/* Margin: a personal finance publication.
   Editorial structure from the Economist (red mark, serif heads, dense columns),
   topic organisation from Money.com, and a trust-navy panel from Bankrate. */

:root {
  --paper: #F6F7F9;
  --surface: #FFFFFF;
  --ink: #121C33;
  --muted: #556079;
  --rule: #D8DDE6;
  --navy: #13254A;
  --navy-ink: #F3F5FA;
  --navy-muted: #B9C3D9;
  --red: #C8202D;
  --red-ink: #FFFFFF;
  --logo: #D0202E;
  --green: #17795A;
  --on-accent: #FFFFFF;
  --focus: #2F6BE0;

  --font-display: "Newsreader", "Georgia", "Times New Roman", serif;
  --font-body: "Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;

  --gutter: 16px;
  --max: 74rem;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root {
    --paper: #0E1525;
    --surface: #161F33;
    --ink: #E9EDF4;
    --muted: #A0AAC0;
    --rule: #29344C;
    --navy: #1A2B50;
    --navy-ink: #F3F5FA;
    --navy-muted: #B9C3D9;
    --red: #FF5C63;
    --red-ink: #1A0507;
    --green: #4CC69A;
    --on-accent: #0E1525;
    --focus: #8FB4FF;
    color-scheme: dark;
  }
}
@media (min-width: 720px) { :root { --gutter: 32px; } }

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.55;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
a:hover .hl, a.hl:hover { text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 3px; }
p { margin: 0; }
h1, h2, h3, h4 { margin: 0; font-family: var(--font-display); font-weight: 500; line-height: 1.12; text-wrap: balance; }
.container { max-width: var(--max); margin: 0 auto; padding-inline: var(--gutter); }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: var(--paper); padding: 0.75rem 1rem; z-index: 10; }
.skip:focus { left: 0; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- masthead ---------- */
.masthead { background: var(--surface); border-bottom: 1px solid var(--rule); }
.masthead-row { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 4.25rem; }
.logo { display: inline-flex; align-items: flex-end; background: var(--logo); color: #FFFFFF; font-family: var(--font-display); font-weight: 600; font-size: 1.65rem; line-height: 1; letter-spacing: -0.01em; padding: 0.9rem 0.7rem 0.35rem; min-height: 3.25rem; align-self: flex-start; }
.tagline { color: var(--muted); font-family: var(--font-display); font-style: italic; font-size: 1.05rem; margin-right: auto; margin-left: 0.25rem; }
@media (max-width: 640px) { .tagline { display: none; } }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; min-height: 44px; padding: 0.6rem 1.15rem; border-radius: 4px; border: 1px solid var(--ink); background: var(--ink); color: var(--paper); font: 600 0.95rem/1.2 var(--font-body); cursor: pointer; transition: background-color .15s ease, color .15s ease, border-color .15s ease; }
.button:hover { background: transparent; color: var(--ink); }
.button.ghost { background: transparent; color: var(--ink); }
.button.ghost:hover { background: var(--ink); color: var(--paper); }
.button.on-navy { background: var(--navy-ink); color: var(--navy); border-color: var(--navy-ink); }
.button.on-navy:hover { background: transparent; color: var(--navy-ink); }

.sections { border-top: 1px solid var(--rule); }
.sections ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 0.25rem 1.5rem; overflow-x: auto; scrollbar-width: none; }
.sections ul::-webkit-scrollbar { display: none; }
.sections a { display: inline-flex; align-items: center; min-height: 44px; white-space: nowrap; font-weight: 600; font-size: 0.95rem; color: var(--muted); border-bottom: 3px solid transparent; }
.sections a:hover { color: var(--ink); }
.sections a[aria-current="page"] { color: var(--ink); border-bottom-color: var(--red); }
.dateline { color: var(--muted); font-size: 0.85rem; padding-block: 0.6rem; border-bottom: 1px solid var(--rule); }

/* ---------- shared editorial bits ---------- */
.kicker { color: var(--red); font-weight: 700; font-size: 0.85rem; display: block; margin-bottom: 0.35rem; }
.meta { color: var(--muted); font-size: 0.85rem; margin-top: 0.6rem; }
.dek { color: var(--muted); }
.section-title { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; border-top: 3px solid var(--ink); padding-top: 0.6rem; margin-bottom: 1.25rem; }
.section-title h2 { font-size: clamp(1.6rem, 3.5vw, 2.1rem); }
.section-title a { font-size: 0.9rem; font-weight: 600; color: var(--muted); min-height: 44px; display: inline-flex; align-items: center; }
.section-title a:hover { color: var(--ink); }
main > section { padding-block: 2.5rem; }

