/* Pennywise — calm, trustworthy personal finance guides */
:root {
  --bg: #f7f9f8;
  --white: #ffffff;
  --navy: #0f2a3d;
  --navy-2: #1d4058;
  --green: #0f8a5f;
  --green-light: #e3f4ec;
  --mint: #9fe3c4;
  --gold: #f2b134;
  --gold-light: #fff5dc;
  --ink: #1b2730;
  --muted: #5d6b75;
  --line: #e1e7e4;
  --sans: "Avenir Next", Avenir, "Segoe UI", -apple-system, BlinkMacSystemFont, Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: "Charter", "Bitstream Charter", "Sitka Text", Cambria, serif;
}
* { box-sizing: border-box; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--sans); font-size: 17px; line-height: 1.7; font-variant-numeric: tabular-nums; }
a { color: var(--green); }
a:hover { color: var(--navy); }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.2; font-weight: 700; letter-spacing: -.01em; }

/* Header */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); }
.header-inner { max-width: 1160px; margin: 0 auto; padding: 14px 20px; display: flex; align-items: center; gap: 28px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 23px; letter-spacing: -.02em; }
.logo svg { display: block; }
.main-nav { display: flex; gap: 22px; flex: 1; }
.main-nav a { color: var(--navy-2); text-decoration: none; font-weight: 600; font-size: 15px; }
.main-nav a:hover, .main-nav a.active { color: var(--green); }
.btn { display: inline-block; background: var(--green); color: #fff; text-decoration: none; font-weight: 700; padding: 10px 20px; border-radius: 8px; font-size: 15px; }
.btn:hover { background: var(--navy); color: #fff; }
.btn.light { background: #fff; color: var(--navy); }
.btn.light:hover { background: var(--mint); }
.trustbar { background: var(--navy); color: #cfe0ea; font-size: 13px; text-align: center; padding: 7px 16px; }
.trustbar b { color: var(--mint); }

/* Ads */
.ad-unit { text-align: center; }
.ad-label { display: block; font-size: 10px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: #93a1aa; margin-bottom: 4px; }
.ad-top { padding: 16px 20px 6px; min-height: 90px; }
.ad-side { min-height: 250px; margin-bottom: 24px; }
.ad-article { min-height: 280px; margin: 34px 0; padding: 12px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.ad-footer { min-height: 90px; padding: 26px 20px; background: var(--white); border-top: 1px solid var(--line); }
.ad-mobile { display: none; min-height: 50px; padding: 10px 0; }

/* Layout */
.layout { max-width: 1160px; margin: 30px auto 50px; padding: 0 20px; display: grid; grid-template-columns: minmax(0,1fr) 300px; gap: 44px; }
.sidebar { font-size: 15px; }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 22px; margin-bottom: 24px; }
.panel h3 { margin: 0 0 10px; font-size: 18px; }

/* Home hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 70%, #23607a 100%); color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -80px; top: -80px; width: 360px; height: 360px; border-radius: 50%; background: radial-gradient(circle, rgba(159,227,196,.25), transparent 70%); }
.hero-inner { max-width: 1160px; margin: 0 auto; padding: 54px 20px; display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; position: relative; z-index: 1; }
.hero h1 { color: #fff; font-size: 46px; margin: 0 0 14px; }
.hero h1 em { font-style: normal; color: var(--mint); }
.hero p { color: #cfe0ea; font-size: 19px; margin: 0 0 24px; max-width: 540px; }
.hero-card { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); border-radius: 16px; padding: 22px; }
.hero-card h3 { color: #fff; margin: 0 0 12px; font-size: 16px; text-transform: uppercase; letter-spacing: .1em; }
.bar { display: grid; grid-template-columns: 100px 1fr 44px; gap: 10px; align-items: center; font-size: 14px; color: #cfe0ea; margin-bottom: 10px; }
.bar span.track { height: 10px; background: rgba(255,255,255,.12); border-radius: 99px; overflow: hidden; }
.bar span.fill { display: block; height: 100%; background: linear-gradient(90deg, var(--mint), var(--gold)); border-radius: 99px; }

.section-h { display: flex; justify-content: space-between; align-items: baseline; margin: 0 0 16px; }
.section-h h2 { margin: 0; font-size: 26px; }
.section-h a { font-size: 14px; font-weight: 700; text-decoration: none; }

.topics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 40px; }
.topic { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 20px; text-decoration: none; color: var(--ink); transition: border-color .15s, transform .15s; }
.topic:hover { border-color: var(--green); transform: translateY(-2px); color: var(--ink); }
.topic .ic { width: 44px; height: 44px; border-radius: 10px; display: grid; place-items: center; font-size: 22px; background: var(--green-light); margin-bottom: 10px; }
.topic h3 { margin: 0 0 4px; font-size: 18px; }
.topic p { margin: 0; font-size: 14px; color: var(--muted); line-height: 1.5; }
.topic .count { font-size: 12px; font-weight: 700; color: var(--green); margin-top: 8px; display: block; }

.calc-teaser { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 40px; }
.calc { border-radius: 14px; padding: 24px; color: #fff; text-decoration: none; display: block; }
.calc:hover { color: #fff; filter: brightness(1.06); }
.calc.c1 { background: linear-gradient(135deg, var(--green), #0b6b4a); }
.calc.c2 { background: linear-gradient(135deg, #c98a10, var(--gold)); color: var(--navy); }
.calc.c2:hover { color: var(--navy); }
.calc h3 { color: inherit; margin: 6px 0; font-size: 21px; }
.calc p { margin: 0 0 12px; opacity: .9; font-size: 15px; }
.calc .faux { background: rgba(255,255,255,.18); border-radius: 8px; padding: 10px 12px; font-size: 14px; display: flex; justify-content: space-between; }
.calc .label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; opacity: .85; }

