/* ============================================
   LEDGERFOLK — Bloomberg-inspired editorial design
   Palette: near-black / white / red accent
   Display: Source Serif 4 | Body: Inter | Data: Roboto Mono
   ============================================ */

:root{
  --black: #0A0A0A;
  --ink: #1A1A1A;
  --gray-700: #3D3D3D;
  --gray-500: #6B6B6B;
  --gray-300: #9C9C9C;
  --gray-100: #E5E5E5;
  --gray-50: #F4F4F4;
  --white: #FFFFFF;
  --red: #C8102E;
  --red-dark: #8E0B20;
  --green: #0F7B3D;

  --serif: 'Source Serif 4', Georgia, 'Times New Roman', serif;
  --sans: 'Inter', -apple-system, 'Helvetica Neue', Arial, sans-serif;
  --mono: 'Roboto Mono', 'Courier New', monospace;
}

*{margin:0;padding:0;box-sizing:border-box;}

html{font-size:16px;-webkit-font-smoothing:antialiased;}

body{
  font-family:var(--sans);
  color:var(--ink);
  background:var(--white);
  line-height:1.5;
}

a{color:inherit;text-decoration:none;}

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

button{font-family:inherit;background:none;border:none;cursor:pointer;}

/* ============ TICKER BAR ============ */
.ticker-bar{
  background:var(--black);
  overflow:hidden;
  white-space:nowrap;
  border-bottom:1px solid #2A2A2A;
  height:34px;
  display:flex;
  align-items:center;
}

.ticker-track{
  display:inline-flex;
  align-items:center;
  white-space:nowrap;
  animation:ticker-scroll 55s linear infinite;
  will-change:transform;
}

.ticker-bar:hover .ticker-track{
  animation-play-state:paused;
}

@keyframes ticker-scroll{
  0%{transform:translateX(0);}
  100%{transform:translateX(-50%);}
}

.ticker-item{
  display:inline-flex;
  align-items:center;
  gap:6px;
  padding:0 18px;
  font-family:var(--mono);
  font-size:12px;
  color:var(--white);
  border-right:1px solid #2A2A2A;
}

.ticker-symbol{
  font-weight:500;
  color:var(--white);
}

.ticker-price{
  color:#D0D0D0;
}

.ticker-change{
  font-weight:500;
}

.ticker-change.up{color:#4ADE80;}
.ticker-change.down{color:#F87171;}

.ticker-change.up::before{content:"▲ ";font-size:9px;}
.ticker-change.down::before{content:"▼ ";font-size:9px;}

/* ============ HEADER ============ */
.site-header{
  background:var(--white);
  border-bottom:2px solid var(--black);
  position:sticky;
  top:0;
  z-index:100;
}

.header-inner{
  max-width:1280px;
  margin:0 auto;
  display:flex;
  align-items:center;
  padding:14px 24px;
  gap:32px;
}

.logo a{
  font-family:var(--serif);
  font-weight:700;
  font-size:26px;
  letter-spacing:-0.5px;
  color:var(--black);
}

.logo-accent{color:var(--red);}

.main-nav{
  display:flex;
  align-items:center;
  gap:24px;
  flex:1;
  font-size:13px;
  font-weight:500;
  text-transform:uppercase;
  letter-spacing:0.4px;
}

.main-nav a{
  color:var(--ink);
  padding:6px 0;
  border-bottom:2px solid transparent;
  transition:border-color .15s;
}

.main-nav a:hover{border-bottom-color:var(--red);}

.nav-dropdown{position:relative;}

.nav-dropdown-btn{
  font-family:inherit;
  font-size:13px;
  font-weight:500;
  text-transform:uppercase;
  letter-spacing:0.4px;
  color:var(--ink);
  display:flex;
  align-items:center;
  gap:4px;
  padding:6px 0;
}

.caret{font-size:10px;}

.nav-dropdown-menu{
  position:absolute;
  top:100%;
  left:0;
  background:var(--white);
  border:1px solid var(--black);
  min-width:220px;
  display:none;
  flex-direction:column;
  z-index:50;
}

.nav-dropdown:hover .nav-dropdown-menu{display:flex;}

.nav-dropdown-menu a{
  padding:11px 16px;
  font-size:13px;
  text-transform:none;
  letter-spacing:0;
  border-bottom:1px solid var(--gray-100);
  font-weight:400;
}

.nav-dropdown-menu a:hover{background:var(--gray-50);border-bottom-color:var(--gray-100);}

.header-right{
  display:flex;
  align-items:center;
  gap:18px;
}

.icon-btn{
  color:var(--ink);
  display:flex;
  align-items:center;
  justify-content:center;
}

.date-stamp{
  font-family:var(--mono);
  font-size:12px;
  color:var(--gray-500);
  white-space:nowrap;
}

.menu-toggle{
  display:none;
  flex-direction:column;
  gap:4px;
  padding:6px;
}

.menu-toggle span{
  width:22px;
  height:2px;
  background:var(--black);
}

/* ============ HERO ============ */
.hero{
  max-width:1280px;
  margin:0 auto;
  padding:36px 24px 32px;
}

.hero-grid{
  display:grid;
  grid-template-columns:1.6fr 1fr;
  gap:48px;
}

.eyebrow{
  display:inline-block;
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.6px;
  color:var(--gray-500);
  margin-bottom:10px;
}

