@font-face{font-family:Inter;src:url('/assets/fonts/inter-400.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:Inter;src:url('/assets/fonts/inter-600.woff2') format('woff2');font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:Inter;src:url('/assets/fonts/inter-800.woff2') format('woff2');font-weight:800;font-style:normal;font-display:swap}
@font-face{font-family:'Instrument Serif';src:url('/assets/fonts/instrument-serif-400.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'Instrument Serif';src:url('/assets/fonts/instrument-serif-400i.woff2') format('woff2');font-weight:400;font-style:italic;font-display:swap}

:root{
  --ivory:#fcfaf8;--paper:#fff;--forest:#112c28;--forest-soft:#1e3e39;--amber:#edae1d;
  --amber-dark:#9b6500;--ink:#16332e;--muted:#66766f;--border:#e0dbd1;
  --invest:#3e7bb8;--protect:#c4553f;--budget:#4a8b5c;--mind:#d57d2e;
  --shadow:0 18px 60px rgba(17,44,40,.09);--radius:24px;--shell:min(1180px,calc(100% - 40px));
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:Inter,system-ui,sans-serif;font-size:16px;line-height:1.65;text-rendering:optimizeLegibility}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input{font:inherit}
[hidden]{display:none!important}
.shell{width:var(--shell);margin-inline:auto}
.eyebrow{margin:0 0 12px;color:var(--amber-dark);font-size:.73rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase}
.section-heading h2{max-width:760px;margin:0;font-size:clamp(1.8rem,3.5vw,3.15rem);line-height:1.05;letter-spacing:-.04em}
.section-heading--light h2{color:#fff}.section-heading--light .eyebrow{color:#f5c85e}

.site-header{position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(17,44,40,.1);background:rgba(252,250,248,.92);backdrop-filter:blur(18px)}
.site-header__inner{width:var(--shell);min-height:78px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:30px}
.site-logo{display:inline-flex;align-items:center}.site-logo img{width:144px;height:auto}
.desktop-nav{display:flex;align-items:center;justify-content:flex-end;gap:25px;font-size:.83rem;font-weight:600;color:#536761}
.desktop-nav a{position:relative;padding:26px 0}.desktop-nav a:hover,.desktop-nav a[aria-current=page]{color:var(--forest)}
.desktop-nav a[aria-current=page]::after{content:"";position:absolute;left:0;right:0;bottom:19px;height:2px;border-radius:2px;background:var(--amber)}
.mobile-nav{display:none;position:relative}.mobile-nav summary{list-style:none;cursor:pointer;border:1px solid var(--border);border-radius:999px;padding:9px 15px;min-height:44px;display:inline-flex;align-items:center;font-weight:700;font-size:.84rem}.mobile-nav summary::-webkit-details-marker{display:none}
.mobile-nav nav{position:absolute;right:0;top:48px;width:min(280px,calc(100vw - 30px));padding:12px;border:1px solid var(--border);border-radius:18px;background:#fff;box-shadow:var(--shadow)}
.mobile-nav nav a{display:block;padding:10px 12px;border-radius:10px;font-weight:600}.mobile-nav nav a:hover{background:#f4f0e9}

.blog-hero{position:relative;isolation:isolate;overflow:hidden;background:var(--forest);color:#fff}
.blog-hero::before{content:"";position:absolute;inset:-45% -20% auto 55%;height:700px;border-radius:50%;background:radial-gradient(circle,rgba(237,174,29,.2),transparent 64%);z-index:-1}
.blog-hero__river{position:absolute;right:-90px;bottom:-160px;width:600px;height:350px;border:1px solid rgba(255,255,255,.11);border-radius:50%;transform:rotate(-12deg)}
.blog-hero__river::after{content:"";position:absolute;inset:35px;border:1px solid rgba(255,255,255,.08);border-radius:inherit}
.blog-hero__inner{padding:100px 0 112px;text-align:center}
.blog-hero .eyebrow{color:#f6ca66}.blog-hero h1{margin:0 auto;max-width:900px;font-size:clamp(3rem,7vw,6.6rem);font-weight:800;line-height:.92;letter-spacing:-.065em}
.blog-hero h1 em{font-family:'Instrument Serif',serif;font-weight:400;color:var(--amber);letter-spacing:-.025em}
.blog-hero__lede{max-width:660px;margin:28px auto 32px;color:#d6e1dc;font-size:clamp(1rem,2vw,1.22rem)}
.blog-search{position:relative;max-width:580px;margin:auto}.blog-search label{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.blog-search input{width:100%;height:58px;padding:0 58px 0 22px;border:1px solid rgba(255,255,255,.22);border-radius:16px;background:rgba(255,255,255,.1);color:#fff;outline:none;box-shadow:0 12px 45px rgba(0,0,0,.16)}
.blog-search input::placeholder{color:#b8c6c0}.blog-search input:focus{border-color:var(--amber);box-shadow:0 0 0 4px rgba(237,174,29,.14)}
.blog-search__icon{position:absolute;right:20px;top:11px;font-size:1.6rem;color:var(--amber)}

