/* MoneyMooring v2 — premium editorial finance */
:root{
  --paper:#F7F8F6;
  --ink:#0E1B26;
  --ink-2:#16283A;
  --muted:#5C6B77;
  --accent:#0E8A5F;
  --accent-dark:#0A6B49;
  --accent-bright:#17B57C;
  --mint:#E6F3EC;
  --line:#E2E8E3;
  --amber:#F0B429;
  --card:#FFFFFF;
  --maxw:1160px;
  --measure:70ch;
  --shadow:0 1px 2px rgba(14,27,38,.05),0 8px 28px rgba(14,27,38,.07);
  --shadow-lift:0 2px 4px rgba(14,27,38,.06),0 18px 44px rgba(14,27,38,.13);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  background:var(--paper);color:var(--ink);
  line-height:1.68;font-size:17px;
  -webkit-font-smoothing:antialiased;
}
a{color:var(--accent-dark);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible,button:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
img,svg{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ============ MASTHEAD ============ */
.harbor-line{display:block;height:4px;background:linear-gradient(90deg,var(--accent-bright),var(--accent) 34%,var(--ink) 34.2%)}
.masthead{background:var(--ink);position:relative;z-index:5}
.masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:20px;padding-bottom:20px}
.wordmark{font-family:'Fraunces',serif;font-weight:700;font-size:1.6rem;letter-spacing:-.02em;color:#fff}
.wordmark span{color:var(--accent-bright)}
.wordmark:hover{text-decoration:none}
.nav{display:flex;gap:26px;font-size:.93rem;font-weight:500}
.nav a{color:#B9C6CE;transition:color .15s}
.nav a:hover{color:#fff;text-decoration:none}
@media(max-width:640px){.nav{display:none}}

/* ============ HERO ============ */
.hero{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(700px 380px at 85% -10%,rgba(23,181,124,.22),transparent 60%),
    radial-gradient(520px 320px at -5% 110%,rgba(23,181,124,.12),transparent 60%);
}
.hero .wrap{position:relative;padding-top:74px;padding-bottom:0;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:end}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}}
.hero-copy{padding-bottom:74px}
.hero .eyebrow{color:var(--accent-bright)}
.hero h1{
  font-family:'Fraunces',serif;font-weight:600;
  font-size:clamp(2.3rem,5.2vw,3.9rem);
  line-height:1.06;letter-spacing:-.02em;
  margin:18px 0 20px;max-width:15ch;
}
.hero h1 em{font-style:normal;color:var(--accent-bright);position:relative;white-space:nowrap}
.hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:.08em;height:.14em;background:rgba(23,181,124,.28);border-radius:2px}
.hero p{max-width:52ch;color:#AEBDC6;font-size:1.08rem}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-block;font-weight:600;font-size:.95rem;padding:13px 24px;border-radius:8px;transition:transform .15s,background .15s}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-solid{background:var(--accent-bright);color:#06231A}
.btn-solid:hover{background:#2BCB8F}
.btn-ghost{border:1px solid #3A4C5A;color:#DDE6EA}
.btn-ghost:hover{border-color:#5E7383}
.hero-stats{display:flex;gap:34px;margin-top:38px;flex-wrap:wrap}
.hero-stats div b{display:block;font-family:'Fraunces',serif;font-size:1.5rem;font-weight:600;color:#fff}
.hero-stats div span{font-size:.82rem;color:#8FA2AD}
.hero-art{align-self:end;line-height:0}
@media(max-width:860px){.hero-art{display:none}}

/* ============ TRUST STRIP ============ */
.trust{background:var(--mint);border-bottom:1px solid var(--line)}
.trust .wrap{display:flex;gap:10px 34px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px;font-size:.86rem;color:#2A4A3D;font-weight:500}
.trust svg{width:16px;height:16px;flex:none}
.trust div{display:flex;align-items:center;gap:8px}

/* ============ SECTION HEADS ============ */
.section-head{display:flex;align-items:baseline;gap:16px;margin:58px 0 6px}
.section-head h2{font-family:'Fraunces',serif;font-weight:600;font-size:1.7rem;letter-spacing:-.01em}
.section-head::after{content:"";flex:1;height:1px;background:var(--line)}
.section-head .count{font-size:.85rem;color:var(--muted)}

/* ============ FEATURED ============ */
.featured{display:grid;grid-template-columns:1.05fr .95fr;border-radius:16px;overflow:hidden;background:var(--card);box-shadow:var(--shadow);margin-top:26px;transition:box-shadow .2s}
.featured:hover{box-shadow:var(--shadow-lift)}
@media(max-width:820px){.featured{grid-template-columns:1fr}}
.featured-cover{min-height:280px;line-height:0}
.featured-cover svg{width:100%;height:100%}
.featured-body{padding:38px 40px;display:flex;flex-direction:column;gap:14px}
.featured-body h3{font-family:'Fraunces',serif;font-weight:600;font-size:1.75rem;line-height:1.18;letter-spacing:-.012em}
.featured-body h3 a{color:var(--ink)}
.featured-body p{color:var(--muted)}
.tag{display:inline-flex;align-self:flex-start;align-items:center;gap:6px;font-size:.72rem;font-weight:650;letter-spacing:.12em;text-transform:uppercase;padding:6px 12px;border-radius:99px;background:var(--mint);color:var(--accent-dark)}
.more{margin-top:auto;font-weight:600;font-size:.92rem;color:var(--accent-dark)}

