padding-top: 18px; }
.rt-mark::before { content: ""; position: absolute; top: 0; left: 50%; width: 14px; height: 14px; margin-left: -7px; border-radius: 50%; background: var(--white); border: 3px solid var(--navy); }
.rt-now { transform: none; left: 0; } .rt-now::before { left: 0; margin-left: -4px; background: var(--gold); border-color: var(--gold); }
.rt-end { transform: translateX(-100%); } .rt-end::before { left: auto; right: -4px; background: var(--sage); border-color: var(--sage-ink); }
.rt-mark:not(.rt-now):not(.rt-end) { padding-top: 24px; white-space: normal; max-width: 9rem; text-align: center; }
@media (max-width: 560px) { .rt-mark:not(.rt-now):not(.rt-end) { display: none; } }
.rt-scen { list-style: none; padding: 0; display: grid; gap: 8px; }
.rt-scen li { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; align-items: center; }
@media (min-width: 768px) { .rt-scen li { grid-template-columns: 13rem 1fr 7rem; } }
.rt-scen small { display: block; color: var(--navy-soft); font-size: var(--fs-xs); }
.rt-track { grid-column: 1 / -1; height: 12px; border-radius: 99px; background: var(--bg); overflow: hidden; order: 3; }
@media (min-width: 768px) { .rt-track { grid-column: auto; order: 0; } }
.rt-track i { display: block; height: 100%; background: var(--sage); border-radius: 99px; transition: width var(--t-med) var(--ease); }
.rt-scen li:nth-child(2) .rt-track i { background: var(--sage-ink); } .rt-scen li:nth-child(3) .rt-track i { background: var(--navy); }
.rt-scen b { text-align: right; color: var(--navy); font-variant-numeric: tabular-nums; }

/* word cards */
.words { list-style: none; padding: 0; display: grid; gap: 8px; }
@media (min-width: 640px) { .words { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .words { grid-template-columns: repeat(3, 1fr); } }
.word { background: var(--white); border: 1px solid var(--rule); border-radius: var(--radius-m); overflow: hidden; }
.word button { width: 100%; text-align: left; border: 0; background: transparent; padding: 14px 44px 14px 16px; display: grid; gap: 2px; cursor: pointer; position: relative; font: inherit; color: inherit; min-height: 64px; }
.word b { font: 500 1.2rem/1.2 var(--serif); color: var(--navy); overflow-wrap: anywhere; hyphens: auto; }
.w-lit { font-size: var(--fs-xs); color: var(--sage-ink); font-style: italic; }
.w-plus { position: absolute; right: 14px; top: 18px; width: 22px; height: 22px; border-radius: 50%; border: 1.5px solid var(--navy); }
.w-plus::before, .w-plus::after { content: ""; position: absolute; left: 4px; right: 4px; top: 9px; height: 1.5px; background: var(--navy); }
.w-plus::after { transform: rotate(90deg); transition: transform var(--t-fast); }
.word.open .w-plus::after { transform: rotate(0); }
.w-mean { display: none; padding: 0 16px 14px; font-size: var(--fs-small); color: var(--charcoal); }
.word.open .w-mean { display: block; }
.word button:focus-visible { outline: 3px solid var(--focus); outline-offset: -3px; }
.words-search { max-width: 420px; }

/* start-here paths (tabs) */
.paths { display: grid; gap: 16px; }
.path-tabs { display: flex; gap: 6px; overflow-x: auto; padding-bottom: 4px; scrollbar-width: thin; }
.path-tabs [role="tab"] { flex: none; max-width: 15rem; min-height: 48px; padding: 10px 14px; border: 1px solid var(--stone); border-radius: var(--radius-m); background: var(--white); font: 650 .9rem/1.3 var(--sans); color: var(--navy); text-align: left; cursor: pointer; }
.path-tabs [role="tab"][aria-selected="true"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.path-tabs [role="tab"]:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }
@media (min-width: 1024px) { .path-tabs { flex-wrap: wrap; overflow: visible; } }
.path-panel { display: grid; gap: 12px; }
.path-panel:focus-visible { outline: 3px solid var(--focus); outline-offset: 4px; }
.pp-q { font: 500 clamp(1.4rem, 1.1rem + 1.2vw, 1.9rem)/1.2 var(--serif); color: var(--navy); }
.pp-intro { color: var(--navy-soft); max-width: 62ch; }
.path-steps { list-style: none; padding: 0; display: grid; gap: 10px; counter-reset: ps; }
@media (min-width: 900px) { .path-steps { grid-template-columns: repeat(3, 1fr); } }
.path-steps a { height: 100%; display: grid; grid-template-columns: auto 1fr; gap: 2px 12px; padding: 16px; border-radius: var(--radius-m); border: 1px solid var(--rule); background: var(--white); text-decoration: none; color: var(--charcoal); transition: border-color var(--t-fast), transform var(--t-fast) var(--ease); }
.path-steps a:hover { border-color: var(--navy); }
@media (prefers-reduced-motion: no-preference) { .path-steps a:hover { transform: translateY(-2px); } }
.ps-n { grid-row: span 3; width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: var(--sage-tint); color: var(--sage-ink); font-weight: 700; }
.path-steps li:nth-child(2) .ps-n { background: var(--gold-tint); color: var(--gold-ink); }
.path-steps li:nth-child(3) .ps-n { background: var(--navy); color: var(--on-navy); }
.ps-verb { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.path-steps b { color: var(--navy); font-size: 1rem; line-height: 1.3; }
.ps-d { font-size: var(--fs-small); color: var(--navy-soft); }

