/* =========================================================
   QuietCompound — Plain-English Money Guides
   Refined design system: calm, editorial, finance-grade
   ========================================================= */

:root {
  --navy:        #0f2742;
  --navy-2:      #163253;
  --navy-3:      #1d406b;
  --blue:        #1f6feb;
  --blue-soft:   #e8f0fe;
  --gold:        #c9a227;
  --gold-soft:   #f7efd6;

  --bg:          #ffffff;
  --bg-soft:     #f5f8fc;
  --bg-deep:     #0c1f36;

  --text:        #1b2733;
  --muted:       #5a6b7b;
  --faint:       #8a99a8;

  --border:      #e6ecf3;
  --border-2:    #d3dde8;

  --green:       #1f8a5b;
  --green-soft:  #e6f5ee;
  --red:         #c0392b;
  --red-soft:    #fbeae8;
  --amber:       #b7791f;
  --amber-soft:  #fcf3e3;

  --radius:      18px;
  --radius-sm:   12px;
  --maxw:        1160px;
  --readw:       760px;

  --shadow-sm:   0 2px 10px rgba(15,39,66,.06);
  --shadow:      0 16px 40px rgba(15,39,66,.12);
  --shadow-lg:   0 26px 64px rgba(15,39,66,.18);

  --serif:       "Iowan Old Style", "Palatino Linotype", "Georgia", serif;
  --sans:        -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 92px; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--bg);
  line-height: 1.72;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

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

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }
.read { max-width: var(--readw); margin: 0 auto; }

/* ---------- Reading progress bar ---------- */
.progress { position: fixed; top: 66px; left: 0; right: 0; height: 3px; background: transparent; z-index: 49; }
.progress .bar { height: 100%; width: 0; background: linear-gradient(90deg, var(--gold), #e7c65a); transition: width .08s linear; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(15,39,66,.94);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 66px; }
.brand { display: flex; align-items: center; gap: 11px; color: #fff; font-weight: 800; font-size: 20px; letter-spacing: .3px; }
.brand .dot {
  width: 30px; height: 30px; border-radius: 8px;
  background: linear-gradient(135deg, var(--gold), #e7c65a);
  display: grid; place-items: center; color: var(--navy); font-weight: 900; font-size: 15px;
}
.brand small { display:block; font-weight:500; font-size:11px; color:var(--gold); letter-spacing:.5px; text-transform:uppercase; }
.nav-links { display: flex; gap: 26px; align-items: center; }
.nav-links a { color: #d7e1ee; font-weight: 600; font-size: 15px; }
.nav-links a:hover { color: #fff; text-decoration: none; }
.nav-toggle { display: none; }

/* ---------- Buttons ---------- */
.btn {
  display:inline-flex; align-items:center; gap:8px;
  padding: 13px 24px; border-radius: 999px; font-weight: 700; font-size: 15px;
  border: 1px solid transparent; cursor: pointer; transition: .2s; text-decoration: none;
}
.btn-gold { background: linear-gradient(135deg,var(--gold),#e7c65a); color: var(--navy); }
.btn-gold:hover { filter: brightness(1.05); text-decoration:none; color: var(--navy); }
.btn-ghost { background: transparent; border-color: rgba(255,255,255,.35); color:#fff; }
.btn-ghost:hover { background: rgba(255,255,255,.1); text-decoration:none; color:#fff; }

/* ---------- Section ---------- */
section.block { padding: 66px 0; }
section.soft { background: var(--bg-soft); }
.section-head { text-align:center; max-width: 700px; margin: 0 auto 44px; }
.section-head .kicker {
  color: var(--blue); font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1.4px;
}
.section-head h2 {
  font-family: var(--serif); font-size: clamp(28px,3.6vw,40px);
  margin: 10px 0 12px; line-height: 1.15; color: var(--navy);
}
.section-head p { color: var(--muted); font-size: 17px; margin:0; }

/* ---------- Grid + Cards ---------- */
.grid { display:grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.card {
  position: relative; background:#fff; border:1px solid var(--border);
  border-radius: var(--radius); overflow:hidden; box-shadow: var(--shadow-sm);
  transition:.22s; display:flex; flex-direction:column;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: var(--border-2); }
.card .thumb {
  height: 158px; display:flex; align-items:flex-end; padding:16px; position:relative;
}
.card .thumb .cat {
  background: rgba(255,255,255,.18); color:#fff; font-size:12px; font-weight:700;
  padding:5px 12px; border-radius:999px; backdrop-filter: blur(4px);
}
.card .thumb .emoji {
  position:absolute; top:16px; right:18px; font-size:32px; opacity:.96;
  filter: drop-shadow(0 3px 5px rgba(0,0,0,.22));
}
.card .body { padding: 18px 20px 22px; display:flex; flex-direction:column; flex:1; }
.card h3 { font-size: 19px; line-height:1.35; margin: 0 0 8px; font-family: var(--serif); color: var(--navy); }
.card p { color: var(--muted); font-size: 14.5px; margin: 0 0 16px; flex:1; }
.card .more { font-size: 14px; font-weight: 700; color: var(--blue); }
.card:hover .more { color: var(--navy); }
.card-link { position:absolute; inset:0; z-index:2; }
.card-link:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; border-radius: var(--radius); }

