/* FigureWise — finance calculators & guides
   Palette: deep navy ink, indigo-blue brand, warm gold accent, clean paper bg */
:root{
  --ink:#0E1A2B; --ink-2:#3A4A60; --muted:#6B7A90;
  --brand:#2F54D8; --brand-2:#1E3A9E; --accent:#F2A93B; --accent-2:#E0941F;
  --bg:#F6F8FC; --paper:#FFFFFF; --line:#E4E9F2; --line-2:#D3DBEA;
  --good:#15875A; --bad:#C0392B;
  --shadow:0 1px 2px rgba(14,26,43,.06),0 8px 24px rgba(14,26,43,.06);
  --shadow-lg:0 12px 40px rgba(14,26,43,.12);
  --r:14px; --r-sm:10px;
  --maxw:1120px;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  --disp:'Space Grotesk',var(--sans);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);
  font-size:17px;line-height:1.65;font-feature-settings:"tnum" 0;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--disp);line-height:1.18;color:var(--ink);font-weight:700;letter-spacing:-.01em}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:var(--ink);color:#fff;padding:10px 14px;border-radius:8px;z-index:50}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}

/* Header */
.site-head{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.86);
  backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line)}
.head-inner{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.brand{display:flex;align-items:center;gap:10px}
.brand:hover{text-decoration:none}
.brand-logo{display:block;border-radius:8px}
.brand-mark{font-family:var(--disp);font-weight:700;font-size:1.32rem;color:var(--ink);letter-spacing:-.02em}
.brand-mark .a{color:var(--brand)}
.site-nav{display:flex;align-items:center;gap:6px}
.site-nav a{color:var(--ink-2);font-weight:600;font-size:.95rem;padding:8px 12px;border-radius:8px}
.site-nav a:hover{color:var(--brand);background:#EEF2FE;text-decoration:none}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;width:42px;height:42px;flex-direction:column;justify-content:center;gap:5px;padding:8px}
.nav-toggle span{display:block;height:2.5px;background:var(--ink);border-radius:2px}

/* Hero */
.hero{background:
   radial-gradient(900px 380px at 88% -10%, rgba(47,84,216,.12), transparent 60%),
   radial-gradient(700px 320px at 6% 0%, rgba(242,169,59,.12), transparent 55%),
   linear-gradient(180deg,#fff,var(--bg));
  border-bottom:1px solid var(--line);padding:64px 0 56px}
.hero h1{font-size:clamp(2rem,4.6vw,3.15rem);margin:.18em 0 .35em}
.hero h1 .a{color:var(--brand);position:relative}
.hero p{font-size:1.12rem;color:var(--ink-2);max-width:660px;margin:0}
.eyebrow{display:inline-block;font-family:var(--disp);font-weight:600;font-size:.74rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--brand-2);background:#EAF0FF;border:1px solid #D6E0FF;
  padding:6px 12px;border-radius:999px;margin:0}

/* Section heading */
.sec-head{display:flex;align-items:center;gap:14px;margin:48px 0 20px}
.sec-head h2{font-size:1.45rem;margin:0;position:relative;padding-left:16px}
.sec-head h2::before{content:"";position:absolute;left:0;top:.12em;bottom:.12em;width:5px;border-radius:4px;
  background:linear-gradient(var(--accent),var(--accent-2))}
.sec-head::after{content:"";flex:1;height:1px;background:var(--line)}

/* Card grid */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:20px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;
  box-shadow:var(--shadow);transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--line-2)}
.card a{display:block;color:inherit}
.card a:hover{text-decoration:none}
.card-body{padding:20px 20px 22px}
.card h3{font-size:1.14rem;margin:.5rem 0 .4rem;color:var(--ink)}
.card p{margin:0;color:var(--ink-2);font-size:.96rem;line-height:1.55}
.tag{display:inline-block;font-family:var(--disp);font-weight:600;font-size:.68rem;letter-spacing:.07em;
  text-transform:uppercase;color:var(--brand-2);background:#EEF2FE;padding:4px 9px;border-radius:6px}
.meta{display:flex;align-items:center;gap:9px;margin-top:14px;color:var(--muted);font-size:.84rem}
.meta .dot{width:3px;height:3px;border-radius:50%;background:var(--line-2)}
.card-cta{display:inline-block;margin-top:14px;font-weight:700;font-size:.92rem;color:var(--brand)}
.calc-card{border-top:3px solid var(--brand)}
.calc-card:nth-child(3n+2){border-top-color:var(--accent)}
.calc-card:nth-child(3n+3){border-top-color:var(--good)}