/* home: new hero + blocks */
.hero-v4 h1 { max-width: 17ch; }
.hero-v4 .lead b { color: var(--navy); font-weight: 650; }
.word-day { position: absolute; left: -12px; bottom: 28px; max-width: 290px; background: var(--white); border: 1px solid var(--rule); border-left: 3px solid var(--gold); border-radius: var(--radius-m); padding: 12px 14px; box-shadow: var(--shadow-pop); display: grid; gap: 3px; }
.word-day .k { font: 700 .66rem/1.2 var(--sans); letter-spacing: 0; color: var(--gold-ink); }
.word-day b { font: 500 1.25rem/1.15 var(--serif); color: var(--navy); }
.word-day i { font-size: var(--fs-xs); color: var(--sage-ink); }
.word-day p { font-size: var(--fs-small); line-height: 1.45; }
.word-day .src { font-size: .7rem; color: var(--navy-soft); }
@media (max-width: 640px) { .word-day { position: static; margin-top: -24px; margin-inline: 12px; max-width: none; } }
.three-ways { display: grid; gap: 12px; }
@media (min-width: 768px) { .three-ways { grid-template-columns: repeat(3, 1fr); } }
.way { display: grid; gap: 6px; padding: 18px; border-radius: var(--radius-m); background: var(--white); border: 1px solid var(--rule); }
.way .ps-n { grid-row: auto; }
.way h3 { font-size: 1.1rem; }
.topic-cards { list-style: none; padding: 0; display: grid; gap: 10px; }
@media (min-width: 640px) { .topic-cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .topic-cards { grid-template-columns: repeat(5, 1fr); } }
.topic-cards a { height: 100%; display: grid; gap: 8px; align-content: start; padding: 18px; border: 1px solid var(--rule); border-radius: var(--radius-m); background: var(--white); text-decoration: none; color: var(--charcoal); }
.topic-cards a:hover { border-color: var(--navy); }
.topic-cards b { font: 500 1.2rem/1.2 var(--serif); color: var(--navy); }
.topic-cards span { font-size: var(--fs-small); color: var(--navy-soft); }
.topic-cards .t-fig { width: 72px; height: 42px; }
.topic-cards .xs { color: var(--sage-ink); font-weight: 650; }
.duo { display: grid; gap: 20px; }
@media (min-width: 768px) { .duo { grid-template-columns: 1fr 1fr; } }
.duo-p { display: grid; grid-template-columns: 96px 1fr; gap: 14px; align-items: start; }
.duo-p img { width: 96px; height: 120px; object-fit: cover; border-radius: var(--radius-s); }
.duo-p .role { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.duo-p h3 { font: 500 1.35rem/1.2 var(--serif); }
.promise { list-style: none; padding: 0; display: grid; gap: 8px; }
.promise li { padding-left: 26px; position: relative; }
.promise li::before { content: ""; position: absolute; left: 2px; top: .55em; width: 12px; height: 7px; border-left: 2px solid var(--sage-ink); border-bottom: 2px solid var(--sage-ink); transform: rotate(-45deg); }
.play-band .split { align-items: center; }
.start-steps { list-style: none; padding: 0; display: grid; gap: 10px; counter-reset: st; }
.start-steps li a { display: grid; grid-template-columns: auto 1fr auto; gap: 2px 16px; align-items: center; padding: 16px 18px; border-radius: var(--radius-m); background: var(--white); border: 1px solid var(--rule); text-decoration: none; color: var(--charcoal); }
.start-steps li a:hover { border-color: var(--navy); }
.start-steps .sn { grid-row: span 2; width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: var(--on-navy); font: 600 1.05rem var(--serif); }
.start-steps b { color: var(--navy); font-size: 1.05rem; }
.start-steps .sd { font-size: var(--fs-small); color: var(--navy-soft); grid-column: 2; }
.start-steps .st { grid-row: span 2; grid-column: 3; font-size: var(--fs-xs); color: var(--sage-ink); font-weight: 650; white-space: nowrap; }
@media (max-width: 520px) { .start-steps .st { grid-column: 2; grid-row: auto; } }
.fit-list { list-style: none; padding: 0; display: grid; gap: 10px; }
@media (min-width: 768px) { .fit-list { grid-template-columns: repeat(3, 1fr); } }
.fit-list li { background: var(--white); border: 1px solid var(--rule); border-radius: var(--radius-m); padding: 16px; display: grid; gap: 4px; }
.fit-list b { color: var(--navy); }
.advanced { border: 1px solid var(--rule); border-radius: var(--radius-s); background: var(--bg); }
.advanced > summary { cursor: pointer; padding: 12px 14px; font-weight: 650; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 12px; min-height: 48px; align-items: center; }
.advanced > summary::-webkit-details-marker { display: none; }
.advanced > summary::after { content: "Show"; font-size: var(--fs-xs); color: var(--sage-ink); font-weight: 700; letter-spacing: 0; }
.advanced[open] > summary::after { content: "Hide"; }
.advanced > summary span { font-weight: 400; font-size: var(--fs-small); color: var(--navy-soft); }
.advanced > .adv-body { padding: 4px 14px 16px; display: grid; gap: 18px; }
.tool-intro { display: grid; gap: 6px; padding: 14px 16px; border-radius: var(--radius-m); background: var(--white); border: 1px solid var(--rule); margin-top: 18px; max-width: 760px; }
.tool-intro .k { font: 700 var(--fs-xs)/1.3 var(--sans); letter-spacing: 0; color: var(--sage-ink); }
.say { font-weight: 600; color: var(--navy); background: var(--sage-tint); padding: 10px 14px; border-radius: var(--radius-s); }
.band-navy .lesson .field label, .band-navy .lesson .field .label { color: var(--navy); }
.band-navy .lesson .hint { color: var(--navy-soft); }
.calc-results > * { min-width: 0; }
@media (max-width: 640px) {
  .word-day { margin-top: 12px; }
  .ls-seg { min-width: 98px; }
  .ls-seg[data-seg="net"] { min-width: 110px; }
}