/* ---------- lead ---------- */
.lead-grid { display: grid; gap: 2rem; padding-top: 2rem; }
@media (min-width: 900px) { .lead-grid { grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); gap: 2.5rem; } }
.lead-story { display: grid; gap: 1.25rem; }
.lead-art { max-width: 26rem; }
@media (min-width: 1200px) { .lead-story { grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); align-items: start; } .lead-art { max-width: none; } }
.lead-story h1 { font-size: clamp(2rem, 3.6vw, 2.9rem); font-weight: 600; letter-spacing: -0.01em; }
.lead-story .dek { font-size: 1.1rem; margin-top: 0.75rem; max-width: 34rem; }
.lead-art { background: var(--surface); border: 1px solid var(--rule); padding: 1rem 1rem 0.75rem; }
.lead-art figcaption { font-size: 0.8rem; color: var(--muted); margin-top: 0.5rem; }
.side-stories { display: grid; align-content: start; }
.side-stories article { padding-block: 1rem; border-top: 1px solid var(--rule); }
.side-stories article:first-child { padding-top: 0; border-top: 0; }
@media (max-width: 899px) { .side-stories article:first-child { padding-top: 1rem; border-top: 1px solid var(--rule); } }
.side-stories h2 { font-size: 1.3rem; }

/* ---------- quiz band (the one bold block) ---------- */
.quiz-band { background: var(--navy); color: var(--navy-ink); }
.quiz-band .container { display: grid; gap: 2rem; padding-block: 2.75rem; }
@media (min-width: 860px) { .quiz-band .container { grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); align-items: center; gap: 3rem; } }
.quiz-band .kicker { color: #FF9AA0; }
.quiz-band h2 { font-size: clamp(1.9rem, 4vw, 2.6rem); font-weight: 600; }
.quiz-band p { color: var(--navy-muted); max-width: 32rem; margin-top: 0.75rem; }
.quiz-band .cta { margin-top: 1.5rem; display: flex; flex-wrap: wrap; gap: 0.75rem 1.25rem; align-items: center; }
.quiz-band .fine { font-size: 0.85rem; color: var(--navy-muted); margin: 0; }
.sample { border: 1px solid rgba(243, 245, 250, 0.25); border-radius: 4px; padding: 1.25rem; display: grid; gap: 1rem; }
.sample .label { font-size: 0.85rem; color: var(--navy-muted); }
.sample .statement { font-family: var(--font-display); font-size: clamp(1.35rem, 3vw, 1.7rem); line-height: 1.25; color: var(--navy-ink); }
.scale6 { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 0.4rem; }
.scale6 button { min-height: 44px; border-radius: 4px; border: 1px solid rgba(243, 245, 250, 0.35); background: transparent; color: var(--navy-ink); font: 600 1rem var(--font-body); font-variant-numeric: tabular-nums; cursor: pointer; transition: background-color .15s ease, color .15s ease; }
.scale6 button:hover { border-color: var(--navy-ink); }
.scale6 button[aria-pressed="true"] { background: var(--navy-ink); color: var(--navy); }
.scale6-ends { display: flex; justify-content: space-between; font-size: 0.8rem; color: var(--navy-muted); }
.sample-result { min-height: 3rem; color: var(--navy-ink); font-size: 0.98rem; }
.sample-result strong { font-weight: 700; }

/* ---------- topics ---------- */
.topics { display: grid; gap: 2rem; }
@media (min-width: 640px) { .topics { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1040px) { .topics { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1.75rem; } }
.topic h3 { font-family: var(--font-body); font-size: 1rem; font-weight: 700; border-bottom: 2px solid var(--red); padding-bottom: 0.4rem; margin-bottom: 0.9rem; }
.topic h3 a { display: inline-flex; min-height: 32px; align-items: center; }
.topic .feature h4 { font-size: 1.3rem; }
.topic .feature .dek { font-size: 0.95rem; margin-top: 0.4rem; }
.topic ul { list-style: none; margin: 0.9rem 0 0; padding: 0; }
.topic li { border-top: 1px solid var(--rule); }
.topic li a { display: block; padding-block: 0.65rem; font-family: var(--font-display); font-size: 1.08rem; line-height: 1.25; }

/* ---------- briefing ---------- */
.briefing { display: grid; gap: 2.5rem; }
@media (min-width: 960px) { .briefing { grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 3rem; } }
.brief-list { list-style: none; margin: 0; padding: 0; }
.brief-list li { padding-block: 1rem; border-top: 1px solid var(--rule); font-family: var(--font-display); font-size: 1.12rem; line-height: 1.45; max-width: 40rem; }
.brief-list li:first-child { border-top: 0; padding-top: 0; }
.brief-list strong { font-weight: 600; }
.brief-note { font-size: 0.82rem; color: var(--muted); margin-top: 0.75rem; }
.charts { display: grid; gap: 1.5rem; align-content: start; }
.chart { background: var(--surface); border: 1px solid var(--rule); padding: 1.1rem 1.1rem 0.9rem; }
.chart h3 { font-size: 1.2rem; }
.chart .sub { font-size: 0.88rem; color: var(--muted); margin-top: 0.2rem; }
.chart svg { width: 100%; height: auto; margin-top: 0.8rem; overflow: visible; }
.chart .src { font-size: 0.78rem; color: var(--muted); margin-top: 0.6rem; }
.legend { display: flex; flex-wrap: wrap; gap: 0.4rem 1rem; font-size: 0.85rem; margin-top: 0.6rem; }
.legend span { display: inline-flex; align-items: center; gap: 0.4rem; }
.legend i { width: 1rem; height: 3px; display: inline-block; }
.split-row { display: grid; grid-template-columns: 7.5rem minmax(0, 1fr) 2.75rem; gap: 0.75rem; align-items: center; font-size: 0.92rem; padding-block: 0.35rem; }
.split-row .bar { height: 0.85rem; background: var(--rule); position: relative; }
.split-row .bar span { position: absolute; inset: 0 auto 0 0; background: var(--ink); }
.split-row .val { text-align: right; font-variant-numeric: tabular-nums; font-weight: 600; }

