/* Unpack Money — design system v2 (master brief §6-7)
   Deep Navy #102A43 / Fresh Green #28A96B / Warm Off-White #F8FAF7
   Charcoal #263238 / Soft Blue #EAF3F8 / Gold #E7B84B (sparingly)
   Headings: Manrope. Body: Inter. Mobile-first. */

:root {
  --navy: #102A43;
  --navy-deep: #0A1E33;
  --green: #28A96B;
  --green-deep: #1E8A56;
  --green-soft: #E3F4EA;
  --paper: #F8FAF7;
  --ink: #263238;
  --muted: #5C6F7B;
  --panel: #EAF3F8;
  --gold: #E7B84B;
  --line: #DFE7E4;
  --radius: 14px;
  --font-display: "Manrope", system-ui, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--font-body); color: var(--ink);
  background: var(--paper); line-height: 1.65; font-size: 17px;
}
h1, h2, h3 { font-family: var(--font-display); color: var(--navy); line-height: 1.15; margin: 0 0 .5em; font-weight: 800; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.3rem, 5vw, 3.7rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.18rem; font-weight: 700; }
p { margin: 0 0 1em; }
a { color: var(--navy); }
img { max-width: 100%; height: auto; }

.wrap { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.wrap.narrow { max-width: 780px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.skip { position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff; padding: 10px 16px; z-index: 99; border-radius: 0 0 8px 0; }
.skip:focus { left: 0; }

.eyebrow { font-size: .78rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--green-deep); margin: 0 0 .8em; }
.lede { font-size: 1.16rem; max-width: 660px; }
mark.hl { background: none; color: inherit; box-shadow: inset 0 -0.32em var(--green-soft); padding: 0 .06em; }

/* ---------- header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: var(--navy); }
.header-in { display: flex; align-items: center; gap: 14px; padding-top: 12px; padding-bottom: 12px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; font-family: var(--font-display); font-weight: 800; font-size: 1.22rem; }
.brand img { border-radius: 8px; background: var(--paper); }
.site-nav { display: none; }
.site-nav.open { display: block; position: absolute; top: 100%; left: 0; right: 0; background: var(--navy); border-top: 1px solid rgba(255,255,255,.12); max-height: 70vh; overflow: auto; }
.site-nav ul { list-style: none; margin: 0; padding: 8px 20px 16px; display: grid; gap: 2px; }
.site-nav a { display: block; padding: 9px 4px; text-decoration: none; font-weight: 600; color: #fff; border-radius: 8px; font-size: .95rem; }
.site-nav a:hover, .site-nav a.active { background: rgba(255,255,255,.1); }
.site-nav .nav-sec { border-top: 1px solid rgba(255,255,255,.12); margin-top: 6px; padding-top: 6px; }
.nav-toggle { margin-left: auto; background: none; border: 1px solid rgba(255,255,255,.35); border-radius: 8px; padding: 10px; cursor: pointer; display: flex; flex-direction: column; gap: 4px; }
.nav-toggle span { display: block; width: 20px; height: 2px; background: #fff; }
.header-actions { display: none; }
.search-btn { background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25); color: #fff; border-radius: 999px; padding: 8px 16px; font: inherit; cursor: pointer; }
.search-panel { border-top: 1px solid rgba(255,255,255,.12); padding: 16px 0; background: var(--navy-deep); }
.search-panel input, .hero-search input { width: 100%; font: inherit; padding: 14px 18px; border: 1px solid var(--line); border-radius: 12px; background: #fff; color: var(--ink); }
.search-results { margin-top: 8px; border-radius: 12px; overflow: hidden; }
.search-results a { display: block; padding: 10px 14px; background: #fff; border: 1px solid var(--line); border-top: 0; text-decoration: none; color: var(--ink); }
.search-results a:first-child { border-top: 1px solid var(--line); border-radius: 12px 12px 0 0; }
.search-results a:last-child { border-radius: 0 0 12px 12px; }
.search-results a:hover { background: var(--panel); }
.search-results .sr-type { font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; color: var(--green-deep); font-weight: 800; display: block; }