/* =====================================================================================
   Theme v7 (27 Oct 2026) · one consolidated layer, replacing the v5 and v6 overrides.
   Calm base, visible card borders, Manrope headings, teal for every action,
   mint and sun as the only supporting accents, category colour only as small markers.
   ===================================================================================== */

/* ---- Base ---- */
body { background: var(--paper); color: var(--ink); }
h1, h2, h3, h4 { color: var(--ink); }
h1 { line-height: 1.08; }
h2 { line-height: 1.15; }
h3 { font-family: var(--sans); font-weight: 700; letter-spacing: -.01em; }
a { color: var(--teal-deep); }
::selection { background: var(--sun); color: var(--ink); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: var(--radius-xs); }

/* labels: sentence case, readable, no tracking */
.eyebrow { font: 650 .92rem/1.3 var(--sans); letter-spacing: 0; color: var(--teal-deep); }
.summary h2, .summary h3, .sources h2, .sources h3, .toc h2, .label-h, .site-footer h2, .cc-k, .cf-k, .dn-k,
.ps-verb, .scenario-cell h4, .compare-table .row.head, .decoder-panel .role, .duo-p .role, .tool-intro .k, .level-n,
.block-label .lvl, .sit-label, .word-day .k, .mobile-nav .m-label, .quick-note .q, .dg-pillars .lvl {
  font-family: var(--sans); font-size: .9rem; font-weight: 700; letter-spacing: 0; }
.toc h2 { color: var(--ink); }
.advanced > summary::after { letter-spacing: 0; font-size: .82rem; }

/* ---- Sections: two backdrops only (paper and white), separated by a hairline ---- */
.band-white { background: var(--surface); border-block: 1px solid var(--line-soft); }
.band-ivory, .band-navy { background: var(--surface-2); color: var(--ink); border-block: 1px solid var(--line-soft); }
.band-navy h1, .band-navy h2, .band-navy h3, .band-navy a:not(.btn), .band-navy .arrow, .band-navy .eyebrow { color: var(--ink); }
.band-navy .lead, .band-navy .muted { color: var(--ink-soft); }
.page-head, .article-head { border-bottom: 1px solid var(--line-soft); }

/* ---- Buttons and controls: teal is the only action colour ---- */
.btn { border-radius: var(--radius-s); font-weight: 650; transition: background-color var(--t-fast) ease, border-color var(--t-fast) ease, color var(--t-fast) ease, transform var(--t-fast) var(--ease); }
.btn:active { transform: scale(.97); }
.btn-primary, .band-navy .btn-primary { background: var(--teal); border-color: var(--teal); color: #fff; }
.btn-primary:hover, .band-navy .btn-primary:hover { background: var(--teal-deep); border-color: var(--teal-deep); color: #fff; }
.btn-ghost, .band-navy .btn-ghost { background: var(--surface); border: 1.5px solid var(--ink-soft); color: var(--ink); }
.btn-ghost:hover, .band-navy .btn-ghost:hover { border-color: var(--teal); color: var(--teal-deep); background: var(--teal-wash); }
.arrow { color: var(--teal-deep); }
.choice button { border-radius: 10px; }
.choice button[aria-pressed="true"] { background: var(--teal); border-color: var(--teal); color: #fff; }
.numbox, .select, .input { border-radius: var(--radius-s); border-color: var(--line); }
.numbox:focus-within, .select:focus, .input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(23, 111, 115, .2); }
input[type="range"]::-webkit-slider-thumb { background: var(--teal); }
input[type="range"]::-moz-range-thumb { background: var(--teal); }