.eyebrow-red{color:var(--red);}

.hero-lead h1{
  font-family:var(--serif);
  font-size:44px;
  line-height:1.08;
  font-weight:700;
  letter-spacing:-0.5px;
  margin-bottom:16px;
}

.hero-dek{
  font-size:18px;
  line-height:1.5;
  color:var(--gray-700);
  margin-bottom:14px;
  max-width:560px;
}

.byline{
  font-size:12px;
  color:var(--gray-500);
  font-family:var(--mono);
}

.hero-side{
  border-left:1px solid var(--gray-100);
  padding-left:32px;
  display:flex;
  flex-direction:column;
}

.side-story h3{
  font-family:var(--serif);
  font-size:19px;
  line-height:1.3;
  font-weight:600;
  margin-top:4px;
}

.side-story{display:block;padding:14px 0;}

.hero-side .rule{
  height:1px;
  background:var(--gray-100);
}

/* ============ TOOLS STRIP ============ */
.tools-strip{
  background:var(--black);
  padding:14px 0;
}

.tools-strip-inner{
  max-width:1280px;
  margin:0 auto;
  padding:0 24px;
  display:flex;
  align-items:center;
  gap:28px;
  flex-wrap:wrap;
}

.tools-strip-label{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.6px;
  color:var(--red);
  white-space:nowrap;
}

.tools-strip-links{
  display:flex;
  gap:28px;
  flex-wrap:wrap;
}

.tools-strip-links a{
  color:var(--white);
  font-size:13px;
  font-weight:500;
  display:flex;
  align-items:center;
  gap:6px;
}

.tool-arrow{color:var(--gray-500);transition:transform .15s, color .15s;}

.tools-strip-links a:hover .tool-arrow{color:var(--red);transform:translateX(2px);}

/* ============ IMAGE PLACEHOLDER TREATMENTS ============
   Stand-ins for real photography. Swap background-image
   for real licensed photos later — keep class names. */
[class*="img-finance-"]{
  display:block;
  width:100%;
  aspect-ratio:16/10;
  background-size:cover;
  background-position:center;
  position:relative;
}
.img-finance-1{background:linear-gradient(135deg,#1a1a1a 0%,#3d3d3d 50%,#0A0A0A 100%);}
.img-finance-2{background:linear-gradient(135deg,#2a2a2a 0%,#4d4d4d 100%);}
.img-finance-3{background:linear-gradient(135deg,#3d3d3d 0%,#1a1a1a 100%);}
.img-finance-4{background:linear-gradient(135deg,#0A0A0A 0%,#5a1018 100%);aspect-ratio:16/9;}
.img-finance-5{background:linear-gradient(135deg,#2a2a2a 0%,#4d4d4d 100%);}
.img-finance-6{background:linear-gradient(135deg,#1a1a1a 0%,#3d3d3d 100%);}
.img-finance-7{background:linear-gradient(135deg,#3d3d3d 0%,#0A0A0A 100%);}
.img-finance-8,.img-finance-9,.img-finance-10,.img-finance-11{background:linear-gradient(135deg,#0A0A0A 0%,#3d3d3d 100%);aspect-ratio:16/9;}

/* ============ TOP STORY PACKAGE ============ */
.top-package{
  max-width:1280px;
  margin:0 auto;
  padding:28px 24px 0;
}
.top-package-grid{
  display:grid;
  grid-template-columns:1.5fr 1fr 0.9fr;
  gap:28px;
}
.lead-story .lead-img{margin-bottom:14px;border:1px solid var(--gray-100);}
.lead-story h1{
  font-family:var(--serif);
  font-size:38px;
  line-height:1.1;
  font-weight:700;
  letter-spacing:-0.5px;
  margin-bottom:14px;
}
.mid-stories{display:flex;flex-direction:column;gap:24px;}
.mid-story .mid-img{margin-bottom:10px;border:1px solid var(--gray-100);}
.mid-story h3{
  font-family:var(--serif);
  font-size:18px;
  line-height:1.28;
  font-weight:600;
  margin-top:6px;
}
.rail{
  border-left:1px solid var(--gray-100);
  padding-left:24px;
}
.rail-head{
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:var(--black);
  border-bottom:2px solid var(--black);
  padding-bottom:8px;
  margin-bottom:4px;
}
.rail-item{
  display:flex;
  gap:10px;
  padding:11px 0;
  border-bottom:1px solid var(--gray-100);
}
.rail-num{
  font-family:var(--mono);
  font-size:12px;
  color:var(--red);
  font-weight:600;
  flex-shrink:0;
}
.rail-text{font-size:13.5px;line-height:1.35;}
.rail-item:hover .rail-text{color:var(--red);}
.rail-divider{height:1px;background:var(--gray-100);margin:16px 0 12px;}
.rail-item-sm{display:block;font-size:12.5px;line-height:1.4;padding:8px 0;color:var(--gray-700);border-bottom:1px solid var(--gray-100);}
.rail-item-sm:hover{color:var(--red);}

/* ============ PROMO BAND (newsletter) ============ */
.promo-band{
  background:var(--gray-50);
  border-top:1px solid var(--gray-100);
  border-bottom:1px solid var(--gray-100);
  margin-top:32px;
}
.promo-inner{
  max-width:1280px;
  margin:0 auto;
  padding:22px 24px;
  display:flex;
  align-items:center;
  gap:20px;
  flex-wrap:wrap;
}
.promo-tag{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:var(--red);
  white-space:nowrap;
}
.promo-inner h3{
  font-family:var(--serif);
  font-size:18px;
  font-weight:600;
  flex:1;
}
.promo-btn{
  background:var(--black);
  color:var(--white);
  padding:10px 20px;
  font-size:13px;
  font-weight:600;
  white-space:nowrap;
}
.promo-btn:hover{background:var(--red);}

