/* Financial Focus 360 - site stylesheet.
   Obsidian / alabaster / brass. Instrument Serif for display, Hanken Grotesk for
   everything a reader has to parse quickly (UI, body, numbers). */

@font-face{font-family:"Instrument Serif";src:url(../fonts/instrument-latin.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Instrument Serif";src:url(../fonts/instrument-italic-latin.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Hanken Grotesk";src:url(../fonts/hanken-latin.woff2) format("woff2");font-weight:300 700;font-style:normal;font-display:swap}

:root{
  --ink:#14171A; --ink-2:#22272C; --ink-3:#3A4047;
  --paper:#F6F3EE; --stone:#ECE7DE; --card:#FFFFFF;
  --line:#DCD5C9; --line-2:#E9E4DA;
  --muted:#5D636A; --soft:#80868D;
  --brass:#A6824A; --brass-2:#C2A06A; --brass-ink:#7A5B2C; --brass-wash:#F3ECDF;
  --good:#3D6B4C; --good-wash:#EAF1EC; --bad:#97392F; --bad-wash:#F7E9E6;
  --serif:"Instrument Serif",ui-serif,Georgia,serif;
  --sans:"Hanken Grotesk",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  --wrap:1200px; --gut:clamp(18px,4vw,40px);
  --r:14px; --r-sm:8px;
  --shadow:0 1px 2px rgba(20,23,26,.04),0 8px 28px -12px rgba(20,23,26,.12);
  /* wiz-subscribe reads these */
  --wiz-accent:var(--ink); --wiz-on-accent:#fff; --wiz-primary:var(--ink);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.65 var(--sans);font-feature-settings:"ss01","cv11";-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--brass-ink);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--ink)}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px;border-radius:4px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.wrap--narrow{max-width:820px}
.num{font-variant-numeric:tabular-nums lining-nums}

h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.08;letter-spacing:-.012em;margin:0;color:var(--ink)}
h1{font-size:clamp(40px,6.2vw,76px)}
h2{font-size:clamp(30px,3.6vw,46px)}
h3{font-size:clamp(22px,2.2vw,27px);line-height:1.18}
h4{font-family:var(--sans);font-weight:600;font-size:17px;letter-spacing:0;line-height:1.35}
em.b,.b-it{font-style:italic;color:var(--brass-ink)}
.kicker{display:inline-flex;align-items:center;gap:10px;font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brass-ink)}
.kicker::before{content:"";width:22px;height:1px;background:var(--brass)}
.lede{font-size:clamp(18px,1.6vw,21px);line-height:1.6;color:var(--muted);max-width:640px}
.rule{height:1px;background:var(--line);border:0;margin:0}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:0 24px;border-radius:999px;font:600 15px/1 var(--sans);letter-spacing:.01em;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s,transform .2s}
.btn svg{width:16px;height:16px;transition:transform .2s}
.btn:hover svg{transform:translateX(3px)}
.btn--ink{background:var(--ink);color:#fff}
.btn--ink:hover{background:var(--ink-3);color:#fff}
.btn--brass{background:var(--brass);color:#fff}
.btn--brass:hover{background:var(--brass-ink);color:#fff}
.btn--line{border-color:var(--ink);color:var(--ink);background:transparent}
.btn--line:hover{background:var(--ink);color:#fff}
.btn--ghost-light{border-color:rgba(246,243,238,.45);color:var(--paper)}
.btn--ghost-light:hover{background:var(--paper);color:var(--ink)}
.btn--sm{min-height:40px;padding:0 18px;font-size:14px}
.btn--block{width:100%}
.link-arrow{display:inline-flex;align-items:center;gap:8px;font:600 14px/1 var(--sans);color:var(--ink);text-decoration:none;letter-spacing:.02em}
.link-arrow svg{width:15px;height:15px;transition:transform .2s;color:var(--brass)}
.link-arrow:hover svg{transform:translateX(4px)}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:50;background:rgba(246,243,238,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hdr__in{display:flex;align-items:center;justify-content:space-between;gap:24px;height:76px}
.brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);flex-shrink:0}
.brand svg{width:38px;height:38px}
.brand__wm{font:400 25px/1 var(--serif);letter-spacing:-.01em;white-space:nowrap}
.brand__wm b{font:600 11px/1 var(--sans);letter-spacing:.18em;color:var(--brass);vertical-align:1.05em;margin-left:4px}
.nav{display:flex;align-items:center;gap:4px}
.nav__item{position:relative}
.nav__link{display:inline-flex;align-items:center;gap:6px;height:76px;padding:0 14px;font:500 15px/1 var(--sans);color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer}
.nav__link svg{width:12px;height:12px;opacity:.55;transition:transform .2s}
.nav__link:hover,.nav__item:focus-within>.nav__link{color:var(--brass-ink)}
.nav__item:hover>.nav__link svg,.nav__item:focus-within>.nav__link svg{transform:rotate(180deg)}
.nav__panel{position:absolute;left:50%;top:100%;transform:translate(-50%,8px);min-width:320px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 24px 60px -24px rgba(20,23,26,.35);padding:12px;opacity:0;visibility:hidden;transition:opacity .18s,transform .18s,visibility .18s}
.nav__item:hover .nav__panel,.nav__item:focus-within .nav__panel{opacity:1;visibility:visible;transform:translate(-50%,0)}
.nav__panel a{display:block;padding:11px 14px;border-radius:10px;text-decoration:none;color:var(--ink)}
.nav__panel a:hover{background:var(--paper)}
.nav__panel a strong{display:block;font:600 15px/1.3 var(--sans)}
.nav__panel a span{display:block;font-size:13px;line-height:1.4;color:var(--muted);margin-top:2px}
.nav__panel--wide{min-width:560px;display:grid;grid-template-columns:1fr 1fr;gap:2px}
.nav__cta{margin-left:10px}
.burger{display:none;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--card);align-items:center;justify-content:center;cursor:pointer}
.burger svg{width:20px;height:20px}
.hdr--min .hdr__in{justify-content:center}
.drawer{display:none}
@media (max-width:1060px){
  .nav{display:none}
  .burger{display:inline-flex}
  .drawer{position:fixed;inset:76px 0 0 0;background:var(--paper);overflow:auto;padding:16px var(--gut) 40px;z-index:49;border-top:1px solid var(--line)}
  .drawer.open{display:block}
  .drawer h5{font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brass-ink);margin:22px 0 8px}
  .drawer a{display:block;padding:11px 0;border-bottom:1px solid var(--line-2);text-decoration:none;color:var(--ink);font-size:17px}
  .drawer .btn{margin-top:22px;border-bottom:0;display:flex}
}