.popular { list-style: none; padding: 0; margin: 0; counter-reset: p; background: var(--white); border: 1px solid var(--line); border-radius: 12px; }
.popular li { counter-increment: p; display: grid; grid-template-columns: 52px 1fr auto; align-items: center; gap: 10px; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.popular li:last-child { border-bottom: 0; }
.popular li::before { content: counter(p); width: 36px; height: 36px; border-radius: 50%; background: var(--gold-light); color: #9a6a00; font-weight: 800; display: grid; place-items: center; }
.popular a { font-weight: 700; color: var(--navy); text-decoration: none; }
.popular a:hover { color: var(--green); }
.popular small { display: block; color: var(--muted); font-size: 13px; }
.popular .time { font-size: 13px; color: var(--muted); white-space: nowrap; }

/* Guide */
.crumbs { font-size: 13px; color: var(--muted); }
.crumbs a { color: var(--muted); }
.guide-head h1 { font-size: 42px; margin: 8px 0 12px; }
.guide-head .lede { font-size: 20px; color: var(--navy-2); margin: 0 0 16px; }
.meta-row { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 14px; color: var(--muted); padding: 12px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); align-items: center; }
.meta-row .pill { background: var(--green-light); color: var(--green); font-weight: 700; padding: 2px 10px; border-radius: 99px; font-size: 12px; }
.av { width: 34px; height: 34px; border-radius: 50%; background: linear-gradient(135deg, var(--mint), var(--green)); display: inline-grid; place-items: center; font-size: 18px; vertical-align: middle; margin-right: 6px; }
.toc { background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 16px 22px; margin: 24px 0; }
.toc b { font-size: 13px; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); }
.toc ol { margin: 8px 0 0; padding-left: 20px; }
.toc a { text-decoration: none; }
.guide { font-family: var(--serif); font-size: 18px; }
.guide h2 { font-family: var(--sans); font-size: 27px; margin-top: 40px; scroll-margin-top: 20px; }
.guide h3 { font-family: var(--sans); font-size: 20px; }
.guide li { margin-bottom: 6px; }
.callout { font-family: var(--sans); font-size: 16px; border-radius: 12px; padding: 16px 20px 16px 58px; margin: 24px 0; position: relative; }
.callout::before { position: absolute; left: 18px; top: 15px; font-size: 22px; }
.callout.tip { background: var(--green-light); border: 1px solid #bfe6d3; }
.callout.tip::before { content: "💡"; }
.callout.note { background: var(--gold-light); border: 1px solid #f3dca2; }
.callout.note::before { content: "📌"; }
.callout.key { background: var(--navy); color: #e3eef4; }
.callout.key::before { content: "🔑"; }
.callout.key b { color: var(--mint); }
.callout p { margin: 0; }
table.simple { width: 100%; border-collapse: collapse; font-family: var(--sans); font-size: 15px; background: var(--white); border-radius: 12px; overflow: hidden; border: 1px solid var(--line); margin: 20px 0; }
table.simple caption { text-align: left; font-weight: 700; color: var(--navy); padding-bottom: 8px; }
table.simple th { background: var(--green-light); color: var(--navy); text-align: left; padding: 10px 14px; font-size: 13px; text-transform: uppercase; letter-spacing: .06em; }
table.simple td { padding: 10px 14px; border-top: 1px solid var(--line); }
table.simple td.num { text-align: right; font-weight: 700; }
.faq { font-family: var(--sans); }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 14px 18px; margin-bottom: 10px; }
.faq summary { font-weight: 700; color: var(--navy); cursor: pointer; }
.faq details p { margin: 10px 0 0; font-size: 16px; }
.disclaimer { font-family: var(--sans); font-size: 13px; color: var(--muted); border: 1px dashed #c8d2cd; border-radius: 10px; padding: 12px 16px; margin-top: 32px; }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { padding: 6px 0 6px 28px; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 800; }

/* Footer */
.site-footer { background: var(--navy); color: #a9bfcc; padding: 40px 20px 26px; font-size: 14px; }
.footer-inner { max-width: 1160px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 26px; }
.site-footer h4 { color: #fff; margin: 0 0 8px; font-size: 15px; }
.site-footer a { color: #cfe0ea; display: block; text-decoration: none; padding: 2px 0; }
.site-footer a:hover { color: var(--mint); }
.site-footer .legal { max-width: 1160px; margin: 26px auto 0; padding-top: 16px; border-top: 1px solid #24465d; font-size: 12px; line-height: 1.6; }

@media (max-width: 1000px) {
  .layout { grid-template-columns: 1fr; }
  .hero-inner { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .ad-desktop { display: none !important; }
  .ad-mobile { display: block; }
  .main-nav { display: none; }
  .header-inner { justify-content: space-between; }
  .hero h1 { font-size: 32px; }
  .hero-inner { padding: 34px 20px; }
  .topics { grid-template-columns: 1fr; }
  .calc-teaser { grid-template-columns: 1fr; }
  .guide-head h1 { font-size: 31px; }
  .popular li { grid-template-columns: 46px 1fr; }
  .popular .time { display: none; }
  .footer-inner { grid-template-columns: 1fr; }
}