/* ============ IN FOCUS GRID ============ */
.infocus-section{
  max-width:1280px;
  margin:0 auto;
  padding:40px 24px;
}
.infocus-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr;
  grid-template-rows:auto auto;
  gap:28px;
}
.infocus-large{grid-row:span 2;}
.infocus-card .infocus-img{margin-bottom:12px;border:1px solid var(--gray-100);}
.infocus-card h3{
  font-family:var(--serif);
  font-weight:600;
  line-height:1.25;
}
.infocus-large h3{font-size:24px;margin-bottom:8px;}
.infocus-card:not(.infocus-large) h3{font-size:16px;}
.infocus-dek{font-size:14px;color:var(--gray-700);line-height:1.5;margin-top:6px;}

/* ============ MARKETS SNAPSHOT ============ */
.markets-section{
  background:var(--black);
  padding:44px 24px;
}
.section-head-light h2{color:var(--white);}
.rule-thick-light{background:var(--white);}
.markets-table{
  max-width:1280px;
  margin:0 auto;
  border-top:1px solid #2A2A2A;
}
.markets-row{
  display:grid;
  grid-template-columns:2fr 1fr 1fr 1fr;
  padding:13px 0;
  border-bottom:1px solid #2A2A2A;
  font-family:var(--mono);
  font-size:13.5px;
  color:var(--white);
  align-items:center;
}
.markets-head{
  font-family:var(--sans);
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.4px;
  color:var(--gray-500);
}
.m-name{font-family:var(--sans);font-weight:500;}
.m-change.up{color:#4ADE80;}
.m-change.down{color:#F87171;}
.markets-cta{
  display:inline-block;
  max-width:1280px;
  margin:18px auto 0;
  width:100%;
  font-size:13px;
  font-weight:600;
  color:var(--red);
}

/* ============ WATCH / EXPLAINERS ============ */
.watch-section{
  max-width:1280px;
  margin:0 auto;
  padding:40px 24px;
}
.watch-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:24px;
}
.watch-img{position:relative;margin-bottom:12px;border:1px solid var(--gray-100);}
.play-badge{
  position:absolute;
  top:50%;left:50%;
  transform:translate(-50%,-50%);
  width:44px;height:44px;
  background:rgba(255,255,255,0.92);
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:14px;
  color:var(--black);
}
.watch-card h4{
  font-family:var(--serif);
  font-size:15.5px;
  font-weight:600;
  line-height:1.3;
  margin-top:6px;
}

/* ============ QUIZ BAND ============ */
.quiz-band{
  background:var(--red);
  padding:32px 24px;
}
.quiz-inner{
  max-width:1280px;
  margin:0 auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
}
.quiz-tag{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:rgba(255,255,255,0.8);
  display:block;
  margin-bottom:6px;
}
.quiz-text h3{
  font-family:var(--serif);
  font-size:22px;
  font-weight:700;
  color:var(--white);
}
.quiz-text p{font-size:14px;color:rgba(255,255,255,0.85);margin-top:4px;}
.quiz-btn{
  background:var(--white);
  color:var(--black);
  padding:12px 22px;
  font-size:13px;
  font-weight:700;
  white-space:nowrap;
}
.quiz-btn:hover{background:var(--black);color:var(--white);}

/* ============================================
   ARTICLE / POST PAGE
   ============================================ */

/* Breadcrumb */
.breadcrumb-bar{
  border-bottom:1px solid var(--gray-100);
  background:var(--gray-50);
}
.breadcrumb-inner{
  max-width:1280px;
  margin:0 auto;
  padding:10px 24px;
  font-size:12.5px;
  color:var(--gray-500);
}
.breadcrumb-inner a{color:var(--gray-500);}
.breadcrumb-inner a:hover{color:var(--red);}
.bc-sep{margin:0 6px;color:var(--gray-300);}
.bc-current{color:var(--ink);font-weight:500;}

/* Article header */
.article-header{
  max-width:840px;
  margin:0 auto;
  padding:36px 24px 0;
}
.article-header-inner{width:100%;}
.article-title{
  font-family:var(--serif);
  font-size:40px;
  line-height:1.12;
  font-weight:700;
  letter-spacing:-0.5px;
  margin:10px 0 16px;
}
.article-dek{
  font-size:19px;
  line-height:1.5;
  color:var(--gray-700);
  margin-bottom:24px;
}
.article-meta{
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:14px;
  padding:18px 0;
  border-top:1px solid var(--gray-100);
  border-bottom:1px solid var(--gray-100);
}
.author-block{display:flex;align-items:center;gap:12px;}
.author-avatar{
  width:38px;height:38px;
  border-radius:50%;
  background:var(--black);
  color:var(--white);
  font-family:var(--mono);
  font-size:13px;
  font-weight:600;
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
}
.author-info{display:flex;flex-direction:column;gap:2px;}
.author-name{font-size:13.5px;font-weight:600;}
.author-creds{font-size:12px;color:var(--gray-500);}
.meta-right{display:flex;flex-direction:column;align-items:flex-end;gap:2px;}
.meta-date{font-size:12px;color:var(--gray-500);font-family:var(--mono);}
.meta-read{font-size:12px;color:var(--gray-500);}
.share-row{
  display:flex;
  align-items:center;
  gap:14px;
  padding:14px 0 4px;
}
.share-label{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:0.4px;color:var(--gray-500);}
.share-icon{
  width:30px;height:30px;
  border:1px solid var(--gray-100);
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:13px;
}
.share-icon:hover{border-color:var(--red);color:var(--red);}