/* ---------- Homepage: hero (new template) ---------- */
.hero-new {
  position: relative; overflow:hidden; color:#fff;
  background:
    radial-gradient(1100px 460px at 85% -15%, rgba(31,111,235,.38), transparent 60%),
    radial-gradient(900px 420px at -5% 120%, rgba(201,162,39,.22), transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-3) 100%);
  padding: 70px 0 84px;
}
.hero-new::after {
  content:""; position:absolute; inset:0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 26px 26px; opacity:.5; pointer-events:none;
}
.hero-new .wrap { position: relative; z-index: 1; }
.hero-grid { display:grid; grid-template-columns: 1.35fr .9fr; gap: 48px; align-items: center; }
.hero-copy { max-width: 620px; }
.hero-new .eyebrow {
  display:inline-flex; align-items:center; gap:8px;
  background: rgba(255,255,255,.1); border:1px solid rgba(255,255,255,.18);
  padding: 7px 14px; border-radius: 999px; font-size: 13px; font-weight:600;
  color: #ffe9a8; letter-spacing:.4px; text-transform:uppercase;
}
.hero-new h1 {
  font-family: var(--serif); font-weight: 700;
  font-size: clamp(34px, 5vw, 56px); line-height: 1.08;
  margin: 20px 0 16px; max-width: 620px;
}
.hero-new p.lead { font-size: clamp(17px,2.2vw,20px); color: #cdd9e8; max-width: 560px; margin: 0 0 30px; }
.hero-new .cta { display:flex; gap:14px; flex-wrap:wrap; }
.hero-stats { display:flex; gap: 34px; margin-top: 40px; flex-wrap: wrap; }
.hero-stats .stat .n { font-family:var(--serif); font-size: 30px; font-weight:700; color:#fff; }
.hero-stats .stat .l { font-size: 13px; color:#aebfd2; }

/* Editor's pick card (hero right) */
.hero-pick {
  display:block; background: rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.18);
  border-radius: var(--radius); padding: 28px; backdrop-filter: blur(6px);
  transition:.22s; color:#fff; text-decoration:none;
}
.hero-pick:hover { background: rgba(255,255,255,.14); text-decoration:none; transform: translateY(-4px); }
.hero-pick .hp-tag {
  display:inline-block; background: var(--gold); color: var(--navy);
  font-size:11px; font-weight:800; letter-spacing:.6px; text-transform:uppercase;
  padding:4px 10px; border-radius:999px; margin-bottom:16px;
}
.hero-pick .hp-emoji { font-size: 40px; display:block; margin-bottom:14px; }
.hero-pick h3 { font-family: var(--serif); font-size: 23px; line-height:1.3; margin:0 0 10px; color:#fff; }
.hero-pick p { color:#cdd9e8; font-size:15px; margin:0 0 16px; }
.hero-pick .hp-by { font-size:13px; color:#aebfd2; font-weight:600; }

/* ---------- Homepage: topic tiles ---------- */
.topics-grid { display:grid; grid-template-columns: repeat(auto-fit, minmax(232px,1fr)); gap: 22px; }
.topic-tile {
  position:relative; display:flex; flex-direction:column; background:#fff;
  border:1px solid var(--border); border-radius: var(--radius); padding: 26px 24px 22px;
  box-shadow: var(--shadow-sm); transition:.22s; overflow:hidden; text-decoration:none;
}
.topic-tile::before {
  content:""; position:absolute; left:0; top:0; right:0; height:5px;
  background: linear-gradient(90deg, var(--g1), var(--g2));
}
.topic-tile:hover { transform: translateY(-5px); box-shadow: var(--shadow); text-decoration:none; }
.topic-tile .t-emoji {
  width:54px; height:54px; border-radius:14px; display:grid; place-items:center;
  font-size:28px; margin-bottom:16px;
  background: linear-gradient(135deg, var(--g1), var(--g2));
  box-shadow: 0 8px 18px rgba(15,39,66,.16);
}
.topic-tile .t-name { font-family: var(--serif); font-size: 20px; color: var(--navy); font-weight:700; }
.topic-tile .t-blurb { color: var(--muted); font-size: 14.5px; margin: 8px 0 18px; flex:1; }
.topic-tile .t-foot { display:flex; align-items:center; justify-content:space-between; border-top:1px solid var(--border); padding-top:14px; }
.topic-tile .t-cnt { font-size:13px; color: var(--faint); font-weight:600; }
.topic-tile .t-go { font-size:14px; font-weight:700; color: var(--blue); }
.topic-tile:hover .t-go { color: var(--navy); }