/* Article / tool body */
.article,.tool{max-width:780px;margin:0 auto;padding:40px 22px 24px}
.crumbs{color:var(--muted);font-size:.86rem;margin:0 0 14px}
.article h1,.tool h1{font-size:clamp(1.7rem,3.4vw,2.5rem);margin:.1em 0 .35em}
.lede{font-size:1.16rem;color:var(--ink-2);margin:0 0 14px;line-height:1.55}
.byline,.updated{display:flex;flex-wrap:wrap;gap:8px 18px;color:var(--muted);font-size:.9rem;
  padding-bottom:18px;margin-bottom:8px;border-bottom:1px solid var(--line)}
.updated{border:0}

/* Prose */
.prose{font-size:1.06rem;color:#1B2A40}
.prose h2{font-size:1.5rem;margin:1.9em 0 .55em;padding-top:.2em}
.prose h3{font-size:1.16rem;margin:1.5em 0 .4em;color:var(--ink)}
.prose p{margin:0 0 1.05em}
.prose ul,.prose ol{margin:0 0 1.15em;padding-left:1.3em}
.prose li{margin:.4em 0}
.prose a{color:var(--brand);text-decoration:underline;text-underline-offset:2px}
.prose strong{color:var(--ink)}
.callout{background:#FFF8EC;border:1px solid #F6E2BC;border-left:4px solid var(--accent);
  border-radius:var(--r-sm);padding:16px 18px;margin:1.5em 0;font-size:1rem;color:#5B4A24}
.callout strong{display:block;font-family:var(--disp);color:var(--accent-2);margin-bottom:4px;font-size:.95rem}

/* ===== Calculator widget ===== */
.calc{background:var(--paper);border:1px solid var(--line-2);border-radius:var(--r);
  box-shadow:var(--shadow);padding:22px;margin:8px 0 26px}
.calc .fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.calc .field{display:flex;flex-direction:column;gap:6px}
.calc .field.full{grid-column:1/-1}
.calc label{font-weight:600;font-size:.9rem;color:var(--ink-2)}
.calc .hint{font-size:.78rem;color:var(--muted);font-weight:400}
.calc .inp{position:relative;display:flex;align-items:center}
.calc .inp .pre,.calc .inp .post{position:absolute;color:var(--muted);font-weight:600;font-size:.95rem}
.calc .inp .pre{left:12px}.calc .inp .post{right:12px}
.calc input[type=number],.calc select{width:100%;font-family:var(--sans);font-size:1rem;font-weight:600;
  color:var(--ink);background:#FBFCFE;border:1.5px solid var(--line-2);border-radius:var(--r-sm);
  padding:11px 12px;font-feature-settings:"tnum" 1;appearance:none}
.calc .inp.has-pre input{padding-left:26px}
.calc .inp.has-post input{padding-right:42px}
.calc input:focus,.calc select:focus{border-color:var(--brand);outline:none;background:#fff;
  box-shadow:0 0 0 3px rgba(47,84,216,.14)}
.calc .btn{grid-column:1/-1;margin-top:4px;display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--disp);font-weight:700;font-size:1.02rem;color:#fff;cursor:pointer;
  background:linear-gradient(180deg,var(--brand),var(--brand-2));border:0;border-radius:var(--r-sm);
  padding:13px 18px;transition:filter .15s,transform .05s}
.calc .btn:hover{filter:brightness(1.07)}
.calc .btn:active{transform:translateY(1px)}
.calc .result{margin-top:20px;border-top:1px dashed var(--line-2);padding-top:18px;display:none}
.calc .result.show{display:block}
.calc .res-main{background:linear-gradient(180deg,#EEF2FE,#fff);border:1px solid #D6E0FF;
  border-radius:var(--r-sm);padding:16px 18px;text-align:center;margin-bottom:14px}
.calc .res-main .lbl{font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;color:var(--brand-2);font-weight:700}
.calc .res-main .val{font-family:var(--disp);font-size:2.2rem;font-weight:700;color:var(--ink);
  font-feature-settings:"tnum" 1;margin-top:2px;line-height:1.1}
.calc .res-rows{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.calc .res-row{background:#FAFBFE;border:1px solid var(--line);border-radius:var(--r-sm);padding:11px 13px}
.calc .res-row .k{font-size:.8rem;color:var(--muted);font-weight:500}
.calc .res-row .v{font-family:var(--disp);font-weight:600;font-size:1.12rem;color:var(--ink);
  font-feature-settings:"tnum" 1;margin-top:1px}
.calc .note{font-size:.82rem;color:var(--muted);margin:12px 2px 0}
.calc .err{color:var(--bad);font-weight:600;font-size:.9rem;margin-top:10px;display:none}
.calc .err.show{display:block}