/* ---------- ads ---------- */
.ff-ad{display:flex;justify-content:center;margin:0}
.ff-ad>div:not(:empty){margin:28px auto}
.ff-ad--rail>div{min-height:250px;width:300px;max-width:100%}
.ff-ad--rail>div:not(:empty){margin:0 auto}
.ff-ad--top>div:not(:empty){margin:18px auto}

/* ---------- hero (home) ---------- */
.hero{position:relative;padding:clamp(40px,7vw,96px) 0 clamp(48px,7vw,104px);overflow:hidden}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,5vw,72px);align-items:center}
.hero h1{margin:22px 0 22px}
.hero h1 em{font-style:italic;color:var(--brass-ink)}
.hero__ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
.hero__fig{position:relative}
.hero__fig img{width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:220px 220px var(--r) var(--r)}
.hero__dial{position:absolute;left:-34px;bottom:46px;width:150px;height:150px;border-radius:50%;background:var(--ink);color:var(--paper);display:grid;place-items:center;text-align:center;box-shadow:0 18px 40px -16px rgba(20,23,26,.5)}
.hero__dial b{display:block;font:400 46px/1 var(--serif)}
.hero__dial span{display:block;font:600 10px/1.4 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brass-2);margin-top:4px}
.hero__meta{display:flex;gap:28px;margin-top:44px;padding-top:26px;border-top:1px solid var(--line);flex-wrap:wrap}
.hero__meta div{font-size:14px;color:var(--muted)}
.hero__meta b{display:block;font:400 32px/1 var(--serif);color:var(--ink);margin-bottom:6px}
@media (max-width:900px){.hero__grid{grid-template-columns:1fr}.hero__fig{max-width:520px}.hero__fig img{border-radius:160px 160px var(--r) var(--r)}.hero__dial{left:auto;right:16px;bottom:-30px;width:118px;height:118px}.hero__dial b{font-size:36px}}