/* ---- Tags: small pills, two accent roles ---- */
.tag { border-radius: var(--radius-pill); padding: 3px 10px; font: 650 .76rem/1.35 var(--sans); letter-spacing: 0; }
.tag-official, .tag-live { background: var(--mint); color: var(--teal-deep); }
.tag-example { background: var(--sun-wash); color: var(--gold-ink); }
.tag-partner { background: var(--surface); color: var(--ink); border-color: var(--line); }
.vbadge { letter-spacing: 0; font-weight: 600; font-size: .78rem; background: var(--surface); border-color: var(--line); }

/* ---- Header: current page = tinted pill + underline (not colour alone) ---- */
.site-header { background: rgba(251, 250, 247, .95); border-bottom: 1px solid var(--line-soft); }
.nav a, .nav button.nav-trigger { border-radius: 10px; padding: 0 14px; font-weight: 600; color: var(--ink); }
.nav a:hover { background: var(--surface-2); color: var(--ink); }
.nav [aria-current="page"] { background: var(--teal-wash); color: var(--teal-deep); box-shadow: inset 0 -2px 0 var(--teal); }
.menu-btn { border-radius: var(--radius-s); }

/* ---- Cards: white, 1px neutral border, one radius ---- */
.lesson, .calc, .concept-card, .scenario, .official, .partner, .dg, .table-wrap, .quiz, .nerdy,
.lib-item a, .guide-card a, .tool-row, .path-steps a, .word, .fit-list li, .start-steps li a, .topic-cards a, .way,
.related-card, .next-step, .side-note, .person .portrait .frame, .video-list li, .cta-tool, .dnote {
  border: 1px solid var(--line); border-radius: var(--radius-m); background: var(--surface); }
.lesson, .calc { border-radius: var(--radius-l); }
.lib-item a, .guide-card a, .tool-row, .path-steps a, .start-steps li a, .topic-cards a, .next-step {
  transition: border-color var(--t-fast) ease, box-shadow var(--t-fast) ease; }
@media (hover: hover) and (pointer: fine) {
  .lib-item a:hover, .guide-card a:hover, .tool-row:hover, .path-steps a:hover, .start-steps li a:hover, .topic-cards a:hover, .next-step:hover {
    border-color: var(--teal); box-shadow: var(--shadow-pop); background: var(--surface); }
}
.calc-inputs { background: var(--surface-2); }
.concept-card { box-shadow: none; }
.cc-term { background: var(--surface-2); border-left: 1px solid var(--line); }
.cc-lit { color: var(--ink-soft); }
.quiz { background: var(--surface); }
.nerdy { border-style: dashed; border-color: var(--ink-soft); background: transparent; }

/* single educational highlight: the short answer */
.summary { border: 1px solid #B9DFCC; background: var(--mint); border-radius: var(--radius-m); }
.summary h2, .summary h3 { color: var(--teal-deep); }
/* attention: mix-ups, examples, tool prompts */
.confusion { background: var(--sun-wash); border: 1px solid #EAD89C; border-radius: var(--radius-m); }
.cta-tool { background: var(--sun-wash); border-color: #EAD89C; }
.callout { border: 1px solid #EAD89C; border-radius: var(--radius-m); background: var(--sun-wash); }
/* practical note: neutral card with a teal edge */
.dnote { border-left: 4px solid var(--teal); }
.dn-mark { background: var(--teal); border-radius: 6px; }
.next-step { background: var(--surface); }

/* data viz keeps its colours */
.ls-seg[data-seg="tax"] { background: var(--ink); color: #fff; }
.ls-seg[data-seg="social"] { background: var(--sun); }
.tf-row.tax .tf-track i { background: var(--coral); }
.bk-t.down { background: var(--coral) !important; }
.portrait .frame { border-radius: var(--radius-l); overflow: hidden; }

/* ---- Footer: quiet neutral surface ---- */
.site-footer { background: var(--surface-2); color: var(--ink); border-top: 1px solid var(--line-soft); }
.site-footer h2 { color: var(--ink); font-size: .95rem; }
.site-footer ul a { color: var(--ink-soft); }
.site-footer ul a:hover { color: var(--teal-deep); }
.site-footer p, .footer-legal { color: var(--ink-soft); }
.footer-legal { border-top-color: var(--line-soft); }

/* ---- Category markers: colour lives in small details, never on whole surfaces ---- */
[data-tone="sun"]   { --cat: #D9A520; --cat-wash: #FBF1D3; --cat-ink: #8A5F0E; }
[data-tone="mint"]  { --cat: #3F9E7E; --cat-wash: #DDF1E7; --cat-ink: #0F5559; }
[data-tone="sky"]   { --cat: #4F86BA; --cat-wash: #E1ECF7; --cat-ink: #1F5F97; }
[data-tone="lilac"] { --cat: #8571BE; --cat-wash: #ECE8F7; --cat-ink: #5A4A9C; }
[data-tone="coral"] { --cat: #D9775C; --cat-wash: #F9E4DC; --cat-ink: #A3442B; }
.cat-ic { width: 48px; height: 48px; flex: none; border-radius: 14px; background: var(--cat-wash); display: grid; place-items: center; }
.cat-ic svg { width: 30px; height: 30px; }