/* ---------- Homepage: learning path ---------- */
.path-steps { display:grid; grid-template-columns: repeat(4,1fr); gap: 22px; }
.path-step {
  display:flex; flex-direction:column; background:#fff; border:1px solid var(--border);
  border-radius: var(--radius); padding: 24px 22px; box-shadow: var(--shadow-sm);
  transition:.22s; text-decoration:none; position:relative;
}
.path-step:hover { transform: translateY(-4px); box-shadow: var(--shadow); text-decoration:none; }
.path-step .p-num {
  width:34px; height:34px; border-radius:50%; background: var(--navy); color:#fff;
  display:grid; place-items:center; font-weight:800; font-size:15px; margin-bottom:14px;
}
.path-step .p-emoji { font-size:26px; margin-bottom:10px; }
.path-step .p-title { font-family: var(--serif); font-size:18px; color: var(--navy); font-weight:700; margin-bottom:6px; }
.path-step .p-desc { color: var(--muted); font-size:14px; flex:1; }
.path-step .p-go { margin-top:14px; font-size:14px; font-weight:700; color: var(--blue); }
.path-step:hover .p-go { color: var(--navy); }

/* ---------- Article page ---------- */
.article-hero {
  position: relative; color:#fff; padding: 46px 0 56px; overflow:hidden;
  border-radius: 0 0 26px 26px;
}
.article-hero::after {
  content:""; position:absolute; inset:0;
  background-image: radial-gradient(rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 24px 24px; opacity:.4; pointer-events:none;
}
.article-hero .wrap { position: relative; z-index: 1; }
.article-hero .breadcrumb { font-size:13px; color:#e3ebf5; margin-bottom:14px; }
.article-hero .breadcrumb a { color:#eaf2fb; }
.article-hero .cat {
  display:inline-block; background: rgba(255,255,255,.16); color:#fff;
  border:1px solid rgba(255,255,255,.3); padding:6px 14px; border-radius:999px;
  font-size:12.5px; font-weight:700; letter-spacing:.4px; text-transform:uppercase; margin-bottom:16px;
}
.article-hero h1 {
  font-family:var(--serif); font-size: clamp(28px,4vw,44px); line-height:1.15;
  margin:0 0 16px; max-width: 880px;
}
.article-hero .meta { display:flex; gap:14px; flex-wrap:wrap; color:#eef3f9; font-size:14px; align-items:center; }
.article-hero .meta .author { display:flex; align-items:center; gap:10px; }
.avatar {
  width:34px; height:34px; border-radius:50%; background: linear-gradient(135deg,var(--gold),#e7c65a);
  color:var(--navy); display:grid; place-items:center; font-weight:800; font-size:14px; flex:0 0 auto;
}

.article-body { padding: 46px 0 10px; }
.article-shell {
  max-width: var(--maxw); margin: 0 auto; padding: 0 22px;
  display:grid; grid-template-columns: 240px minmax(0,1fr); gap: 52px; align-items: start;
}
.article-toc { position: sticky; top: 92px; align-self: start; border-left: 2px solid var(--border); padding-left: 18px; }
.article-toc .ttl { font-size: 12px; text-transform: uppercase; letter-spacing: .8px; color: var(--faint); font-weight: 700; margin-bottom: 12px; }
.article-toc ol { list-style: none; padding: 0; margin: 0; }
.article-toc ol li { margin-bottom: 11px; }
.article-toc ol a { color: var(--muted); font-size: 14px; line-height: 1.45; display:block; }
.article-toc ol a:hover { color: var(--navy); text-decoration: none; }
.article-toc ol a.active { color: var(--blue); font-weight: 700; }