/* ---------- sections ---------- */
.sec{padding:clamp(56px,8vw,112px) 0}
.sec--tight{padding:clamp(40px,5vw,64px) 0}
.sec--stone{background:var(--stone)}
.sec--card{background:var(--card)}
.sec--ink{background:var(--ink);color:var(--paper)}
.sec--ink h2,.sec--ink h3{color:var(--paper)}
.sec--ink .lede{color:#B9BCC0}
.sec--ink .kicker{color:var(--brass-2)}
.sec__head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:clamp(30px,4vw,52px);flex-wrap:wrap}
.sec__head h2{margin-top:16px;max-width:760px}
.sec__head .lede{margin-top:14px}

/* pillars grid */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.pillar{position:relative;display:block;padding:34px 30px 30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);background:var(--paper);transition:background .25s}
.pillar:hover{background:var(--card)}
.pillar__n{font:400 15px/1 var(--serif);font-style:italic;color:var(--brass)}
.pillar h3{margin:46px 0 8px}
.pillar p{margin:0;color:var(--muted);font-size:15px}
.pillar .link-arrow{margin-top:22px;opacity:0;transform:translateY(4px);transition:all .25s}
.pillar:hover .link-arrow{opacity:1;transform:none}
@media (max-width:900px){.pillars{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.pillars{grid-template-columns:1fr}.pillar h3{margin-top:26px}.pillar .link-arrow{opacity:1;transform:none}}

/* library tiles */
.lib{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tile{display:flex;flex-direction:column;justify-content:space-between;min-height:260px;padding:28px;border-radius:var(--r);background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:transform .25s,box-shadow .25s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.tile__count{font:400 54px/1 var(--serif);color:var(--ink)}
.tile__count small{font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--brass-ink);margin-left:6px;vertical-align:.6em}
.tile h3{font-size:24px;margin:18px 0 8px}
.tile p{margin:0;font-size:15px;color:var(--muted)}
@media (max-width:1000px){.lib{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.lib{grid-template-columns:1fr}.tile{min-height:0}}

/* tool rows */
.tools{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(246,243,238,.14);border:1px solid rgba(246,243,238,.14);border-radius:var(--r);overflow:hidden}
.toolc{display:block;padding:30px 28px;background:var(--ink);text-decoration:none;color:var(--paper);transition:background .25s}
.toolc:hover{background:var(--ink-2)}
.toolc__ic{width:44px;height:44px;border-radius:50%;border:1px solid rgba(194,160,106,.5);display:grid;place-items:center;color:var(--brass-2)}
.toolc__ic svg{width:20px;height:20px}
.toolc h3{color:var(--paper);font-size:25px;margin:26px 0 8px}
.toolc p{margin:0;color:#A9ADB2;font-size:15px}
@media (max-width:900px){.tools{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.tools{grid-template-columns:1fr}}

/* article cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(18px,2.4vw,30px)}
.cards--4{grid-template-columns:repeat(4,1fr)}
.cards--2{grid-template-columns:1fr 1fr}
@media (max-width:1000px){.cards,.cards--4{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.cards,.cards--4,.cards--2{grid-template-columns:1fr}}
.card{position:relative;display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 26px 22px;text-decoration:none;color:var(--ink);transition:transform .25s,box-shadow .25s,border-color .25s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#cfc6b6}
.card__top{display:flex;justify-content:space-between;align-items:center;gap:12px;font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--brass-ink)}
.card__top span:last-child{color:var(--soft);letter-spacing:.06em}
.card h3{margin:20px 0 10px;font-size:25px}
.card p{margin:0 0 20px;font-size:15px;color:var(--muted)}
.card__foot{margin-top:auto;padding-top:16px;border-top:1px solid var(--line-2);display:flex;justify-content:space-between;align-items:center;font-size:13px;color:var(--soft)}
.card__foot b{font-weight:600;color:var(--ink-3)}
.card--feature{grid-column:span 2;background:var(--ink);border-color:var(--ink);color:var(--paper);padding:36px}
.card--feature h3{color:var(--paper);font-size:clamp(28px,3vw,40px);max-width:620px}
.card--feature p{color:#B9BCC0;font-size:16px;max-width:560px}
.card--feature .card__top{color:var(--brass-2)}
.card--feature .card__foot{border-color:rgba(246,243,238,.14);color:#9EA2A7}
.card--feature .card__foot b{color:var(--paper)}
@media (max-width:620px){.card--feature{grid-column:auto}}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:-6px 0 18px}
.chip{font:500 12px/1 var(--sans);padding:6px 10px;border-radius:999px;background:var(--paper);color:var(--ink-3);border:1px solid var(--line-2)}