/* ---------- buttons / cards ---------- */
.btn { display: inline-block; padding: 13px 24px; border-radius: 999px; border: 1.5px solid var(--navy); color: var(--navy); background: transparent; font: inherit; font-weight: 700; text-decoration: none; cursor: pointer; text-align: center; }
.btn-primary, .btn:hover { background: var(--green); border-color: var(--green); color: #fff; }
.btn-primary:hover { background: var(--green-deep); border-color: var(--green-deep); }
.btn-sm { padding: 9px 18px; font-size: .9rem; }
.btn-light { border-color: #fff; color: #fff; }
.btn-light:hover { background: #fff; color: var(--navy); border-color: #fff; }

.grid { display: grid; gap: 16px; }
.cards-3, .cards-4, .cards-5 { grid-template-columns: 1fr; }
.card { display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-decoration: none; transition: transform .15s ease, box-shadow .15s ease; }
a.card:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(16,42,67,.1); }
.card h3 { margin-bottom: .35em; }
.card p { color: var(--muted); font-size: .95rem; margin-bottom: .8em; }
.card-tag { font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--green-deep); margin: 0 0 .6em; }
.card-go { font-weight: 700; font-size: .92rem; color: var(--green-deep); }
.card .updated { font-size: .8rem; color: var(--muted); }
.card.static { cursor: default; }
.card-icon { display: inline-flex; width: 52px; height: 52px; border-radius: 14px;
  background: var(--panel); align-items: center; justify-content: center; margin-bottom: 14px; overflow: hidden; }
.card-icon img { width: 46px; height: 46px; border-radius: 10px; object-fit: cover; }
.card:hover .card-icon { background: #D9E9F2; }
.hub-icon { display: inline-flex; width: 60px; height: 60px; border-radius: 16px;
  background: var(--panel); align-items: center; justify-content: center; margin-bottom: 16px; overflow: hidden; }
.hub-icon img { width: 54px; height: 54px; border-radius: 12px; object-fit: cover; }
.card.static:hover { transform: none; box-shadow: none; }

/* ---------- hero ---------- */
.hero { padding: 68px 0 52px; background: var(--paper); }
.hero h1 { max-width: 15ch; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0; }
.hero-search { display: flex; gap: 10px; max-width: 640px; position: relative; flex-wrap: wrap; }
.hero-search input { flex: 1 1 280px; }
.hero-search .search-results { position: absolute; top: 100%; left: 0; right: 0; z-index: 20; text-align: left; }
.search-examples { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; padding: 14px 0 0; margin: 0; font-size: .88rem; color: var(--muted); }
.search-examples li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 5px 14px; }

/* ---------- sections ---------- */
.section { padding: 54px 0; }
.section.alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section.panel { background: var(--panel); }
.sec-head { max-width: 700px; margin-bottom: 28px; }
.sec-head p { color: var(--muted); }
.sec-note { color: var(--muted); font-size: .92rem; margin-top: 18px; }

.steps { grid-template-columns: 1fr; counter-reset: step; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; position: relative; }
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: var(--green); color: #fff; font-weight: 800; font-family: var(--font-display); margin-bottom: 12px; }

.tools { grid-template-columns: 1fr; }
.tool { display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; text-decoration: none; }
.tool:hover { border-color: var(--green); }
.tool-ico { color: var(--green); font-size: 1.3rem; line-height: 1.4; }
.tool strong { display: block; color: var(--navy); }
.tool small { color: var(--muted); }

.trust-grid { display: grid; gap: 14px; grid-template-columns: 1fr; }
.trust-item { display: flex; gap: 12px; align-items: flex-start; }
.trust-item .tick { color: var(--green); font-weight: 800; font-size: 1.2rem; line-height: 1.4; }