.article-shell .content { max-width: var(--readw); min-width: 0; }
.lead { font-size: 20px; line-height:1.62; color: var(--navy); font-weight: 500; }
.content > p.lead::first-letter {
  float: left; font-family: var(--serif); font-size: 60px; line-height: .8;
  padding: 6px 12px 0 0; color: var(--gold); font-weight: 700;
}
.content h2 {
  font-family:var(--serif); font-size: 28px; margin: 42px 0 14px; line-height: 1.25;
  padding-top: 8px; scroll-margin-top: 92px;
  padding-bottom: 12px; border-bottom: 1px solid var(--border); color: var(--navy);
}
.content h3 { font-size: 21px; margin: 28px 0 10px; color: var(--navy); }
.content p { margin: 0 0 18px; }
.content ul, .content ol { margin: 0 0 20px; }
.content ul { list-style: none; padding-left: 0; }
.content ul > li { position: relative; padding-left: 28px; margin-bottom: 10px; }
.content ul > li::before {
  content:""; position:absolute; left:7px; top: 12px; width:7px; height:7px;
  border-radius:50%; background: var(--gold);
}
.content ol { counter-reset: step; list-style: none; padding-left: 0; }
.content ol > li { position: relative; padding-left: 46px; margin-bottom: 16px; }
.content ol > li::before {
  counter-increment: step; content: counter(step);
  position:absolute; left:0; top:1px; width:30px; height:30px; border-radius:50%;
  background: var(--navy); color:#fff; display:grid; place-items:center; font-weight:700; font-size:14px;
}
.content strong { color: var(--navy); }
.content mark { background: var(--gold-soft); color: var(--navy); padding: 0 4px; border-radius: 4px; }

.callout {
  border-radius: var(--radius-sm); padding: 18px 22px; margin: 26px 0;
  border-left: 4px solid var(--blue); background: var(--blue-soft);
}
.callout.note { border-color: var(--blue); background: var(--blue-soft); }
.callout.tip  { border-color: var(--green); background: var(--green-soft); }
.callout.warn { border-color: var(--amber); background: var(--amber-soft); }
.callout.danger { border-color: var(--red); background: var(--red-soft); }
.callout .ttl { font-weight: 800; display:block; margin-bottom:4px; }
.callout.note .ttl { color: var(--blue); }
.callout.tip .ttl { color: var(--green); }
.callout.warn .ttl { color: var(--amber); }
.callout.danger .ttl { color: var(--red); }

table.compare {
  width: 100%; border-collapse: collapse; margin: 22px 0 26px; font-size: 15px;
  background:#fff; border:1px solid var(--border); border-radius: var(--radius-sm); overflow:hidden;
  box-shadow: var(--shadow-sm);
}
table.compare th, table.compare td { padding: 13px 15px; text-align:left; border-bottom:1px solid var(--border); }
table.compare thead th { background: var(--navy); color:#fff; font-weight:700; }
table.compare tbody tr:nth-child(even) { background: var(--bg-soft); }
table.compare td:first-child { font-weight:600; color: var(--navy); }

.quote {
  border-left: 4px solid var(--gold); padding: 6px 0 6px 22px; margin: 26px 0;
  font-family: var(--serif); font-style: italic; font-size: 21px; color: var(--navy-2);
}

.author-box {
  display:flex; gap:18px; align-items:flex-start; background: var(--bg-soft);
  border:1px solid var(--border); border-left: 4px solid var(--gold);
  border-radius: var(--radius); padding: 22px; margin: 40px auto;
  max-width: var(--readw);
}
.author-box .avatar { width:54px; height:54px; font-size:20px; }
.author-box h4 { margin:0 0 4px; font-size:17px; color: var(--navy); }
.author-box .role { font-size:13px; color: var(--blue); font-weight:700; margin-bottom:8px; }
.author-box p { margin:0; font-size:14.5px; color: var(--muted); }

.disclaimer {
  max-width: var(--readw); margin: 30px auto; padding: 16px 20px;
  background: var(--gold-soft); border:1px solid #ecdca0; border-radius: var(--radius-sm);
  font-size: 14px; color: #6b5816;
}
.disclaimer strong { color:#5a4910; }

.related { background: var(--bg-soft); padding: 58px 0; margin-top: 30px; border-top:1px solid var(--border); }
.related .grid { margin-top: 8px; }

/* Article hero: in-content topic navigation (chips) */
.article-hero .topic-chips { display:flex; flex-wrap:wrap; align-items:center; gap:9px; margin-top:22px; }
.article-hero .ch-lbl { font-size:13px; color:#bcd0e6; font-weight:600; margin-right:4px; }
.chip {
  display:inline-block; padding:7px 14px; border-radius:999px; font-size:13.5px; font-weight:600;
  background: rgba(255,255,255,.12); border:1px solid rgba(255,255,255,.22); color:#fff;
  text-decoration:none; transition:.18s; max-width: 260px; overflow:hidden; text-overflow:ellipsis; white-space:nowrap;
}
.chip:hover { background: rgba(255,255,255,.22); text-decoration:none; color:#fff; }
.chip.chip-all { background: var(--gold); border-color: var(--gold); color: var(--navy); }
.chip.chip-all:hover { filter:brightness(1.05); color: var(--navy); }