/* ---------- page heads ---------- */
.phead{padding:clamp(44px,6vw,84px) 0 clamp(36px,5vw,60px);border-bottom:1px solid var(--line)}
.phead h1{font-size:clamp(40px,5.4vw,68px);margin:18px 0 0;max-width:900px}
.phead .lede{margin-top:18px}
.phead__meta{display:flex;flex-wrap:wrap;align-items:center;gap:10px 22px;margin-top:26px;font-size:14px;color:var(--muted)}
.phead__meta b{color:var(--ink);font-weight:600}
.phead__meta .dot{width:3px;height:3px;border-radius:50%;background:var(--brass)}
.crumb{display:inline-flex;align-items:center;gap:8px;font:500 14px/1 var(--sans);color:var(--muted);text-decoration:none}
.crumb svg{width:14px;height:14px}
.crumb:hover{color:var(--ink)}
.phead--dark{background:var(--ink);border:0;color:var(--paper)}
.phead--dark h1{color:var(--paper)}
.phead--dark .lede{color:#B9BCC0}
.phead--dark .kicker{color:var(--brass-2)}

/* ---------- article layout ---------- */
.art{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:clamp(32px,5vw,72px);padding-top:clamp(36px,5vw,64px);padding-bottom:clamp(56px,7vw,96px)}
.art__rail{position:relative}
.art__rail-in{position:sticky;top:100px;display:flex;flex-direction:column;gap:24px}
@media (max-width:1000px){.art{grid-template-columns:1fr}.art__rail{display:none}}
.prose{font-size:18.5px;line-height:1.75;color:#2B3036;max-width:720px}
.prose>*:first-child{margin-top:0}
.prose h2{font-size:clamp(28px,2.8vw,36px);margin:52px 0 16px}
.prose h3{font-size:25px;margin:38px 0 12px}
.prose h4{margin:28px 0 8px}
.prose p{margin:0 0 22px;white-space:pre-line}
.prose ul,.prose ol{margin:0 0 24px;padding-left:22px}
.prose li{margin:6px 0}
.prose li::marker{color:var(--brass)}
.prose strong{color:var(--ink);font-weight:650}
.prose blockquote{margin:30px 0;padding:6px 0 6px 26px;border-left:2px solid var(--brass);font:italic 400 24px/1.45 var(--serif);color:var(--ink)}
.prose .sec-block+.sec-block{margin-top:6px}
.dropcap>p:first-of-type::first-letter{float:left;font:400 84px/.8 var(--serif);margin:8px 12px 0 0;color:var(--brass-ink)}

.box{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.box--ink{background:var(--ink);border-color:var(--ink);color:var(--paper)}
.box--ink h3,.box--ink h4{color:var(--paper)}
.box--brass{background:var(--brass-wash);border-color:#E3D5BC}
.box h3{font-size:24px;margin-bottom:12px}
.ticks{list-style:none;margin:0;padding:0}
.ticks li{position:relative;padding:10px 0 10px 32px;border-bottom:1px solid var(--line-2);font-size:16px;line-height:1.55}
.ticks li:last-child{border-bottom:0}
.ticks li::before{content:"";position:absolute;left:2px;top:17px;width:14px;height:8px;border-left:2px solid var(--brass);border-bottom:2px solid var(--brass);transform:rotate(-45deg)}
.steps-n{list-style:none;margin:0;padding:0;counter-reset:s}
.steps-n li{counter-increment:s;position:relative;padding:12px 0 12px 52px;font-size:16px}
.steps-n li::before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:9px;font:400 26px/1 var(--serif);font-style:italic;color:var(--brass)}

.rail-card h4{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--brass-ink);margin-bottom:14px}
.rail-card a.rel{display:block;padding:12px 0;border-top:1px solid var(--line-2);text-decoration:none;color:var(--ink);font:400 19px/1.3 var(--serif)}
.rail-card a.rel:hover{color:var(--brass-ink)}

.byline{display:flex;align-items:center;gap:14px}
.byline__av{width:44px;height:44px;border-radius:50%;background:var(--ink);color:var(--brass-2);display:grid;place-items:center;font:400 18px/1 var(--serif);flex-shrink:0}
.byline b{display:block;font-weight:600;font-size:15px;color:var(--ink)}
.byline span{display:block;font-size:13px;color:var(--muted)}
.phead--dark .byline b{color:var(--paper)}
.phead--dark .byline span{color:#9EA2A7}