.featured-section{padding:88px 0 104px}.featured-section>.section-heading{margin-bottom:34px}
.featured-card{display:grid;grid-template-columns:minmax(0,1.14fr) minmax(360px,.86fr);min-height:500px;overflow:hidden;border:1px solid var(--border);border-radius:30px;background:#fff;box-shadow:var(--shadow)}
.featured-card__image{min-height:430px;overflow:hidden}.featured-card__image img{width:100%;height:100%;object-fit:cover;transition:transform .7s ease}.featured-card:hover .featured-card__image img{transform:scale(1.025)}
.featured-card__body{display:flex;flex-direction:column;align-items:flex-start;justify-content:center;padding:clamp(34px,5vw,64px)}
.featured-card h2{margin:20px 0 18px;font-size:clamp(2rem,4vw,3.35rem);line-height:1;letter-spacing:-.045em}.featured-card h2 a:hover{color:#275e55}
.featured-card__body>p{margin:0 0 28px;color:var(--muted);font-size:1.06rem}
.topic{display:inline-flex;width:max-content;align-items:center;gap:7px;color:var(--muted);font-size:.7rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}
.topic::before{content:"";width:8px;height:8px;border-radius:50%;background:currentColor}.topic--investments{color:var(--invest)}.topic--protection{color:var(--protect)}.topic--budgeting{color:var(--budget)}.topic--mindset{color:var(--mind)}
.byline-mini{display:flex;align-items:center;gap:12px;margin:2px 0 24px}.byline-mini span:last-child{display:flex;flex-direction:column}.byline-mini strong{font-size:.9rem}.byline-mini small{color:var(--muted);font-size:.76rem}
.author-photo{display:block;flex:0 0 auto;width:42px;height:42px;border-radius:50%;object-fit:cover;background:#e8eeeb;box-shadow:0 5px 16px rgba(21,52,44,.16)}.author-photo-link{display:block;flex:0 0 auto;border-radius:50%}.author-photo-link:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.author-photo--large{width:72px;height:72px}
.text-link{font-size:.88rem;font-weight:800;border-bottom:2px solid var(--amber);padding-bottom:3px}.text-link:hover{color:#275e55}

.category-band{padding:92px 0 100px;background:var(--forest-soft);color:#fff}.category-band .section-heading{margin-bottom:36px}
.category-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px}.category-card{position:relative;overflow:hidden;min-height:280px;padding:30px;border:1px solid rgba(255,255,255,.13);border-radius:22px;background:rgba(255,255,255,.055);transition:transform .25s,border-color .25s,background .25s}
.category-card:hover{transform:translateY(-5px);border-color:rgba(255,255,255,.3);background:rgba(255,255,255,.085)}
.category-card::after{content:"";position:absolute;right:-60px;bottom:-70px;width:180px;height:180px;border-radius:50%;border:34px solid currentColor;opacity:.08}
.category-card>span{font-size:.68rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:#cbd7d2}.category-card strong{display:block;margin:20px 0 12px;font-size:1.35rem;line-height:1.15}.category-card p{margin:0;color:#c8d5d0;font-size:.9rem;line-height:1.6}.category-card em{position:absolute;bottom:28px;left:30px;color:#fff;font-size:.8rem;font-style:normal;font-weight:700}
.category-card--investments{color:#78ace0}.category-card--protection{color:#e28c7b}.category-card--budgeting{color:#7ec18e}.category-card--mindset{color:#edac6e}