/* ============ GRID ============ */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(310px,1fr));gap:28px;padding:30px 0 70px}
.card{background:var(--card);border-radius:14px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift)}
.card-cover{line-height:0}
.card-cover svg{width:100%;height:auto}
.card-body{padding:24px 24px 26px;display:flex;flex-direction:column;gap:10px;flex:1}
.card h3{font-family:'Fraunces',serif;font-weight:600;font-size:1.26rem;line-height:1.25}
.card h3 a{color:var(--ink)}
.card h3 a:hover{text-decoration:none;color:var(--accent-dark)}
.card p{color:var(--muted);font-size:.95rem}
.meta{font-size:.8rem;color:var(--muted)}

/* ============ ARTICLE ============ */
.article-hero{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.article-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(640px 340px at 90% -20%,rgba(23,181,124,.2),transparent 60%)}
.article-hero .wrap{position:relative;padding-top:58px;padding-bottom:54px}
.article-hero .tag{background:rgba(23,181,124,.15);color:var(--accent-bright)}
.article-hero h1{
  font-family:'Fraunces',serif;font-weight:600;
  font-size:clamp(1.9rem,4vw,3rem);
  line-height:1.12;letter-spacing:-.015em;
  max-width:24ch;margin:16px 0 16px;
}
.article-hero .byline{color:#9FB0BA;font-size:.9rem}
.article-hero .byline b{color:#fff;font-weight:600}
/* legacy article head fallback */
.article-head{padding:52px 0 8px}
.article-head h1{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(1.8rem,3.8vw,2.7rem);line-height:1.15;max-width:26ch;margin:12px 0 14px}
.article-head .byline{padding-bottom:26px;border-bottom:1px solid var(--line);max-width:var(--measure);color:var(--muted);font-size:.9rem}
.article-head .byline b{color:var(--ink)}
.article-head .eyebrow{color:var(--accent)}

.article-body{max-width:var(--measure);padding:34px 0 80px}
.article-body>p:first-of-type::first-letter{
  font-family:'Fraunces',serif;font-weight:600;float:left;
  font-size:3.4em;line-height:.82;padding:.06em .12em 0 0;color:var(--accent-dark);
}
.article-body h2{font-family:'Fraunces',serif;font-weight:600;font-size:1.6rem;margin:48px 0 14px;line-height:1.25;letter-spacing:-.01em}
.article-body h2::before{content:"";display:block;width:44px;height:3px;background:var(--accent);border-radius:2px;margin-bottom:14px}
.article-body h3{font-weight:650;font-size:1.13rem;margin:30px 0 10px}
.article-body p{margin:0 0 18px}
.article-body ul,.article-body ol{margin:0 0 18px 22px}
.article-body li{margin-bottom:8px}
.article-body table{border-collapse:separate;border-spacing:0;width:100%;margin:8px 0 24px;font-size:.94rem;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--card)}
.article-body th,.article-body td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.article-body tr:last-child td{border-bottom:0}
.article-body th{background:var(--ink);color:#fff;font-weight:600;font-size:.86rem}
.article-body tr:nth-child(even) td{background:#FBFCFA}

.takeaways{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--amber);border-radius:12px;padding:24px 26px;margin:28px 0 36px;box-shadow:var(--shadow)}
.takeaways .eyebrow{color:var(--ink)}
.takeaways ul{margin:12px 0 0 20px}
.takeaways li{margin-bottom:7px}

.related-search{background:var(--mint);border:1px dashed var(--accent);border-radius:12px;padding:22px;margin:32px 0;text-align:center;color:#3E5C4E;font-size:.9rem}

.disclosure{font-size:.82rem;color:var(--muted);background:var(--card);border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:0 0 26px;max-width:var(--measure)}

.faq details{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin-bottom:10px;transition:border-color .15s}
.faq details:hover{border-color:var(--accent)}
.faq summary{font-weight:600;cursor:pointer;list-style:none;position:relative;padding-right:28px}
.faq summary::after{content:"+";position:absolute;right:0;top:-2px;font-family:'Fraunces',serif;font-size:1.3rem;color:var(--accent)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:12px 0 4px;color:var(--muted)}

/* ============ STATIC PAGES ============ */
.page-body{max-width:var(--measure);padding:44px 0 80px}
.page-body h1{font-family:'Fraunces',serif;font-weight:600;font-size:2.3rem;margin-bottom:22px;letter-spacing:-.015em}
.page-body h2{font-family:'Fraunces',serif;font-weight:600;font-size:1.4rem;margin:36px 0 12px}
.page-body h2::before{content:"";display:block;width:40px;height:3px;background:var(--accent);border-radius:2px;margin-bottom:12px}
.page-body p{margin-bottom:16px}
.page-body ul{margin:0 0 16px 22px}

/* ============ EYEBROW ============ */
.eyebrow{font-size:.74rem;font-weight:650;letter-spacing:.15em;text-transform:uppercase;color:var(--accent)}

/* ============ FOOTER ============ */
footer{background:var(--ink);color:#9FB0BA;margin-top:20px}
footer .wrap{padding-top:44px;padding-bottom:52px;display:flex;flex-wrap:wrap;gap:32px;justify-content:space-between;font-size:.88rem}
footer .wordmark{font-size:1.25rem}
footer nav{display:flex;flex-wrap:wrap;gap:20px;align-items:flex-start}
footer a{color:#9FB0BA}
footer a:hover{color:#fff}
.foot-note{max-width:60ch;font-size:.8rem;line-height:1.7;margin-top:12px;color:#7D8F9A}