/* Explore-by-topic band at the end of every article (mirrors homepage) */
.article-footnav { background:#fff; padding: 60px 0; border-top:1px solid var(--border); }
.article-footnav .topics-grid { margin-top: 6px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--bg-deep); color:#b9c6d6; padding: 58px 0 30px; margin-top: 30px; }
.foot-grid { display:grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 36px; }
.foot-brand .brand { color:#fff; margin-bottom: 14px; }
.foot-brand p { font-size:14px; color:#9fb0c2; max-width: 300px; }
.foot-col h4 { color:#fff; font-size:14px; text-transform:uppercase; letter-spacing:.6px; margin: 0 0 14px; }
.foot-col a { display:block; color:#9fb0c2; font-size:14.5px; margin-bottom:10px; }
.foot-col a:hover { color:#fff; }
.foot-bottom {
  border-top:1px solid rgba(255,255,255,.08); margin-top: 36px; padding-top: 22px;
  font-size:13px; color:#7e8ea0; display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px;
}
.foot-note { font-size:12.5px; color:#6f7f91; max-width: 760px; margin-top:14px; line-height:1.6; }

/* ---------- Page (simple) : paper container ---------- */
.page-hero { background: linear-gradient(160deg,var(--navy),var(--navy-3)); color:#fff; padding: 52px 0; border-radius: 0 0 26px 26px; }
.page-hero h1 { font-family:var(--serif); font-size: clamp(30px,4vw,42px); margin:0; }
.page-hero p { color:#cdd9e8; margin:10px 0 0; max-width:640px; }
.page-hero .breadcrumb { font-size:13px; color:#aebfd2; margin-bottom:14px; }
.page-hero .breadcrumb a { color:#cfe; }
.page-body { padding: 52px 0 72px; background: var(--bg-soft); }
.page-body .content {
  max-width: 820px; margin: 0 auto; background:#fff; border:1px solid var(--border);
  border-radius: var(--radius); padding: 44px 48px; box-shadow: var(--shadow-sm);
}
.page-body h2 { font-family:var(--serif); font-size:26px; margin:34px 0 12px; color:var(--navy); }
.page-body h3 { font-size:20px; margin:24px 0 8px; color: var(--navy); }
.page-body p, .page-body li { color: var(--text); }
.page-body ul { padding-left: 22px; }
.page-body li { margin-bottom: 8px; }

.contact-card {
  background: var(--bg-soft); border:1px solid var(--border); border-radius: var(--radius);
  padding: 28px; max-width: 560px; margin: 20px auto;
}
.contact-card .row { display:flex; gap:14px; align-items:center; padding: 12px 0; border-bottom:1px solid var(--border); }
.contact-card .row:last-child { border-bottom:0; }
.contact-card .ic { width:40px; height:40px; border-radius:10px; background:var(--blue-soft); color:var(--blue); display:grid; place-items:center; font-size:18px; }
.contact-card .k { font-size:12.5px; color:var(--faint); text-transform:uppercase; letter-spacing:.5px; }
.contact-card .v { font-size:16px; font-weight:600; color:var(--navy); }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(135deg, var(--navy-3), var(--navy));
  color:#fff; border-radius: var(--radius); padding: 48px 40px; text-align:center; margin: 10px auto;
}
.cta-band h2 { font-family:var(--serif); font-size: 30px; margin:0 0 12px; }
.cta-band p { color:#cdd9e8; max-width:560px; margin:0 auto 24px; }

/* ---------- Trust / E-E-A-T band ---------- */
.trust-band { background: linear-gradient(160deg, var(--navy-3), var(--navy)); color: #fff; }
.trust-band .section-head h2, .trust-band .section-head .kicker { color:#fff; }
.trust-band .section-head p { color:#cdd9e8; }
.trust-grid { display:grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.trust {
  background: rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.12);
  border-radius: var(--radius); padding: 26px 24px;
}
.trust .ic { font-size: 28px; margin-bottom: 14px; }
.trust h3 { color:#fff; font-size: 18px; margin: 0 0 10px; font-family: var(--serif); }
.trust p { color:#c2d0e0; font-size: 14.5px; margin: 0; }

/* ---------- Popular topics tag cloud ---------- */
.tagcloud { display:flex; flex-wrap:wrap; gap: 12px; justify-content:center; max-width: 900px; margin: 0 auto; }
.tag {
  display:inline-block; padding: 9px 16px; border-radius: 999px;
  background:#fff; border:1px solid var(--border-2); color: var(--navy);
  font-size: 14px; font-weight:600; transition:.2s;
}
.tag:hover { background: var(--navy); color:#fff; text-decoration:none; border-color: var(--navy); }