/* ---------- hub ---------- */
.hub-hero { padding: 48px 0 8px; }
.crumbs { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; padding: 0; margin: 0 0 18px; font-size: .88rem; color: var(--muted); }
.crumbs li + li::before { content: "/"; margin-right: 8px; }
.crumbs a { color: var(--muted); }

/* ---------- unpack box + verdict (§30-31) ---------- */
.unpack-box { background: var(--panel); border: 1px solid var(--line); border-left: 4px solid var(--green); border-radius: 12px; padding: 22px; margin: 0 0 1.6em; }
.unpack-box .ub-title { font-family: var(--font-display); font-weight: 800; letter-spacing: .1em; font-size: .82rem; color: var(--navy); margin: 0 0 10px; }
.unpack-box dl { display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; margin: 0; font-size: .95rem; }
.unpack-box dt { font-weight: 700; color: var(--navy); }
.unpack-box dd { margin: 0; }
.verdict { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 22px; margin: 0 0 1.6em; }
.verdict h3 { color: var(--navy); }
.verdict .v-row { margin-bottom: .6em; font-size: .95rem; }
.verdict .v-row strong { color: var(--navy); }

/* ---------- calculators ---------- */
.calc { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: clamp(20px, 4vw, 36px); }
.calc-grid { display: grid; gap: 14px; grid-template-columns: 1fr; margin-bottom: 18px; }
.calc label { display: grid; gap: 6px; font-weight: 600; font-size: .92rem; color: var(--navy); }
.calc input, .calc select { font: inherit; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--ink); width: 100%; }
.calc-results { background: var(--panel); border-radius: 12px; padding: 20px; margin: 6px 0 18px; }
.calc-results .big { font-family: var(--font-display); font-weight: 800; font-size: 2rem; color: var(--navy); }
.calc-results .row { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-top: 1px solid var(--line); font-size: .95rem; }
.calc-results .row:first-of-type { border-top: 0; }
.calc-note { font-size: .88rem; color: var(--muted); }
.fresh { display: inline-block; font-size: .78rem; font-weight: 800; padding: 3px 10px; border-radius: 999px; }
.fresh.green { background: var(--green-soft); color: var(--green-deep); }
.fresh.yellow { background: #FDF3E0; color: #9A6B12; }
.fresh.red { background: #FBE9E7; color: #B3402E; }

/* ---------- quiz ---------- */
.quiz { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: clamp(20px, 4vw, 36px); max-width: 720px; }
.quiz-q { font-family: var(--font-display); font-weight: 800; font-size: 1.35rem; color: var(--navy); margin-bottom: 16px; }
.quiz-opts { display: grid; gap: 10px; }
.quiz-opts button { text-align: left; font: inherit; font-weight: 600; padding: 14px 18px; border: 1.5px solid var(--line); border-radius: 12px; background: var(--paper); cursor: pointer; color: var(--ink); }
.quiz-opts button:hover { border-color: var(--green); background: var(--green-soft); }
.quiz-progress { font-size: .85rem; color: var(--muted); margin-bottom: 10px; }

/* ---------- comparison table ---------- */
.cmp-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
table.cmp { border-collapse: collapse; width: 100%; min-width: 560px; font-size: .95rem; }
table.cmp th, table.cmp td { padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--line); }
table.cmp thead th { background: var(--navy); color: #fff; font-family: var(--font-display); }
table.cmp tbody th { color: var(--navy); font-weight: 700; background: var(--paper); white-space: nowrap; }