/* framework steps */
.fsteps{display:flex;flex-direction:column;gap:18px}
.fstep{display:grid;grid-template-columns:72px 1fr;gap:6px 24px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.fstep__n{font:400 56px/.9 var(--serif);color:var(--brass);font-style:italic}
.fstep h3{font-size:27px;margin:4px 0 14px}
.fstep h5{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 6px}
.fstep ul{margin:0 0 18px;padding-left:20px;font-size:16px}
.fstep li{margin:5px 0}
.fstep li::marker{color:var(--brass)}
.fstep__note{background:var(--brass-wash);border-radius:10px;padding:14px 16px;font-size:15px;line-height:1.6}
.fstep__note b{display:block;font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--brass-ink);margin-bottom:6px}
@media (max-width:620px){.fstep{grid-template-columns:1fr}.fstep__n{font-size:44px}}

.intro-quote{font:italic 400 clamp(24px,2.4vw,31px)/1.45 var(--serif);color:var(--ink);margin:0 0 36px;padding:0 0 30px;border-bottom:1px solid var(--line)}
.intro-quote::before{content:"\201C";display:block;font:400 80px/.6 var(--serif);color:var(--brass);margin-bottom:16px}

.dl-card{display:flex;gap:22px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.dl-card h3{margin:0 0 4px}
.dl-card p{margin:0;color:var(--muted);font-size:15px}
.box--ink.dl-card p{color:#A9ADB2}

.share{display:flex;gap:10px;flex-wrap:wrap;margin-top:34px;padding-top:24px;border-top:1px solid var(--line)}

/* ---------- quote / CTA ---------- */
.ff-cta{margin:40px 0;border-radius:var(--r);background:var(--ink);color:var(--paper);padding:30px 32px;display:grid;grid-template-columns:1fr auto;gap:18px 30px;align-items:center;position:relative;overflow:hidden}
.ff-cta::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;border:1px solid rgba(194,160,106,.35);box-shadow:0 0 0 26px rgba(194,160,106,.06)}
.ff-cta__k{font:600 11px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brass-2)}
.ff-cta h3{color:var(--paper);font-size:clamp(24px,2.4vw,30px);margin:10px 0 6px}
.ff-cta p{margin:0;color:#B9BCC0;font-size:15px;line-height:1.55}
.ff-cta .btn{position:relative;z-index:1}
.ff-cta--strip{grid-template-columns:auto 1fr auto;padding:16px 18px 16px 22px;background:var(--brass-wash);color:var(--ink);border:1px solid #E3D5BC;margin:30px 0}
.ff-cta--strip::after{display:none}
.ff-cta--strip .ff-cta__dial{width:38px;height:38px}
.ff-cta--strip p{color:var(--ink-3);font-size:15.5px}
.ff-cta--strip p b{color:var(--ink)}
.ff-cta--band{margin:0 0 36px}
@media (max-width:700px){.ff-cta,.ff-cta--strip{grid-template-columns:1fr}.ff-cta--strip .ff-cta__dial{display:none}.ff-cta .btn{width:100%}}