/* ---------- FAQ accordion ---------- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq {
  background:#fff; border:1px solid var(--border); border-radius: var(--radius-sm);
  margin-bottom: 14px; overflow:hidden; box-shadow: var(--shadow-sm);
}
.faq summary {
  cursor:pointer; padding: 18px 22px; font-weight:700; font-size: 17px; color: var(--navy);
  list-style:none; display:flex; justify-content:space-between; align-items:center;
}
.faq summary::-webkit-details-marker { display:none; }
.faq summary::after { content:"+"; color: var(--gold); font-size: 22px; font-weight:800; }
.faq[open] summary::after { content:"−"; }
.faq-a { padding: 0 22px 20px; color: var(--muted); font-size: 15.5px; }

/* ---------- Library hub & category pages ---------- */
.hub-cat { margin-bottom: 46px; }
.hub-head { display:flex; align-items:center; justify-content:space-between; margin-bottom: 20px; border-bottom:1px solid var(--border); padding-bottom:12px; }
.hub-head h3 { font-family: var(--serif); font-size: 22px; margin:0; color: var(--navy); }
.hub-head h3 .emoji { margin-right:8px; }
.hub-head .cnt { display:inline-block; background: var(--blue-soft); color: var(--blue); font-size: 13px; font-weight:800; padding: 2px 10px; border-radius:999px; margin-left:8px; }
.hub-head .lnk { color: var(--blue); font-weight:700; font-size:14.5px; white-space:nowrap; }

/* page-hero breadcrumb (light-on-dark) shared */
.page-hero .breadcrumb a { color:#cfe; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-pick { max-width: 460px; }
}
@media (max-width: 980px) {
  .article-shell { grid-template-columns: 1fr; gap: 0; }
  .article-toc {
    position: static; border-left: 0; border: 1px solid var(--border); border-radius: var(--radius-sm);
    padding: 16px 20px; margin: 0 0 26px; background: #fff;
  }
  .article-toc ol { columns: 2; }
}
@media (max-width: 900px) {
  .grid, .path-steps, .trust-grid { grid-template-columns: repeat(2,1fr); }
  .foot-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  .nav-links { display:none; }
  .nav-links.open {
    display:flex; flex-direction:column; position:absolute; top:66px; left:0; right:0;
    background: var(--navy); padding: 18px 22px; gap:16px; border-top:1px solid rgba(255,255,255,.1);
    max-height: calc(100vh - 66px); overflow-y: auto; -webkit-overflow-scrolling: touch; overscroll-behavior: contain;
  }
  .nav-toggle { display:block; background:none; border:1px solid rgba(255,255,255,.3); color:#fff; border-radius:8px; padding:8px 12px; font-size:18px; cursor:pointer; }
  .grid, .path-steps, .trust-grid, .foot-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 22px; }
  .article-toc ol { columns: 1; }
  .content > p.lead::first-letter { font-size: 50px; }
  .page-body .content { padding: 30px 22px; }
}

/* ---------- Beautify: polish pass ---------- */
::selection { background: var(--gold-soft); color: var(--navy); }

/* Slim category-coloured accent on the sticky header for brand consistency */
.site-header { position: sticky; top: 0; z-index: 50; }
.site-header::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--blue) 55%, var(--green));
}

/* Article body: intentional, on-brand inline links */
.content a {
  color: var(--blue); font-weight: 600;
  text-decoration: underline; text-decoration-color: rgba(31,111,235,.32);
  text-underline-offset: 2px; transition: .15s;
}
.content a:hover { color: var(--navy); text-decoration-color: var(--navy); text-decoration: none; }

/* Gold accent underline under each article heading */
.content h2 { position: relative; padding-bottom: 10px; }
.content h2::after {
  content: ""; position: absolute; left: 0; bottom: 0; width: 46px; height: 3px;
  border-radius: 2px; background: linear-gradient(90deg, var(--gold), #e7c65a);
}

/* Blockquotes (robust styling if content uses them) */
.content blockquote {
  margin: 22px 0; padding: 14px 20px; color: var(--navy); font-style: italic;
  background: var(--gold-soft); border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

/* Cards lift gently on hover for a premium feel */
.card { transition: transform .2s ease, box-shadow .2s ease; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.topic-tile { transition: transform .2s ease, box-shadow .2s ease; }
.topic-tile:hover { transform: translateY(-4px); box-shadow: var(--shadow); }

/* ---------- Reader support / sponsorship callout (no email) ---------- */
.support-box {
  display: flex; gap: 18px; align-items: center; margin: 34px 0 6px;
  padding: 22px 24px; border-radius: var(--radius, 14px);
  background: linear-gradient(135deg, var(--gold-soft, #fbf3dc), #fff);
  border: 1px solid rgba(201,162,39,.35);
  box-shadow: 0 8px 26px rgba(201,162,39,.10);
}
.support-box .sp-icon {
  flex: 0 0 auto; width: 48px; height: 48px; border-radius: 50%;
  display: grid; place-items: center; font-size: 22px; color: #fff;
  background: linear-gradient(135deg, var(--gold, #c9a227), #e7c65a);
  box-shadow: 0 6px 16px rgba(201,162,39,.30);
}
.support-box .sp-text h4 { margin: 0 0 6px; font-size: 1.18rem; color: var(--navy, #0f2742); }
.support-box .sp-text p { margin: 0 0 14px; color: #4a5568; line-height: 1.6; }
.support-box .sp-text .btn { display: inline-block; }