/* =====================================================================================
   Homepage
   ===================================================================================== */
.hero6 { padding-block: 44px 56px; }
@media (min-width: 900px) { .hero6 { padding-block: 72px 80px; } }
.hero6-grid { display: grid; gap: 36px; align-items: center; }
@media (min-width: 900px) { .hero6-grid { grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr); gap: 64px; } }
.hero6 h1 { margin-top: 14px; max-width: 16ch; font-size: clamp(2.3rem, 1.5rem + 3.2vw, 3.8rem); }
.hero6 h1 em { display: block; font-family: var(--accent-serif); font-style: italic; font-weight: 500; color: var(--teal-deep); letter-spacing: -.01em; }
.hero6 .lead { margin-top: 18px; max-width: 46ch; color: var(--ink); }
.hero6 .cluster { margin-top: 26px; }
.hero6-note { margin-top: 16px; font-size: .92rem; color: var(--ink-soft); }
.hero6-photo { margin: 0; width: 100%; max-width: 420px; justify-self: center; }
@media (min-width: 900px) { .hero6-photo { justify-self: end; } }
.hero6-photo .ph { border-radius: var(--radius-l); overflow: hidden; border: 1px solid var(--line); background: #EEF3F6; aspect-ratio: 4 / 5; }
.hero6-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; }
.hero6-photo figcaption { margin-top: 10px; font-size: .88rem; color: var(--ink-soft); }
@media (max-width: 899px) { .hero6-photo { max-width: 340px; } }

.areas { padding-block: var(--section); }
.areas-head { display: flex; flex-wrap: wrap; gap: 14px 24px; align-items: end; justify-content: space-between; margin-bottom: 24px; }
.areas-head h2 { max-width: 20ch; }
.areas-head p { margin-top: 8px; color: var(--ink-soft); }
.area-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
@media (min-width: 1100px) { .area-list { grid-template-columns: repeat(5, minmax(0, 1fr)); } }
.area { height: 100%; display: grid; grid-template-rows: auto auto 1fr auto; gap: 8px; padding: 18px; border: 1px solid var(--line); border-radius: var(--radius-m); background: var(--surface); text-decoration: none; color: var(--ink); box-shadow: inset 0 3px 0 var(--cat); transition: border-color var(--t-fast) ease, box-shadow var(--t-fast) ease; }
@media (hover: hover) and (pointer: fine) { .area:hover { border-color: var(--teal); box-shadow: inset 0 3px 0 var(--cat), var(--shadow-pop); } }
.area .cat-ic { margin-bottom: 4px; }
.area b { font: 700 1.08rem/1.25 var(--sans); color: var(--ink); }
.area .desc { font-size: .92rem; line-height: 1.45; color: var(--ink-soft); }
.area .foot { display: flex; justify-content: space-between; align-items: center; padding-top: 10px; border-top: 1px solid var(--line-soft); font-size: .85rem; font-weight: 700; color: var(--cat-ink); }
.area .foot span:last-child { color: var(--teal-deep); }
@media (max-width: 1099px) {
  .area { grid-template-columns: auto 1fr; grid-template-rows: auto; align-items: start; column-gap: 14px; }
  .area .cat-ic { grid-row: span 3; margin: 0; }
  .area b, .area .desc, .area .foot { grid-column: 2; }
}
.areas-foot { margin-top: 18px; display: flex; flex-wrap: wrap; gap: 6px 16px; align-items: center; color: var(--ink-soft); }

.daniels { padding-block: var(--section); background: var(--surface); border-block: 1px solid var(--line-soft); }
.daniels-grid { display: grid; gap: 36px; align-items: center; }
@media (min-width: 900px) { .daniels-grid { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 64px; } }
.duo-photos { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; max-width: 460px; }
.duo-photos figure { margin: 0; }
.duo-photos .ph { border-radius: var(--radius-m); overflow: hidden; aspect-ratio: 4 / 5; border: 1px solid var(--line); background: #EEF3F6; }
.duo-photos img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 15%; }
.duo-photos figcaption { margin-top: 10px; display: grid; gap: 2px; }
.duo-photos figcaption b { font: 700 1rem/1.25 var(--sans); color: var(--ink); }
.duo-photos figcaption span { font-size: .88rem; color: var(--teal-deep); font-weight: 600; }
.daniels-copy { display: grid; gap: 14px; max-width: 58ch; }
.daniels-copy .fine { font-size: .94rem; color: var(--ink-soft); padding: 12px 16px; border-radius: var(--radius-s); background: var(--surface-2); border: 1px solid var(--line-soft); }

.webinar { padding-block: var(--section); }
.webinar-card { display: grid; grid-template-columns: auto 1fr; gap: 12px 18px; align-items: center; max-width: 900px; margin-inline: auto; padding: 20px 22px; border: 1px solid var(--line); border-radius: var(--radius-m); background: var(--surface); }
@media (min-width: 760px) { .webinar-card { grid-template-columns: auto 1fr auto; } }
.webinar-card .cat-ic { background: var(--sun-wash); }
.webinar-card h2 { font-size: 1.2rem; line-height: 1.3; }
.webinar-card p { margin-top: 4px; color: var(--ink); font-size: .96rem; }
.webinar-card .small { color: var(--ink-soft); font-size: .84rem; }
.webinar-card .btn { grid-column: 1 / -1; justify-self: start; }
@media (min-width: 760px) { .webinar-card .btn { grid-column: auto; } }