/* ---------- tools ---------- */
.tool{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:clamp(22px,3vw,36px);align-items:start;padding-top:clamp(34px,5vw,60px);padding-bottom:clamp(56px,7vw,96px)}
@media (max-width:960px){.tool{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,3vw,34px)}
.panel+.panel{margin-top:22px}
.panel h2{font-size:30px;margin-bottom:22px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px}
@media (max-width:560px){.fgrid{grid-template-columns:1fr}}
.field label{display:flex;justify-content:space-between;gap:10px;font:600 13.5px/1.3 var(--sans);color:var(--ink-3);margin-bottom:7px}
.field label i{font-style:normal;font-weight:500;color:var(--soft)}
.inp{position:relative;display:flex;align-items:center}
.inp span{position:absolute;left:14px;color:var(--soft);font-size:15px;pointer-events:none}
.inp span.r{left:auto;right:14px}
.inp input{width:100%;height:50px;border:1px solid var(--line);border-radius:10px;background:var(--paper);padding:0 14px 0 30px;font:500 17px/1 var(--sans);font-variant-numeric:tabular-nums;color:var(--ink);transition:border-color .2s,background .2s}
.inp input.np{padding-left:14px}
.inp input:focus{outline:0;border-color:var(--brass);background:#fff;box-shadow:0 0 0 4px rgba(166,130,74,.15)}
.field small{display:block;margin-top:6px;font-size:12.5px;color:var(--soft)}
.flag{display:inline-block;width:8px;height:8px;border-radius:50%;margin-left:6px;vertical-align:1px}
.flag--good{background:var(--good)}.flag--warning{background:#C49A2E}.flag--danger{background:var(--bad)}
.result{position:sticky;top:100px;background:var(--ink);color:var(--paper);border-radius:var(--r);padding:clamp(24px,3vw,34px);overflow:hidden}
.result h2{color:var(--paper);font-size:30px;margin-bottom:20px}
.stat{padding:16px 0;border-top:1px solid rgba(246,243,238,.12)}
.stat:first-of-type{border-top:0;padding-top:0}
.stat span{display:block;font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#9EA2A7;margin-bottom:8px}
.stat b{display:block;font:400 40px/1 var(--serif);font-variant-numeric:lining-nums tabular-nums;color:var(--paper)}
.stat b.big{font-size:clamp(46px,5vw,62px);color:var(--brass-2)}
.stat small{display:block;margin-top:6px;font-size:13px;color:#9EA2A7}
.stat b.good{color:#9CC7A8}.stat b.bad{color:#E39C90}
.result .btn{margin-top:10px}
.result .btn+.btn{margin-top:10px}
.result__note{margin-top:18px;padding:14px;border-radius:10px;background:rgba(246,243,238,.06);font-size:13.5px;line-height:1.55;color:#C9CCD0}
.bar{height:8px;border-radius:99px;background:rgba(246,243,238,.12);overflow:hidden;margin-top:10px}
.bar i{display:block;height:100%;background:var(--brass-2);border-radius:99px;transition:width .4s}
.debt{display:grid;grid-template-columns:1.3fr 1fr .8fr 1fr 36px;gap:10px;align-items:end;padding:16px 0;border-top:1px solid var(--line-2)}
.debt:first-of-type{border-top:0;padding-top:0}
.debt .inp input{height:46px;font-size:15.5px}
.debt .x{width:36px;height:46px;border:0;background:none;color:var(--soft);cursor:pointer;border-radius:8px}
.debt .x:hover{background:var(--paper);color:var(--bad)}
@media (max-width:700px){.debt{grid-template-columns:1fr 1fr}.debt .field:first-child{grid-column:1/-1}}
.strat{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.strat div{border:1px solid var(--line);border-radius:12px;padding:18px}
.strat div:first-child{border-color:var(--brass);background:var(--brass-wash)}
.strat b{display:block;font-weight:600;margin-bottom:6px}
.strat p{margin:0;font-size:14.5px;color:var(--muted)}
@media (max-width:560px){.strat{grid-template-columns:1fr}}
.toast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,20px);background:var(--ink);color:var(--paper);padding:14px 20px;border-radius:12px;font-size:14.5px;box-shadow:0 18px 40px -16px rgba(0,0,0,.5);opacity:0;transition:all .25s;z-index:80;max-width:90vw}
.toast.on{opacity:1;transform:translate(-50%,0)}
.toast b{display:block}
.toast.err{background:var(--bad)}
.hist{margin-top:16px;font-size:14px}
.hist table{width:100%;border-collapse:collapse}
.hist td,.hist th{padding:8px 4px;border-top:1px solid rgba(246,243,238,.12);text-align:left;font-variant-numeric:tabular-nums}
.hist th{font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:#9EA2A7}