/* Larger support card used on the Contact & Support page */
.support-card {
  display: flex; gap: 22px; align-items: center; margin: 26px 0 32px;
  padding: 30px 32px; border-radius: 16px;
  background: linear-gradient(135deg, var(--navy, #0f2742), #173a5e);
  color: #fff; box-shadow: var(--shadow, 0 12px 30px rgba(15,39,66,.18));
}
.support-card .sc-icon {
  flex: 0 0 auto; width: 60px; height: 60px; border-radius: 50%;
  display: grid; place-items: center; font-size: 28px; color: #fff;
  background: linear-gradient(135deg, var(--gold, #c9a227), #e7c65a);
}
.support-card .sc-text h2 { color: #fff; margin: 0 0 8px; }
.support-card .sc-text p { color: #dbe4ee; margin: 0 0 16px; line-height: 1.6; }
.support-card .sc-sub { margin: 12px 0 0; font-size: .92rem; color: #aebfd2; }
.support-card .sc-sub a { color: var(--gold, #e7c65a); }
.support-card .btn { display: inline-block; }

@media (max-width: 600px) {
  .support-box, .support-card { flex-direction: column; text-align: center; }
  .support-box .sp-text .btn, .support-card .btn { margin: 0 auto; }
}

/* ---------- Language switcher (nav dropdown) ---------- */
.langswitch { position: relative; display: inline-flex; }
.langswitch summary {
  list-style: none; cursor: pointer; display: inline-flex; align-items: center; gap: 7px;
  color: #fff; font-weight: 600; font-size: 14px; white-space: nowrap;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.28);
  border-radius: 999px; padding: 7px 14px; transition: background .2s, border-color .2s;
}
.langswitch summary::-webkit-details-marker { display: none; }
.langswitch summary:hover { background: rgba(255,255,255,.15); }
.langswitch[open] summary { background: rgba(255,255,255,.18); border-color: var(--gold); }
.langswitch summary::after { content: "▾"; font-size: 10px; opacity: .8; transition: transform .2s; }
.langswitch[open] summary::after { transform: rotate(180deg); }
.langmenu {
  position: absolute; top: calc(100% + 10px); right: 0; min-width: 230px;
  background: var(--navy); border: 1px solid rgba(255,255,255,.14);
  border-radius: 14px; padding: 8px; box-shadow: 0 20px 45px rgba(0,0,0,.4);
  z-index: 80; display: grid; gap: 2px;
}
[dir="rtl"] .langmenu { right: auto; left: 0; }
.langmenu .ls-item a,
.langmenu .ls-item span {
  display: block; padding: 8px 12px; border-radius: 9px;
  color: #d7e1ee; font-size: 14px; font-weight: 600; white-space: nowrap;
}
.langmenu .ls-item a:hover { background: rgba(255,255,255,.09); color: #fff; text-decoration: none; }
.langmenu .ls-item .ls-current { color: var(--gold); background: rgba(231,198,90,.13); }
.langmenu .ls-toggle {
  margin-top: 6px; padding-top: 8px; border-top: 1px solid rgba(255,255,255,.13);
  color: #8db9ff; font-size: 13px; font-weight: 700;
}
@media (max-width: 680px) {
  .langswitch { width: 100%; }
  .langswitch summary { width: 100%; justify-content: space-between; }
  .langmenu { position: static; width: 100%; min-width: 0; box-shadow: none;
    background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); }
}

/* 首页 hero 右侧插画（compounding growth） */
.hero-art{display:flex; align-items:center; justify-content:center; min-width:0;}
.hero-art svg{width:100%; height:auto; max-width:440px; filter:drop-shadow(0 18px 38px rgba(0,0,0,.35));}