/* =====================================================================================
   Learn and Tools: each topic is a section with a divider, a marker and white cards
   ===================================================================================== */
.lib-group { margin-top: 36px; padding-top: 28px; border-top: 1px solid var(--line); }
.lib-head { display: flex; flex-wrap: wrap; gap: 12px 16px; align-items: center; margin-bottom: 16px; }
.lib-head > div { flex: 1 1 260px; }
.lib-head h2 { font-size: clamp(1.35rem, 1.1rem + .8vw, 1.7rem); margin: 0; }
.lib-head h2 a { color: var(--ink); text-decoration: none; }
.lib-head h2 a:hover { text-decoration: underline; text-underline-offset: 4px; }
.lib-head p { margin-top: 2px; font-size: .92rem; color: var(--cat-ink); font-weight: 600; }
.lib-open { display: inline-flex; align-items: center; gap: 8px; min-height: 40px; padding: 0 14px; border-radius: var(--radius-s); border: 1px solid var(--line); background: var(--surface); color: var(--ink); font-weight: 650; font-size: .92rem; text-decoration: none; }
.lib-open::after { content: "→"; color: var(--teal-deep); }
.lib-open:hover { border-color: var(--teal); color: var(--teal-deep); }
.lib-list { display: grid; gap: 12px; margin: 0; border-top: 0; }
@media (min-width: 760px) { .lib-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.lib-item, .guide-card, .tool-list-light li { border-bottom: 0; }
.lib-item a, .guide-card a { height: 100%; padding: 18px 20px; box-shadow: inset 3px 0 0 var(--cat, var(--line)); }
.lib-item b, .guide-card b { font: 700 1.08rem/1.3 var(--sans); color: var(--ink); }
.lib-item span.xs, .guide-card span.xs { color: var(--teal-deep); }
.guide-grid { border-top: 0; gap: 12px; }

.tool-group { padding-top: 24px; border-top: 1px solid var(--line); }
.tool-group:first-child { border-top: 0; padding-top: 0; }
.tool-group + .tool-group { margin-top: 32px; }
.tool-group h2 { margin-bottom: 12px; display: flex; align-items: center; gap: 10px; }
.tool-group h2::before { content: ""; width: 10px; height: 10px; border-radius: 50%; background: var(--cat); flex: none; }
.tool-list-light { display: grid; gap: 10px; border-top: 0; margin: 0; }
.tool-row { padding: 16px 18px; border-left: 4px solid var(--cat, var(--line)); }
.tool-row:hover { background: var(--surface); }
.side-note { background: var(--surface); }

/* ---- small screens ---- */
@media (max-width: 400px) {
  .lesson { padding: 16px; }
  .ls-seg { min-width: 80px; padding: 8px; font-size: .72rem; }
  .ls-seg[data-seg="net"] { min-width: 92px; }
  .ls-seg b { font-size: .85rem; }
}
@media (max-width: 759px) { .advanced > summary { display: grid; grid-template-columns: 1fr auto; } .advanced > summary span { grid-column: 1; grid-row: 2; } }
.calc-results > * { min-width: 0; }
@media (max-width: 640px) { .ls-seg { min-width: 98px; } .ls-seg[data-seg="net"] { min-width: 110px; } }
@media (max-width: 400px) { .ls-seg { min-width: 80px; } .ls-seg[data-seg="net"] { min-width: 92px; } }
.advanced { border-radius: var(--radius-m); border-color: var(--line); background: var(--surface-2); }
.advanced > summary { display: grid; grid-template-columns: 1fr auto; gap: 2px 12px; }
.advanced > summary span { grid-column: 1; grid-row: 2; }
.advanced > summary::after { grid-column: 2; grid-row: 1 / span 2; align-self: center; }
.page-head .split > div:last-child, .tool-head .tool-art { justify-self: end; }
.page-head .lead + .small, .page-head .lead + p { margin-top: 12px; }
.tool-art img { max-width: 280px; }
@media (max-width: 759px) { .webinar-card { grid-template-columns: 1fr; } }

/* ---- Spacing and component repairs (Nov 2026) ---- */
/* diagrams and calculators keep their own margin-reset, but never touch the block above them */
.flow > * + .dg, .flow-lg > * + .dg, .calc + .dg, .summary + .dg, .summary + figure { margin-top: var(--s5); }
/* summary text: readable, not display-sized */
.summary p, .summary li { font: 400 1rem/1.6 var(--sans); color: var(--ink); }
@media (min-width: 1024px) { .summary p { font-size: 1.05rem; } }
/* one card level inside diagrams: steps get a quiet fill, no extra borders */
.dg-flow li { border: 0; background: var(--surface-2); }
.dg-three > div { background: var(--surface-2); }
.nd-toc li { padding: 3px 10px; }
/* section headings never sit on the card below */
.sub-h + .guide-grid, .sub-h + .lib-list, .sub-h + .related, .sub-h + ul, h2 + .guide-grid { margin-top: var(--s4); }
.start-here + h2, .next-step + h2 { margin-top: var(--s6); }