/* Feature image */
.article-feature-img{
  max-width:1100px;
  margin:28px auto 0;
  aspect-ratio:16/7;
  border:1px solid var(--gray-100);
}

/* Two-column layout */
.article-layout{
  max-width:1100px;
  margin:0 auto;
  padding:40px 24px 0;
  display:grid;
  grid-template-columns:1fr 320px;
  gap:56px;
}
.article-main{max-width:680px;}

/* TOC box */
.toc-box{
  background:var(--gray-50);
  border-left:3px solid var(--black);
  padding:18px 22px;
  margin-bottom:32px;
  display:flex;
  flex-direction:column;
  gap:8px;
}
.toc-label{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:var(--gray-500);
  margin-bottom:6px;
}
.toc-box a{font-size:14px;color:var(--ink);padding:2px 0;}
.toc-box a:hover{color:var(--red);}

/* Body typography */
.lead-para{
  font-family:var(--serif);
  font-size:19px;
  line-height:1.6;
  font-weight:400;
  color:var(--ink);
  margin-bottom:8px;
}
.article-main h2{
  font-family:var(--serif);
  font-size:26px;
  font-weight:700;
  margin:38px 0 14px;
  letter-spacing:-0.3px;
}
.article-main p{
  font-size:16.5px;
  line-height:1.75;
  color:var(--ink);
  margin-bottom:18px;
}
.article-main em{color:var(--gray-700);}
.article-list{
  margin:0 0 20px 0;
  padding-left:0;
  list-style:none;
}
.article-list li{
  font-size:16.5px;
  line-height:1.6;
  padding:9px 0 9px 22px;
  border-bottom:1px solid var(--gray-100);
  position:relative;
}
.article-list li::before{
  content:"—";
  position:absolute;
  left:0;
  color:var(--red);
}

.pull-quote{
  font-family:var(--serif);
  font-size:23px;
  line-height:1.4;
  font-weight:500;
  font-style:italic;
  color:var(--black);
  border-top:2px solid var(--black);
  border-bottom:2px solid var(--black);
  padding:24px 0;
  margin:32px 0;
}

.callout-box{
  background:var(--gray-50);
  border:1px solid var(--gray-100);
  padding:20px 24px;
  margin:28px 0;
}
.callout-label{
  display:block;
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:var(--red);
  margin-bottom:8px;
}
.callout-box p{font-size:15px;margin-bottom:0;color:var(--gray-700);}
.callout-box a{color:var(--ink);font-weight:600;border-bottom:1px solid var(--red);}

.article-footer-note{
  margin-top:36px;
  padding-top:20px;
  border-top:1px solid var(--gray-100);
}
.article-footer-note p{font-size:13px;color:var(--gray-500);line-height:1.6;margin-bottom:0;}

/* Author bio box */
.author-bio-box{
  display:flex;
  gap:18px;
  margin-top:36px;
  padding:24px;
  background:var(--gray-50);
  border:1px solid var(--gray-100);
}
.author-avatar-lg{width:52px;height:52px;font-size:16px;flex-shrink:0;}
.author-bio-text p{font-size:14.5px;color:var(--gray-700);line-height:1.6;margin:8px 0 10px;}
.author-bio-link{font-size:13px;font-weight:600;color:var(--red);}

/* Sidebar */
.article-sidebar{display:flex;flex-direction:column;gap:32px;}
.sidebar-tool-box{
  background:var(--black);
  color:var(--white);
  padding:22px;
}
.sidebar-tool-label{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:var(--red);
  display:block;
  margin-bottom:10px;
}
.sidebar-tool-box h4{
  font-family:var(--serif);
  font-size:18px;
  font-weight:600;
  margin-bottom:8px;
}
.sidebar-tool-box p{font-size:13.5px;color:#C8C8C8;line-height:1.5;margin-bottom:16px;}
.sidebar-tool-btn{
  display:inline-block;
  background:var(--white);
  color:var(--black);
  padding:9px 16px;
  font-size:13px;
  font-weight:600;
}
.sidebar-tool-btn:hover{background:var(--red);color:var(--white);}
.rail-sidebar{border-left:none;padding-left:0;border-top:1px solid var(--gray-100);padding-top:24px;}

/* Related section reuses .infocus-grid pattern but 3-col */
.related-section{
  max-width:1100px;
  margin:48px auto 0;
  padding:40px 24px 60px;
  border-top:1px solid var(--gray-100);
}
.related-grid{grid-template-columns:repeat(3,1fr);grid-template-rows:auto;}
.related-grid .infocus-card{grid-row:auto;}

/* ============================================
   TOOL / CALCULATOR PAGES
   ============================================ */

.tool-header{
  max-width:840px;
  margin:0 auto;
  padding:36px 24px 0;
}
.tool-title{
  font-family:var(--serif);
  font-size:38px;
  font-weight:700;
  letter-spacing:-0.5px;
  margin:10px 0 12px;
}
.tool-dek{
  font-size:17px;
  line-height:1.55;
  color:var(--gray-700);
  max-width:680px;
}