/* ---------- wellness check ---------- */
.wc{max-width:860px;margin:0 auto;padding:clamp(34px,5vw,64px) 0 clamp(56px,7vw,96px)}
.wc__prog{display:flex;justify-content:space-between;font:600 13px/1 var(--sans);color:var(--muted);margin-bottom:12px}
.wc__bar{height:4px;background:var(--line);border-radius:99px;overflow:hidden;margin-bottom:30px}
.wc__bar i{display:block;height:100%;background:var(--brass);transition:width .35s}
.wc__q h2{font-size:clamp(28px,3.4vw,42px);margin:14px 0 28px}
.opts{display:flex;flex-direction:column;gap:10px}
.opt{display:flex;align-items:center;gap:16px;width:100%;text-align:left;padding:18px 20px;border:1px solid var(--line);border-radius:12px;background:var(--card);font:500 16.5px/1.35 var(--sans);color:var(--ink);cursor:pointer;transition:border-color .2s,background .2s}
.opt:hover{border-color:#bfb5a3}
.opt i{flex-shrink:0;width:30px;height:30px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;font:400 16px/1 var(--serif);font-style:normal;color:var(--brass-ink)}
.opt[aria-checked="true"]{border-color:var(--ink);background:var(--ink);color:var(--paper)}
.opt[aria-checked="true"] i{background:var(--brass);border-color:var(--brass);color:#fff}
.wc__nav{display:flex;justify-content:space-between;margin-top:28px}
.wc__nav .btn[disabled]{opacity:.35;pointer-events:none}
.score{display:grid;grid-template-columns:220px 1fr;gap:36px;align-items:center}
@media (max-width:700px){.score{grid-template-columns:1fr;justify-items:center;text-align:center}}
.score__ring{position:relative;width:220px;height:220px}
.score__ring svg{width:100%;height:100%;transform:rotate(-90deg)}
.score__ring b{position:absolute;inset:0;display:grid;place-items:center;font:400 64px/1 var(--serif);color:var(--paper)}
.score__ring b small{font-size:28px;color:var(--brass-2)}
.prow{padding:14px 0;border-top:1px solid var(--line-2)}
.prow div{display:flex;justify-content:space-between;font-weight:600;font-size:15px}
.prow div span{color:var(--brass-ink);font-variant-numeric:tabular-nums}
.prow .bar{background:var(--line-2)}
.prow .bar i{background:var(--ink)}
.prow.low .bar i{background:var(--brass)}

/* ---------- offer widgets (resource hub / benefits) ---------- */
.offer-slot{min-height:250px}
.offer-band{background:var(--stone);padding:clamp(26px,4vw,44px) 0}
.offer-band .wrap{max-width:900px}

/* ---------- forms (wiz-subscribe) ---------- */
.wiz-sub{background:var(--card)!important;border:1px solid var(--line)!important;border-radius:var(--r)!important;padding:clamp(22px,3vw,36px)!important;box-shadow:none!important}
.wiz-sub input[type=text],.wiz-sub input[type=email]{height:50px!important;border:1px solid var(--line)!important;border-radius:10px!important;background:var(--paper)!important;font:500 16px var(--sans)!important}
.wiz-sub button[type=submit]{background:var(--ink)!important;color:#fff!important;border-radius:999px!important;min-height:50px!important;padding:0 28px!important;font:600 15px var(--sans)!important;border:0!important}
.wiz-sub button[type=submit]:hover{background:var(--ink-3)!important}
.wiz-sub-optin{font-size:14.5px!important;line-height:1.5!important}
.wiz-sub-optin input{accent-color:var(--brass)}
.wiz-sub-cta{border-radius:var(--r)!important;border-color:var(--line)!important;background:var(--card)!important;padding:26px 28px!important}
.wiz-sub-cta .wiz-sub-cta-h{font:400 26px/1.15 var(--serif)!important}
.wiz-sub-cta .wiz-sub-cta-a{border-radius:999px!important;padding:13px 24px!important}
.wiz-sub-band{display:none!important}

/* ---------- news band / footer ---------- */
.nl{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(26px,5vw,72px);align-items:center}
@media (max-width:900px){.nl{grid-template-columns:1fr}}
.nl__perks{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:12px}
.nl__perks li{display:flex;gap:12px;color:#C9CCD0;font-size:15.5px}
.nl__perks li b{color:var(--paper);font-weight:600}
.nl__perks svg{width:18px;height:18px;flex-shrink:0;color:var(--brass-2);margin-top:3px}
.ftr{background:#0E1013;color:#A9ADB2;padding:72px 0 28px;font-size:15px}
.ftr a{color:#D7D9DC;text-decoration:none}
.ftr a:hover{color:var(--brass-2)}
.ftr__grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:36px}
.ftr__grid h5{font:600 11px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brass-2);margin:6px 0 16px}
.ftr__grid ul{list-style:none;margin:0;padding:0}
.ftr__grid li{margin:9px 0}
.ftr .brand{color:var(--paper)}
.ftr__tag{margin:18px 0 0;max-width:300px;line-height:1.6}
.ftr__legal{margin-top:56px;padding-top:24px;border-top:1px solid rgba(255,255,255,.08);display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:13.5px}
.ftr__legal nav{display:flex;gap:20px;flex-wrap:wrap}
.ftr__disc{margin-top:18px;font-size:12.5px;line-height:1.6;color:#7E8389;max-width:900px}
@media (max-width:960px){.ftr__grid{grid-template-columns:1fr 1fr}.ftr__grid>div:first-child{grid-column:1/-1}}