/* Ad slot — reserved, no layout shift; invisible until filled */
.ad-slot{min-height:0;margin:26px 0}
.ad-slot:not(:empty){min-height:90px}

/* Related */
.related{max-width:none;margin-top:40px}
.related .grid{margin-top:8px}

/* Footer */
.site-foot{background:var(--ink);color:#C7D2E2;margin-top:64px;padding:48px 0 26px}
.foot-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:30px}
.foot-brand .brand-mark{color:#fff;font-size:1.3rem}
.foot-brand .brand-mark .a{color:var(--accent)}
.foot-brand p{margin:10px 0 0;color:#9DAAC0;font-size:.94rem;max-width:34ch}
.foot-loc{font-size:.82rem !important;color:#7C8AA3 !important}
.foot-col h4{color:#fff;font-size:.95rem;margin:0 0 12px}
.foot-col a{display:block;color:#AEBACE;font-size:.92rem;padding:5px 0}
.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:18px}
.foot-bottom p{margin:0;color:#7C8AA3;font-size:.84rem}

@media(max-width:780px){
  body{font-size:16px}
  .nav-toggle{display:flex}
  .site-nav{position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:stretch;gap:0;padding:8px 14px 14px;display:none;box-shadow:var(--shadow)}
  .site-nav.open{display:flex}
  .site-nav a{padding:12px 10px;border-radius:8px}
  .hero{padding:46px 0 40px}
  .calc .fields{grid-template-columns:1fr}
  .calc .res-rows{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:24px}
  .foot-brand{grid-column:1/-1}
}

/* Static pages + contact form */
.page{max-width:780px;margin:0 auto;padding:40px 22px 24px}
.page h1{font-size:clamp(1.7rem,3.4vw,2.4rem);margin:.1em 0 .3em}
.page .prose{margin-top:8px}
.cform{display:grid;gap:14px;margin:22px 0 8px;background:var(--paper);border:1px solid var(--line);
  border-radius:var(--r);padding:22px;box-shadow:var(--shadow)}
.cform label{font-weight:600;font-size:.9rem;color:var(--ink-2);display:block;margin-bottom:6px}
.cform input,.cform textarea{width:100%;font-family:var(--sans);font-size:1rem;color:var(--ink);
  background:#FBFCFE;border:1.5px solid var(--line-2);border-radius:var(--r-sm);padding:11px 12px}
.cform input:focus,.cform textarea:focus{border-color:var(--brand);outline:none;
  box-shadow:0 0 0 3px rgba(47,84,216,.14)}
.cform button{justify-self:start;font-family:var(--disp);font-weight:700;color:#fff;cursor:pointer;
  background:linear-gradient(180deg,var(--brand),var(--brand-2));border:0;border-radius:var(--r-sm);padding:12px 22px}