/* ---------- newsletter / disclosure / footer ---------- */
.newsletter { background: var(--navy); color: #fff; padding: 58px 0; }
.newsletter .eyebrow { color: var(--green); }
.newsletter h2 { color: #fff; }
.newsletter p { color: #C7D5E2; }
.nl-in { display: grid; gap: 28px; }
.nl-form { display: grid; gap: 10px; max-width: 480px; }
.nl-form input[type="email"], .nl-form input[type="text"] { font: inherit; padding: 13px 16px; border-radius: 10px; border: 1px solid #3a4a63; background: #fff; color: var(--ink); }
.nl-form .btn { background: var(--green); border-color: var(--green); color: #fff; }
.nl-form .btn:hover { background: var(--green-deep); border-color: var(--green-deep); }
.nl-topics { border: 0; padding: 0; margin: 4px 0; display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .9rem; color: #C7D5E2; }
.nl-topics legend { padding: 0; margin-bottom: 6px; font-weight: 700; color: #fff; }
.nl-msg { background: var(--green); color: #fff; padding: 12px 16px; border-radius: 10px; margin: 0; }

.disclosure-band { background: var(--green-soft); border-top: 3px solid var(--green); padding: 20px 0; font-size: .9rem; color: var(--ink); }
.disclosure-band p { margin: 0; }

.site-footer { background: var(--navy-deep); color: #C7D5E2; padding: 54px 0 28px; }
.foot-grid { display: grid; gap: 32px; margin-bottom: 32px; }
.foot-tag { font-family: var(--font-display); font-weight: 800; font-size: 1.2rem; color: #fff; margin: 12px 0 6px; }
.foot-tag span { font-size: .95rem; color: var(--green); font-family: var(--font-body); font-weight: 600; }
.foot-note { font-size: .92rem; max-width: 320px; }
.foot-h { font-weight: 800; color: #fff; margin: 0 0 10px; font-size: .95rem; }
.foot-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; font-size: .92rem; }
.foot-links a { color: #C7D5E2; text-decoration: none; }
.foot-links a:hover { color: var(--green); }
.disclosure { font-size: .85rem; border-top: 1px solid rgba(255,255,255,.14); padding-top: 20px; }
.foot-legal { font-size: .82rem; color: #8b98ac; margin: 12px 0 0; }

/* ---------- article ---------- */
.article-meta { color: var(--muted); font-size: .9rem; margin-bottom: 1.4em; }
.article-meta strong { color: var(--navy); }
.key-takeaways { background: var(--panel); border-radius: 12px; padding: 20px 22px; margin: 0 0 1.6em; }
.key-takeaways h2 { font-size: 1.05rem; margin-bottom: .5em; }
.key-takeaways ul { margin: 0; padding-left: 1.2em; }
.faq details { border: 1px solid var(--line); border-radius: 10px; padding: 14px 18px; margin-bottom: 10px; background: #fff; }
.faq summary { font-weight: 700; color: var(--navy); cursor: pointer; }
.sources { font-size: .88rem; color: var(--muted); }
.sources ul { padding-left: 1.2em; }

/* ---------- larger screens ---------- */
@media (min-width: 720px) {
  .cards-3, .steps { grid-template-columns: repeat(2, 1fr); }
  .cards-4 { grid-template-columns: repeat(2, 1fr); }
  .tools { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .nl-in { grid-template-columns: 1fr 1fr; align-items: start; }
  .foot-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; }
}
@media (min-width: 1024px) {
  .nav-toggle { display: none; }
  .site-nav { display: flex; align-items: center; }
  .site-nav ul { display: flex; gap: 2px; padding: 0; align-items: center; }
  .site-nav a { padding: 8px 9px; font-size: .88rem; white-space: nowrap; }
  .site-nav .nav-sec { border: 0; margin: 0; padding: 0; display: flex; border-left: 1px solid rgba(255,255,255,.2); margin-left: 6px; padding-left: 6px; }
  .header-actions { display: flex; gap: 10px; margin-left: auto; align-items: center; }
  .cards-3, .steps { grid-template-columns: repeat(3, 1fr); }
  .cards-4 { grid-template-columns: repeat(4, 1fr); }
  .cards-5 { grid-template-columns: repeat(5, 1fr); }
  .tools { grid-template-columns: repeat(3, 1fr); }
  .calc-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  a.card:hover { transform: none; }
}
:focus-visible { outline: 3px solid var(--green); outline-offset: 2px; }