/* video library: each lesson is a padded card, the badge sits on its own row on small screens */
.video-group + .video-group { margin-top: var(--s7); }
.video-group h2 { margin-bottom: var(--s4); }
.video-list { border-top: 0; gap: 12px; }
.video-list li { display: grid; gap: 8px; padding: 16px 20px; border: 1px solid var(--line); border-radius: var(--radius-m); background: var(--surface); justify-content: stretch; }
.video-list li > a:first-child { font-weight: 650; color: var(--ink); text-decoration: none; line-height: 1.35; }
.video-list li > a:first-child:hover { color: var(--teal-deep); text-decoration: underline; text-underline-offset: 3px; }
.video-list .vbadge { justify-self: start; white-space: nowrap; font-size: .78rem; padding: 2px 10px; }
@media (min-width: 760px) {
  .video-list li { grid-template-columns: minmax(0, 1fr) auto; align-items: center; padding: 18px 24px; }
}
/* cards: comfortable padding everywhere */
@media (min-width: 1024px) { .lib-item a, .guide-card a { padding: 22px 24px; } .lesson { padding: 28px; } }
/* long German compounds wrap instead of overflowing */
h1, h2, h3, .cc-term b, .word b, .lib-item b, .guide-card b, .area b { overflow-wrap: break-word; hyphens: auto; }
html[lang] { hyphenate-limit-chars: 10 4 4; }

/* ---- Optional lead capture and privacy settings (Nov 2026) ---- */
.lead-box { display: grid; gap: var(--s4); padding: 20px; border: 1px solid var(--line); border-radius: var(--radius-l); background: var(--teal-wash); }
.lead-box .lead-intro { display: grid; gap: 4px; }
.lead-box .lead-intro p { margin: 0; font-size: 1rem; line-height: 1.55; color: var(--ink-soft); }
.lead-box .lead-intro .lead-title { font-weight: 700; color: var(--ink); font-size: 1.05rem; }
.lead-box .lead-toggle { justify-self: start; background: var(--surface); }
.lead-box .lead-form { padding-top: var(--s4); border-top: 1px solid var(--line); }
.lead-form { display: grid; gap: var(--s4); max-width: 640px; }
.lead-form[hidden] { display: none; }
.lead-card { padding: 20px; border: 1px solid var(--line); border-radius: var(--radius-l); background: var(--surface); max-width: none; }
.lead-form input[type="email"], .lead-form input[type="text"], .lead-form select, .lead-form textarea {
  width: 100%; min-height: 48px; padding: 10px 14px; border: 1px solid var(--line); border-radius: var(--radius-s); background: var(--surface);
  font: 500 1rem/1.5 var(--sans); color: var(--ink); }
.lead-form textarea { min-height: 140px; resize: vertical; }
.lead-form input:focus-visible, .lead-form select:focus-visible, .lead-form textarea:focus-visible { outline: 3px solid var(--focus); outline-offset: 1px; border-color: var(--teal); }
.lead-form .field label { color: var(--ink); font-size: .95rem; }
.lead-form .opt { font-weight: 450; color: var(--ink-soft); }
.lead-form .hint { margin: 0; font-size: .88rem; line-height: 1.5; color: var(--ink-soft); }
.lead-form .check { font-size: .92rem; line-height: 1.5; color: var(--ink); }
.lead-form .check input { accent-color: var(--teal); width: 20px; height: 20px; margin-top: 2px; }
.lead-notice { margin: 0; font-size: .86rem; line-height: 1.55; color: var(--ink-soft); }
.lead-form .btn-primary { justify-self: start; }
.lead-status { margin: 0; padding: 12px 14px; border-radius: var(--radius-s); background: var(--surface-2); font-size: .95rem; line-height: 1.5; }
.lead-status.is-ok { background: var(--mint); color: var(--teal-deep); }
.lead-status.is-error { background: var(--sun-wash); color: #6B4A00; border: 1px solid var(--sun); }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
@media (min-width: 760px) { .lead-box { grid-template-columns: minmax(0, 1fr) auto; align-items: center; padding: 24px 28px; } .lead-box .lead-form { grid-column: 1 / -1; } .lead-card { padding: 28px; } }

.checklist { list-style: none; counter-reset: ck; margin: 0; padding: 0; display: grid; gap: 12px; }
.checklist li { counter-increment: ck; position: relative; padding: 18px 20px 18px 64px; border: 1px solid var(--line); border-radius: var(--radius-m); background: var(--surface); display: grid; gap: 6px; }
.checklist li::before { content: counter(ck); position: absolute; left: 18px; top: 16px; width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: var(--teal-wash); color: var(--teal-deep); font-weight: 700; font-size: .95rem; }
.checklist b { font-size: 1.05rem; color: var(--ink); line-height: 1.35; }
.checklist p { margin: 0; font-size: 1rem; line-height: 1.6; color: var(--ink-soft); }
.checklist a { justify-self: start; font-weight: 650; color: var(--teal-deep); }
@media (min-width: 1024px) { .checklist li { padding: 22px 26px 22px 72px; } .checklist li::before { left: 24px; top: 20px; } }