/* ---------- misc ---------- */
.empty{padding:120px 0;text-align:center}
.empty h1{font-size:clamp(56px,9vw,120px)}
.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;background:var(--brass-wash);border:1px solid #E3D5BC;font:600 12px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--brass-ink)}
.how{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:h}
.how>div{counter-increment:h;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px}
.how>div::before{content:counter(h,decimal-leading-zero);display:block;font:400 italic 40px/1 var(--serif);color:var(--brass);margin-bottom:22px}
.how h3{font-size:24px;margin-bottom:8px}
.how p{margin:0;color:var(--muted);font-size:15.5px}
@media (max-width:800px){.how{grid-template-columns:1fr}}
.feat3{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.feat3>div{background:var(--card);padding:26px}
.feat3 h3{font-size:22px;margin:0 0 6px}
.feat3 p{margin:0;font-size:15px;color:var(--muted)}
@media (max-width:800px){.feat3{grid-template-columns:1fr}}
.legal .prose h2{font-size:28px}
.pagination{display:flex;justify-content:center;gap:8px;margin-top:44px}
.pagination a,.pagination span{display:grid;place-items:center;min-width:44px;height:44px;border-radius:999px;border:1px solid var(--line);text-decoration:none;color:var(--ink);padding:0 14px}
.pagination .current{background:var(--ink);color:#fff;border-color:var(--ink)}
@media print{.hdr,.ftr,.ff-ad,.art__rail,.ff-cta,.share{display:none!important}}

/* pillar bodies */
.pillar-body h3{font:600 19px/1.35 var(--sans);letter-spacing:0;margin:28px 0 6px;color:var(--ink)}
.pillar-body h2{padding-top:30px;border-top:1px solid var(--line)}
.pillar-body h2:first-child{padding-top:0;border-top:0}
.mk{display:inline-grid;place-items:center;min-width:28px;height:28px;border-radius:50%;background:var(--ink);color:var(--brass-2);font:400 italic 16px/1 var(--serif);margin-right:10px;vertical-align:1px;padding:0 6px}
.linklist{list-style:none;padding:0!important;margin:0 0 24px!important;border-top:1px solid var(--line)}
.linklist li{margin:0!important;padding:16px 0;border-bottom:1px solid var(--line);font-size:16.5px;color:var(--muted)}
.linklist a{color:var(--ink);text-decoration:none;font-size:18px}
.linklist a:hover{color:var(--brass-ink)}
.linklist em{font-style:normal;color:var(--soft);font-size:14px}
/* signup */
.join{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(28px,5vw,70px);align-items:start;padding:clamp(36px,5vw,64px) 0 clamp(56px,7vw,96px)}
@media (max-width:900px){.join{grid-template-columns:1fr}}
.join .ticks li{font-size:16.5px}
.wiz-sub-note{padding:12px 14px;border-radius:10px;font-size:15px}
.wiz-sub-ok{background:var(--good-wash);color:var(--good)}
.wiz-sub-err{background:var(--bad-wash);color:var(--bad)}
.sec--ink .b-it,.phead--dark .b-it{color:var(--brass-2)}
.tile{justify-content:flex-start;gap:22px}
.tile h3{margin-top:auto}
.pillar h3{margin:34px 0 8px}
.byline .byline__av{display:grid;width:44px;height:44px;font:400 18px/1 var(--serif);color:var(--brass-2)}
.join{padding-left:var(--gut);padding-right:var(--gut)}
.btn--ghost-light{background:transparent}.btn--line{background:transparent}
.card__foot{gap:12px}.card__foot b{min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.card__foot .link-arrow{white-space:nowrap;flex-shrink:0}
.score__ring b{display:flex;align-items:center;justify-content:center;gap:2px}.score__ring b small{align-self:flex-start;margin-top:84px}[data-wellness],.tool [data-out]{scroll-margin-top:100px}
.badge svg{width:14px;height:14px}