/* Calculator card */
.calc-section{
  max-width:1000px;
  margin:0 auto;
  padding:32px 24px 0;
}
.calc-card{
  display:grid;
  grid-template-columns:1fr 1fr;
  border:1px solid var(--black);
}
.calc-inputs{
  padding:32px;
  display:flex;
  flex-direction:column;
  gap:20px;
  border-right:1px solid var(--gray-100);
}
.input-group{display:flex;flex-direction:column;gap:6px;}
.input-group label{
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.4px;
  color:var(--gray-500);
}
.input-row-split{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.input-prefix, .input-suffix{
  display:flex;
  align-items:center;
  border:1px solid var(--gray-100);
  background:var(--gray-50);
}
.input-prefix span, .input-suffix span{
  padding:0 12px;
  font-family:var(--mono);
  font-size:14px;
  color:var(--gray-500);
}
.input-prefix input, .input-suffix input, .input-group select{
  flex:1;
  border:none;
  background:transparent;
  padding:12px 12px 12px 0;
  font-family:var(--mono);
  font-size:15px;
  color:var(--ink);
  font-weight:600;
  width:100%;
}
.input-suffix input{padding:12px 0 12px 12px;}
.input-group select{
  border:1px solid var(--gray-100);
  background:var(--gray-50);
  padding:12px;
  font-family:var(--sans);
  font-weight:500;
  cursor:pointer;
}
.input-prefix input:focus, .input-suffix input:focus, .input-group select:focus{outline:2px solid var(--red);outline-offset:-1px;}
.input-sub{font-size:12px;color:var(--gray-500);}

/* Results panel */
.calc-results{
  padding:32px;
  background:var(--black);
  color:var(--white);
  display:flex;
  flex-direction:column;
}
.results-label{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.5px;
  color:var(--gray-300);
}
.results-total{
  font-family:var(--serif);
  font-size:44px;
  font-weight:700;
  margin:8px 0 22px;
}
.results-breakdown{display:flex;flex-direction:column;gap:10px;margin-bottom:18px;}
.breakdown-row{
  display:flex;
  align-items:center;
  gap:10px;
  font-size:14px;
}
.breakdown-swatch{width:10px;height:10px;border-radius:2px;flex-shrink:0;}
.swatch-principal{background:var(--red);}
.swatch-tax{background:#4ADE80;}
.swatch-insurance{background:#60A5FA;}
.breakdown-name{flex:1;color:#C8C8C8;}
.breakdown-val{font-family:var(--mono);font-weight:600;}
.results-bar{
  display:flex;
  height:8px;
  border-radius:4px;
  overflow:hidden;
  margin-bottom:24px;
  background:#2A2A2A;
}
.bar-seg{height:100%;transition:width .2s;}
.bar-principal{background:var(--red);}
.bar-tax{background:#4ADE80;}
.bar-insurance{background:#60A5FA;}
.results-extra{
  border-top:1px solid #2A2A2A;
  padding-top:18px;
  display:flex;
  flex-direction:column;
  gap:10px;
}
.extra-row{
  display:flex;
  justify-content:space-between;
  font-size:13px;
  color:#C8C8C8;
}
.extra-row span:last-child{font-family:var(--mono);color:var(--white);font-weight:500;}

/* Explainer / formula */
.explainer-section{
  max-width:780px;
  margin:0 auto;
  padding:48px 24px;
}
.explainer-inner h2{
  font-family:var(--serif);
  font-size:24px;
  font-weight:700;
  margin-bottom:14px;
}
.explainer-inner p{
  font-size:15.5px;
  line-height:1.7;
  color:var(--ink);
  margin-bottom:16px;
}
.formula-box{
  background:var(--gray-50);
  border-left:3px solid var(--black);
  padding:18px 22px;
  font-family:var(--mono);
  font-size:16px;
  margin:18px 0;
  overflow-x:auto;
  white-space:nowrap;
}
.formula-key{font-size:14px;color:var(--gray-700);}

/* FAQ */
.faq-section{
  max-width:780px;
  margin:0 auto;
  padding:8px 24px 48px;
  border-top:1px solid var(--gray-100);
}
.faq-inner h2{
  font-family:var(--serif);
  font-size:24px;
  font-weight:700;
  margin:36px 0 18px;
}
.faq-item{
  padding:18px 0;
  border-bottom:1px solid var(--gray-100);
}
.faq-item h3{
  font-family:var(--serif);
  font-size:17px;
  font-weight:600;
  margin-bottom:8px;
}
.faq-item p{
  font-size:14.5px;
  line-height:1.65;
  color:var(--gray-700);
}

/* Disclaimer */
.tool-disclaimer{
  max-width:1000px;
  margin:0 auto;
  padding:0 24px 40px;
}
.tool-disclaimer p{
  font-size:12.5px;
  color:var(--gray-300);
  line-height:1.6;
  border-top:1px solid var(--gray-100);
  padding-top:16px;
}

/* ============================================
   PILLAR / CATEGORY PAGES
   ============================================ */

.pillar-header{
  max-width:900px;
  margin:0 auto;
  padding:36px 24px 0;
}
.pillar-title{
  font-family:var(--serif);
  font-size:40px;
  font-weight:700;
  letter-spacing:-0.5px;
  margin:10px 0 16px;
}
.pillar-intro{
  font-size:16px;
  line-height:1.7;
  color:var(--gray-700);
  max-width:760px;
}