.linklike { background: none; border: 0; padding: 0; font: inherit; color: inherit; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; text-align: left; }
.consent-dialog { width: min(560px, calc(100vw - 32px)); max-height: calc(100dvh - 32px); overflow: auto; padding: 24px; border: 1px solid var(--line); border-radius: var(--radius-l); background: var(--surface); color: var(--ink); box-shadow: 0 20px 60px rgba(36, 50, 58, .25); }
.consent-dialog::backdrop { background: rgba(36, 50, 58, .45); }
.consent-dialog h2 { font-size: 1.3rem; margin: 0; }
.consent-dialog p { margin: 0; font-size: 1rem; line-height: 1.6; }
.consent-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.consent-actions .btn { flex: 1 1 160px; }
.consent-banner { position: fixed; inset: auto 0 0 0; z-index: 60; padding: 16px 0; background: var(--surface); border-top: 1px solid var(--line); box-shadow: 0 -8px 30px rgba(36, 50, 58, .12); }
.consent-banner .wrap { display: grid; gap: 12px; }
.consent-banner p { margin: 0; font-size: .95rem; line-height: 1.55; }
.scenario-top { flex-wrap: wrap; row-gap: 8px; }
.scenario-who { min-width: 0; flex: 1 1 180px; }
.checklist a .arrow { margin-left: 4px; }

/* ---- Live video lessons (click to load) ---- */
.video-live .video-frame { background: var(--teal-deep); border-radius: var(--radius-m); }
.video-play { background: linear-gradient(160deg, var(--teal) 0%, var(--teal-deep) 100%); color: #fff; gap: 10px; }
.video-play .play-ic { justify-self: center; display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; background: #fff; color: var(--teal-deep); box-shadow: 0 6px 18px rgba(0,0,0,.2); transition: transform var(--t-fast) var(--ease); }
.video-play:hover .play-ic { transform: scale(1.06); }
.video-play .vt { font: 700 1.05rem/1.3 var(--sans); }
.video-play .xs { color: rgba(255,255,255,.85); font-size: .8rem; line-height: 1.45; max-width: 34ch; justify-self: center; }
.video-play:focus-visible { outline: 3px solid var(--sun); outline-offset: -3px; }
.video-live figcaption { font-size: .9rem; color: var(--ink-soft); }
.video-list li.video-ready { gap: 12px; }
.video-list li.video-ready .video { grid-column: 1 / -1; }
.video-list li.video-ready > a.small { grid-column: 1 / -1; justify-self: start; font-weight: 650; color: var(--teal-deep); }
.vbadge-live { background: var(--mint); color: var(--teal-deep); border-color: transparent; }
@media (max-width: 420px) { .video-play { gap: 6px; padding: 12px; } .video-play .xs { font-size: .74rem; } .video-play .play-ic { width: 44px; height: 44px; } .video-play .vt { font-size: .95rem; } }
.video-list li.video-ready .video { max-width: 760px; }

/* ---- B2B pages, form extras and print (Nov 2026) ---- */
.b2b-cards { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.b2b-cards li { padding: 20px; border: 1px solid var(--line); border-radius: var(--radius-m); background: var(--surface); display: grid; gap: 6px; }
.b2b-cards b { font-size: 1.05rem; line-height: 1.35; color: var(--ink); }
.b2b-cards p { margin: 0; font-size: 1rem; line-height: 1.6; color: var(--ink-soft); }
@media (min-width: 760px) { .b2b-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } .b2b-cards li { padding: 24px; } }
.note-box { padding: 18px 20px; border-radius: var(--radius-m); background: var(--teal-wash); border: 1px solid var(--line); }
.note-box p { margin: 0; font-size: 1rem; line-height: 1.6; }
.lead-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.lead-actions .btn { background: var(--surface); }
@media (min-width: 760px) { .lead-box .lead-actions { justify-content: flex-end; } }
fieldset.checks { border: 0; margin: 0; padding: 0; display: grid; gap: 10px; }
fieldset.checks legend { margin-bottom: 8px; font-weight: 600; font-size: .95rem; color: var(--ink); padding: 0; }

@media print {
  .site-header, .site-footer, .skip, .lead-box, .related, .sub-h, .consent-banner, .consent-dialog, .tool-tabs, .cluster, .btn, .mobile-nav, .webinar-card, video, iframe { display: none !important; }
  body, .band-white, .section { background: #fff !important; color: #000 !important; }
  .section, .page-head { padding: 12px 0 !important; }
  .panel[hidden] { display: none !important; }
  a { color: #000; text-decoration: none; }
  details:not([open]) > *:not(summary) { display: none; }
  .wrap { max-width: none; padding: 0 12mm; }
  @page { margin: 12mm; }
}
@media (min-width: 760px) { .b2b-cards li:last-child:nth-child(odd) { grid-column: 1 / -1; } }