/* 首页 hero — Template D（Soft Immersive，沉浸柔和） */
.hero-d{position:relative;overflow:hidden;text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:78vh;padding:92px 6vw 76px;background:radial-gradient(80% 70% at 50% 12%,var(--navy-3),var(--bg-deep) 70%);}
.hero-d .hero-rings{position:absolute;left:50%;top:42%;transform:translate(-50%,-50%);width:min(760px,90vw);opacity:.55;pointer-events:none;animation:heroGlow 6s ease-in-out infinite;}
.hero-d .hero-d-inner{position:relative;z-index:2;max-width:760px;}
.hero-d .eyebrow{display:inline-block;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#e7c65a;margin-bottom:18px;}
.hero-d h1{font-family:var(--serif);font-size:clamp(36px,5vw,60px);line-height:1.1;font-weight:700;letter-spacing:-.01em;color:#fff;margin:8px 0 0;}
.hero-d .lead{font-size:18px;line-height:1.65;color:#cdd9e8;max-width:560px;margin:22px auto 0;}
.hero-d .cta{display:flex;gap:14px;flex-wrap:wrap;justify-content:center;margin-top:30px;}
.hero-d .pill-row{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:34px;}
.hero-d .pill{font-size:14px;color:#eaf2fb;text-decoration:none;padding:10px 18px;border-radius:999px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);transition:.2s;}
.hero-d .pill:hover{background:rgba(201,162,39,.18);border-color:rgba(201,162,39,.5);color:#fff;}
@keyframes heroGlow{0%,100%{opacity:.5}50%{opacity:.85}}

/* 首页 hub — Start here（纯文字列表，无图形）+ Browse every topic（分类文字列表卡片） */
.start-list{list-style:none;max-width:860px;margin:0 auto;display:grid;gap:6px}
.start-list li a{display:flex;align-items:flex-start;gap:18px;padding:18px 20px;border-radius:14px;text-decoration:none;transition:.18s;background:#fff;border:1px solid var(--border)}
.start-list li a:hover{background:var(--bg-soft);border-color:rgba(201,162,39,.5);transform:translateY(-1px)}
.sl-num{font-family:var(--serif);font-size:22px;font-weight:700;color:var(--gold);min-width:36px;text-align:center;padding-top:2px}
.sl-body{flex:1;min-width:0}
.sl-title{display:block;font-size:17.5px;font-weight:600;color:var(--navy);font-family:var(--serif);line-height:1.3}
.sl-desc{display:block;font-size:14px;color:var(--muted);margin-top:3px;line-height:1.5}
.sl-tag{font-size:12px;color:var(--muted);background:var(--bg-soft);border:1px solid var(--border);padding:5px 11px;border-radius:999px;white-space:nowrap;align-self:center}

.cat-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.cat-block{background:#fff;border:1px solid var(--border);border-radius:18px;padding:24px 24px 16px;box-shadow:var(--shadow-sm);border-top:4px solid var(--acc)}
.cb-head{margin-bottom:14px}
.cb-head h3{font-family:var(--serif);font-size:22px;color:var(--navy);display:flex;align-items:center;gap:9px}
.cb-head h3 .dot{width:10px;height:10px;border-radius:50%;background:var(--acc);flex:0 0 auto}
.cb-head p{font-size:13.5px;color:var(--muted);margin:6px 0 10px;min-height:38px;line-height:1.5}
.cb-all{font-size:13.5px;font-weight:600;color:var(--acc);text-decoration:none}
.cb-all:hover{text-decoration:underline}
.cb-list{list-style:none}
.cb-list li a{display:block;padding:11px 4px 11px 18px;font-size:15px;color:var(--text);text-decoration:none;border-top:1px solid var(--border);position:relative;transition:.15s}
.cb-list li a::before{content:"";position:absolute;left:0;top:50%;width:6px;height:6px;border-radius:50%;background:var(--acc);opacity:.5;transform:translateY(-50%)}
.cb-list li a:hover{color:var(--gold);padding-left:22px}

/* 栏目页 / 库页 / 防骗页 — 文字版编辑式索引（Template B，无图） */
.ed-wrap{max-width:980px;margin:0 auto;}
.ed-index{list-style:none;margin:0;padding:0;}
.ed-row{display:grid;grid-template-columns:48px minmax(0,1fr);grid-template-areas:"num title" ". desc" ". tag";column-gap:18px;row-gap:2px;padding:16px 14px;border-bottom:1px solid var(--border);align-items:baseline;transition:.15s;}
.ed-row:hover{background:var(--bg-soft);}
.ed-num{grid-area:num;font-family:var(--serif);font-size:20px;font-weight:700;color:var(--gold);}
.ed-title{grid-area:title;font-size:17px;font-weight:600;color:var(--navy);text-decoration:none;line-height:1.3;}
.ed-title:hover{color:var(--gold);}
.ed-desc{grid-area:desc;font-size:14px;color:var(--muted);margin-top:3px;line-height:1.55;}
.ed-tag{grid-area:tag;justify-self:start;margin-top:9px;font-size:12px;font-weight:600;color:var(--acc);background:color-mix(in srgb,var(--acc) 10%,#fff);padding:3px 11px;border-radius:999px;}
.cnt-pill{display:inline-block;margin-top:16px;background:rgba(201,162,39,.14);border:1px solid rgba(201,162,39,.42);color:#8a6d12;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;}