/* ---------- coaching (small) ---------- */
.coaching { display: grid; gap: 1.5rem; }
@media (min-width: 1140px) { .coaching { grid-template-columns: minmax(0, 0.9fr) minmax(0, 2fr); gap: 3rem; } }
.coaching-intro p { color: var(--muted); margin-top: 0.75rem; max-width: 26rem; }
.offers { display: grid; gap: 1rem; }
@media (min-width: 640px) { .offers { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.offer { background: var(--surface); border: 1px solid var(--rule); border-top: 3px solid var(--red); padding: 1.15rem; display: grid; gap: 0.5rem; align-content: start; }
.offer h3 { font-size: 1.25rem; }
.offer .length { font-size: 0.85rem; color: var(--muted); font-weight: 600; }
.offer p { font-size: 0.95rem; }
.offer .button { margin-top: 0.5rem; justify-self: start; }

/* ---------- article page ---------- */
.article-wrap { display: grid; gap: 2.5rem; padding-block: 2.5rem 3.5rem; }
@media (min-width: 960px) { .article-wrap { grid-template-columns: minmax(0, 42rem) minmax(0, 18rem); justify-content: space-between; } }
.article-head h1 { font-size: clamp(2.1rem, 5vw, 3.2rem); font-weight: 600; letter-spacing: -0.01em; }
.article-head .dek { font-size: 1.2rem; margin-top: 0.9rem; font-family: var(--font-display); }
.article-head .meta { border-top: 1px solid var(--rule); padding-top: 0.75rem; margin-top: 1.25rem; }
.article-body { font-family: var(--font-display); font-size: 1.2rem; line-height: 1.65; }
.article-body p + p, .article-body h2 + p, .article-body p + h2, .article-body ul + p, .article-body p + ul, .article-body figure + p { margin-top: 1.1rem; }
.article-body h2 { font-size: 1.6rem; margin-top: 2rem; }
.article-body ul { padding-left: 1.25rem; margin: 0; }
.article-body li + li { margin-top: 0.4rem; }
.article-body figure { margin: 1.75rem 0; }
.aside { display: grid; gap: 1.5rem; align-content: start; }
@media (min-width: 960px) { .aside { position: sticky; top: 1.5rem; } }
.promo { border-top: 3px solid var(--red); padding-top: 0.9rem; display: grid; gap: 0.6rem; }
.promo.navy { background: var(--navy); color: var(--navy-ink); border-top: 0; padding: 1.25rem; }
.promo.navy p { color: var(--navy-muted); }
.promo h3 { font-size: 1.35rem; }
.promo p { font-size: 0.95rem; color: var(--muted); }
.promo .button { justify-self: start; }
.template-note { background: var(--surface); border: 1px dashed var(--rule); padding: 0.9rem 1rem; font-size: 0.88rem; color: var(--muted); }

/* ---------- footer ---------- */
.site-footer { border-top: 1px solid var(--rule); background: var(--surface); padding-block: 2.5rem; font-size: 0.92rem; color: var(--muted); }
.footer-grid { display: grid; gap: 2rem; }
@media (min-width: 760px) { .footer-grid { grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, 1fr)); } }
.site-footer .logo { font-size: 1.3rem; min-height: 2.6rem; padding: 0.75rem 0.55rem 0.3rem; }
.site-footer h2 { font-family: var(--font-body); font-size: 0.95rem; font-weight: 700; color: var(--ink); margin-bottom: 0.5rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; }
.site-footer li a { display: inline-flex; min-height: 36px; align-items: center; }
.site-footer li a:hover { color: var(--ink); }
.site-footer .disclaimer { margin-top: 1rem; max-width: 30rem; }
.site-footer .social a { display: inline-flex; align-items: center; min-height: 44px; font-weight: 600; color: var(--ink); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px; }
.site-footer .social a:hover { color: var(--red); }
.footer-base { border-top: 1px solid var(--rule); margin-top: 2rem; padding-top: 1rem; font-size: 0.85rem; }

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