/* Filter chips */
.filter-chips{
  max-width:900px;
  margin:0 auto;
  padding:24px 24px 0;
  display:flex;
  gap:10px;
  flex-wrap:wrap;
}
.chip{
  font-size:13px;
  font-weight:600;
  padding:9px 16px;
  border:1px solid var(--gray-100);
  color:var(--ink);
  white-space:nowrap;
}
.chip:hover{border-color:var(--black);}
.chip-active{background:var(--black);color:var(--white);border-color:var(--black);}

/* Featured article */
.pillar-featured{
  max-width:900px;
  margin:0 auto;
  padding:32px 24px 0;
}
.featured-card{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:28px;
  align-items:center;
  border-bottom:1px solid var(--gray-100);
  padding-bottom:36px;
}
.featured-img{aspect-ratio:4/3;border:1px solid var(--gray-100);}
.featured-text h2{
  font-family:var(--serif);
  font-size:25px;
  line-height:1.25;
  font-weight:700;
  margin:8px 0 10px;
}
.featured-text p{font-size:15px;color:var(--gray-700);line-height:1.55;margin-bottom:10px;}

/* Article grid */
.pillar-grid-section{
  max-width:1100px;
  margin:0 auto;
  padding:40px 24px;
}
.pillar-article-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:32px 28px;
}
.pillar-card-img{aspect-ratio:16/10;border:1px solid var(--gray-100);margin-bottom:12px;display:block;}
.pillar-card h3{
  font-family:var(--serif);
  font-size:16px;
  font-weight:600;
  line-height:1.3;
  margin:6px 0 8px;
}
.pillar-card:hover h3{color:var(--red);}
.card-date{font-family:var(--mono);font-size:11.5px;color:var(--gray-500);}

/* Pagination */
.pagination{
  display:flex;
  align-items:center;
  gap:8px;
  justify-content:center;
  margin-top:40px;
  padding-top:28px;
  border-top:1px solid var(--gray-100);
}
.page-current{
  width:32px;height:32px;
  display:flex;align-items:center;justify-content:center;
  background:var(--black);
  color:var(--white);
  font-size:13px;
  font-weight:600;
}
.page-link{
  width:32px;height:32px;
  display:flex;align-items:center;justify-content:center;
  border:1px solid var(--gray-100);
  font-size:13px;
  font-weight:600;
}
.page-link:hover{border-color:var(--black);}
.page-next{
  margin-left:8px;
  font-size:13px;
  font-weight:600;
  color:var(--red);
}

/* Tool callout band */
.pillar-tool-callout{
  background:var(--black);
  padding:32px 24px;
}
.callout-inner{
  max-width:1100px;
  margin:0 auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
}
.callout-text h3{
  font-family:var(--serif);
  font-size:21px;
  font-weight:600;
  color:var(--white);
  margin:6px 0 6px;
}
.callout-text p{font-size:14px;color:#C8C8C8;max-width:460px;}
.callout-btn{flex-shrink:0;}

/* Related pillars */
.related-pillars-section{
  max-width:1100px;
  margin:0 auto;
  padding:40px 24px 56px;
}
.related-pillars-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
.related-pillar-card{
  border:1px solid var(--gray-100);
  padding:22px;
  display:block;
}
.related-pillar-card:hover{border-color:var(--black);}
.related-pillar-card h4{
  font-family:var(--serif);
  font-size:18px;
  font-weight:700;
  margin:8px 0 8px;
}
.related-pillar-card p{font-size:13.5px;color:var(--gray-700);line-height:1.5;}

.nav-active{border-bottom-color:var(--red) !important;}

/* ============================================
   SIMPLE PAGES (About, Contact, Legal)
   ============================================ */

.simple-page-header{
  max-width:780px;
  margin:0 auto;
  padding:40px 24px 0;
}
.simple-page-title{
  font-family:var(--serif);
  font-size:36px;
  font-weight:700;
  letter-spacing:-0.5px;
  margin:10px 0 14px;
}
.simple-page-dek{
  font-size:16px;
  line-height:1.6;
  color:var(--gray-700);
}
.simple-page-updated{
  font-family:var(--mono);
  font-size:12px;
  color:var(--gray-500);
  margin-top:14px;
  display:block;
}

.simple-page-body{
  max-width:680px;
  margin:0 auto;
  padding:32px 24px 64px;
}
.simple-page-body h2{
  font-family:var(--serif);
  font-size:23px;
  font-weight:700;
  margin:34px 0 12px;
}
.simple-page-body h2:first-child{margin-top:0;}
.simple-page-body p{
  font-size:15.5px;
  line-height:1.75;
  color:var(--ink);
  margin-bottom:16px;
}
.simple-page-body ul{
  margin:0 0 18px 0;
  padding-left:0;
  list-style:none;
}
.simple-page-body ul li{
  font-size:15.5px;
  line-height:1.6;
  padding:8px 0 8px 22px;
  border-bottom:1px solid var(--gray-100);
  position:relative;
}
.simple-page-body ul li::before{
  content:"—";
  position:absolute;
  left:0;
  color:var(--red);
}
.simple-page-body a{color:var(--ink);font-weight:600;border-bottom:1px solid var(--red);}
.simple-page-body strong{color:var(--black);}

/* About page specifics */
.about-trust-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:20px;
  margin:24px 0 8px;
}
.about-trust-item{
  border:1px solid var(--gray-100);
  padding:18px 20px;
}
.about-trust-item h4{
  font-family:var(--serif);
  font-size:15.5px;
  font-weight:700;
  margin-bottom:6px;
}
.about-trust-item p{font-size:13.5px;color:var(--gray-700);margin-bottom:0;}

/* Contact page */
.contact-layout{
  max-width:680px;
  margin:0 auto;
  padding:32px 24px 64px;
  display:grid;
  grid-template-columns:1fr 220px;
  gap:40px;
}
.contact-form{display:flex;flex-direction:column;gap:18px;}
.contact-form .input-group label{margin-bottom:0;}
.contact-form input, .contact-form select, .contact-form textarea{
  border:1px solid var(--gray-100);
  background:var(--gray-50);
  padding:12px 14px;
  font-family:var(--sans);
  font-size:14.5px;
  color:var(--ink);
  width:100%;
}
.contact-form textarea{min-height:140px;resize:vertical;font-family:var(--sans);}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus{outline:2px solid var(--red);outline-offset:-1px;}
.contact-submit-btn{
  background:var(--black);
  color:var(--white);
  padding:13px 24px;
  font-size:14px;
  font-weight:600;
  border:none;
  cursor:pointer;
  width:fit-content;
}
.contact-submit-btn:hover{background:var(--red);}
.contact-side{
  border-left:1px solid var(--gray-100);
  padding-left:24px;
}
.contact-side h4{
  font-family:var(--serif);
  font-size:15px;
  font-weight:700;
  margin-bottom:8px;
}
.contact-side p{font-size:13.5px;color:var(--gray-700);line-height:1.6;margin-bottom:20px;}

/* ============ CATEGORY SECTIONS (existing, kept) ============ */
.category-section{
  max-width:1280px;
  margin:0 auto;
  padding:40px 24px;
}

.category-section-alt{
  background:var(--gray-50);
  max-width:100%;
  padding:40px 24px;
}

.category-section-alt .category-grid-3{
  max-width:1280px;
  margin:0 auto;
}

.section-head{margin-bottom:24px;}

.section-head h2{
  font-family:var(--serif);
  font-size:24px;
  font-weight:700;
  margin-bottom:10px;
}

.rule-thick{height:3px;background:var(--black);width:48px;}

.category-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:36px;
}

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

.category-col{
  border-top:2px solid var(--black);
  padding-top:14px;
}

.cat-title{
  font-family:var(--serif);
  font-size:16px;
  font-weight:700;
  margin-bottom:14px;
}

.cat-story{
  display:block;
  padding:11px 0;
  border-bottom:1px solid var(--gray-100);
}

.cat-dek{
  font-size:14px;
  line-height:1.4;
  color:var(--ink);
}

.cat-story:hover .cat-dek{color:var(--red);}

.cat-link{
  display:inline-block;
  margin-top:14px;
  font-size:12px;
  font-weight:600;
  text-transform:uppercase;
  letter-spacing:0.4px;
  color:var(--red);
}

/* ============ TRUST BAND ============ */
.trust-band{
  background:var(--black);
  color:var(--white);
  padding:52px 24px;
}

.trust-inner{
  max-width:1280px;
  margin:0 auto;
}

.trust-inner h2{
  font-family:var(--serif);
  font-size:26px;
  margin-bottom:32px;
}

.trust-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:32px;
}

.trust-num{
  font-family:var(--mono);
  font-size:13px;
  color:var(--red);
  display:block;
  margin-bottom:10px;
}

.trust-item h4{
  font-family:var(--serif);
  font-size:17px;
  margin-bottom:8px;
  font-weight:600;
}

.trust-item p{
  font-size:14px;
  line-height:1.55;
  color:#B8B8B8;
}

/* ============ FOOTER ============ */
.site-footer{
  border-top:1px solid var(--gray-100);
  padding:48px 24px 0;
}

.footer-inner{
  max-width:1280px;
  margin:0 auto;
  display:grid;
  grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;
  gap:32px;
  padding-bottom:36px;
}

.footer-logo{font-size:20px;margin-bottom:12px;}

.footer-brand p{
  font-size:13px;
  color:var(--gray-500);
  line-height:1.5;
  max-width:240px;
}

.footer-col h5{
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.4px;
  margin-bottom:14px;
  color:var(--gray-500);
}

.footer-col a{
  display:block;
  font-size:13px;
  padding:6px 0;
  color:var(--ink);
}

.footer-col a:hover{color:var(--red);}

.footer-bottom{
  border-top:1px solid var(--gray-100);
  padding:18px 24px;
  max-width:1280px;
  margin:0 auto;
}

.footer-bottom p{
  font-size:12px;
  color:var(--gray-300);
  text-align:center;
}

/* ============ RESPONSIVE ============ */
@media (max-width:1024px){
  .hero-grid{grid-template-columns:1fr;gap:28px;}
  .hero-side{border-left:none;padding-left:0;border-top:1px solid var(--gray-100);padding-top:20px;}
  .top-package-grid{grid-template-columns:1fr;gap:24px;}
  .rail{border-left:none;border-top:1px solid var(--gray-100);padding-left:0;padding-top:20px;}
  .infocus-grid{grid-template-columns:1fr 1fr;grid-template-rows:auto;}
  .infocus-large{grid-row:auto;grid-column:span 2;}
  .markets-row{grid-template-columns:1.6fr 1fr 1fr 1fr;font-size:12.5px;}
  .watch-grid{grid-template-columns:repeat(2,1fr);}
  .category-grid{grid-template-columns:repeat(2,1fr);}
  .category-grid-3{grid-template-columns:repeat(2,1fr);}
  .trust-grid{grid-template-columns:repeat(2,1fr);gap:24px;}
  .footer-inner{grid-template-columns:repeat(3,1fr);}
  .quiz-inner{flex-direction:column;align-items:flex-start;}
  .article-layout{grid-template-columns:1fr;gap:36px;}
  .article-sidebar{max-width:680px;}
  .rail-sidebar{border-top:1px solid var(--gray-100);}
  .related-grid{grid-template-columns:repeat(2,1fr);}
  .calc-card{grid-template-columns:1fr;}
  .calc-inputs{border-right:none;border-bottom:1px solid var(--gray-100);}
  .featured-card{grid-template-columns:1fr;gap:18px;}
  .pillar-article-grid{grid-template-columns:repeat(2,1fr);}
  .related-pillars-grid{grid-template-columns:1fr;gap:18px;}
  .main-nav{display:none;}
  .main-nav.nav-open{
    display:flex;
    flex-direction:column;
    position:absolute;
    top:100%;
    left:0;
    right:0;
    background:var(--white);
    border-bottom:2px solid var(--black);
    padding:8px 24px 16px;
    gap:0;
  }
  .main-nav.nav-open a{padding:12px 0;border-bottom:1px solid var(--gray-100);}
  .nav-dropdown-menu{position:static;border:none;display:none;}
  .nav-dropdown:hover .nav-dropdown-menu, .nav-dropdown.dd-open .nav-dropdown-menu{display:flex;}
  .menu-toggle{display:flex;}
}

@media (max-width:640px){
  .header-inner{padding:12px 16px;}
  .logo a{font-size:22px;}
  .hero{padding:24px 16px;}
  .hero-lead h1{font-size:30px;}
  .hero-dek{font-size:16px;}
  .top-package{padding:20px 16px 0;}
  .lead-story h1{font-size:26px;}
  .promo-inner{padding:18px 16px;}
  .promo-inner h3{font-size:16px;}
  .infocus-section{padding:28px 16px;}
  .infocus-grid{grid-template-columns:1fr;}
  .infocus-large{grid-column:auto;}
  .markets-section{padding:32px 16px;}
  .markets-row{grid-template-columns:1.6fr 1fr 1fr;font-size:11.5px;}
  .markets-row span:nth-child(3){display:none;}
  .watch-section{padding:28px 16px;}
  .watch-grid{grid-template-columns:1fr 1fr;gap:16px;}
  .quiz-band{padding:24px 16px;}
  .quiz-text h3{font-size:18px;}
  .category-section{padding:28px 16px;}
  .category-section-alt{padding:28px 16px;}
  .category-grid,.category-grid-3{grid-template-columns:1fr;gap:24px;}
  .trust-grid{grid-template-columns:1fr;}
  .footer-inner{grid-template-columns:1fr 1fr;padding:0 16px 28px;}
  .date-stamp{display:none;}
  .tools-strip-inner{gap:14px;}
  .tools-strip-links{gap:18px;}
  .article-header{padding:24px 16px 0;}
  .article-title{font-size:27px;}
  .article-dek{font-size:16px;}
  .article-meta{flex-direction:column;align-items:flex-start;}
  .meta-right{align-items:flex-start;}
  .article-feature-img{margin:20px 16px 0;max-width:calc(100% - 32px);}
  .article-layout{padding:28px 16px 0;}
  .lead-para{font-size:17px;}
  .article-main h2{font-size:21px;}
  .article-main p, .article-list li{font-size:15.5px;}
  .pull-quote{font-size:19px;}
  .author-bio-box{flex-direction:column;}
  .related-section{padding:28px 16px 40px;}
  .related-grid{grid-template-columns:1fr;}
  .tool-header{padding:24px 16px 0;}
  .tool-title{font-size:27px;}
  .tool-dek{font-size:15px;}
  .calc-section{padding:24px 16px 0;}
  .calc-inputs,.calc-results{padding:22px;}
  .results-total{font-size:34px;}
  .input-row-split{grid-template-columns:1fr;}
  .explainer-section{padding:32px 16px;}
  .faq-section{padding:8px 16px 32px;}
  .formula-box{font-size:13px;padding:14px 16px;}
  .pillar-header{padding:24px 16px 0;}
  .pillar-title{font-size:27px;}
  .filter-chips{padding:18px 16px 0;}
  .pillar-featured{padding:24px 16px 0;}
  .pillar-grid-section{padding:28px 16px;}
  .pillar-article-grid{grid-template-columns:1fr;gap:24px;}
  .callout-inner{flex-direction:column;align-items:flex-start;}
  .related-pillars-section{padding:28px 16px 40px;}
  .simple-page-header{padding:24px 16px 0;}
  .simple-page-title{font-size:26px;}
  .simple-page-body{padding:24px 16px 48px;}
  .about-trust-grid{grid-template-columns:1fr;}
  .contact-layout{grid-template-columns:1fr;padding:24px 16px 48px;gap:28px;}
  .contact-side{border-left:none;border-top:1px solid var(--gray-100);padding-left:0;padding-top:20px;}
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce){
  .ticker-track{animation:none;}
}