.all-guides{padding:96px 0 120px}.guides-toolbar{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:20px}
.filter-row{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:8px}.filter-chip{cursor:pointer;border:1px solid var(--border);border-radius:999px;background:#fff;color:#5b6c65;padding:9px 14px;font-size:.76rem;font-weight:700}.filter-chip:hover,.filter-chip.is-active{border-color:var(--forest);background:var(--forest);color:#fff}
.results-status{margin:0 0 24px;color:var(--muted);font-size:.82rem}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.article-card{display:flex;min-width:0;overflow:hidden;flex-direction:column;border:1px solid var(--border);border-radius:22px;background:#fff;box-shadow:0 10px 36px rgba(17,44,40,.055);transition:transform .25s,box-shadow .25s}
.article-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.article-card__image{aspect-ratio:16/9;overflow:hidden;background:#e9e5de}.article-card__image img{width:100%;height:100%;object-fit:cover;transition:transform .55s ease}.article-card:hover img{transform:scale(1.035)}
.article-card__body{display:flex;flex:1;flex-direction:column;align-items:flex-start;padding:25px}.article-card h2{margin:14px 0 12px;font-size:1.28rem;line-height:1.2;letter-spacing:-.025em}.article-card h2 a:hover{color:#275e55}.article-card__body>p{margin:0 0 24px;color:var(--muted);font-size:.88rem;line-height:1.65}.card-meta{display:flex;width:100%;justify-content:space-between;gap:12px;margin-top:auto;padding-top:16px;border-top:1px solid #eee9e1;color:#7b8984;font-size:.69rem;font-weight:600}
.no-results{padding:70px 20px;text-align:center;border:1px dashed var(--border);border-radius:20px}.no-results h3{margin:0 0 8px}.no-results p{margin:0;color:var(--muted)}

.category-hero{position:relative;overflow:hidden;padding:88px 0 92px;background:#eef4f8}.category-hero::after{content:"";position:absolute;right:-90px;top:-140px;width:460px;height:460px;border-radius:50%;background:currentColor;opacity:.055}
.category-hero--investments{color:var(--invest)}.category-hero--protection{color:var(--protect);background:#fbf1ee}.category-hero--budgeting{color:var(--budget);background:#eff7f1}.category-hero--mindset{color:var(--mind);background:#fff4e9}
.category-hero .breadcrumbs{margin-bottom:50px}.category-hero h1{max-width:850px;margin:0;color:var(--forest);font-size:clamp(3rem,7vw,6rem);line-height:.94;letter-spacing:-.06em}.category-hero>div>p:last-child{max-width:700px;margin:24px 0 0;color:#546b63;font-size:1.14rem}.category-list{padding:90px 0 120px}.category-list .section-heading{margin-bottom:36px}

.reading-progress{position:fixed;inset:0 0 auto;z-index:100;height:3px;background:transparent}.reading-progress span{display:block;width:0;height:100%;background:var(--amber)}
.article-hero{padding:64px 0 48px;background:linear-gradient(180deg,#f5f1ea,var(--ivory));text-align:center}.article-hero__inner{max-width:980px}.breadcrumbs{display:flex;align-items:center;gap:8px;color:#788680;font-size:.74rem;font-weight:600}.breadcrumbs a:hover{text-decoration:underline}.article-hero .breadcrumbs{justify-content:center;margin-bottom:42px}.article-hero .topic{margin:auto}
.article-hero h1{max-width:940px;margin:20px auto 22px;font-size:clamp(2.6rem,6vw,5.25rem);font-weight:800;line-height:.98;letter-spacing:-.06em;text-wrap:balance}.article-dek{max-width:760px;margin:0 auto;color:#566a63;font-size:clamp(1.04rem,2vw,1.24rem);line-height:1.6}
.article-byline{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:12px 14px;max-width:900px;margin:34px auto 0;color:var(--muted);text-align:left}.article-byline>div{display:flex;flex-direction:column}.article-byline>div a{font-size:.86rem;font-weight:800;color:var(--forest)}.article-byline>div span{font-size:.7rem}.article-byline>p{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 0 12px;font-size:.72rem}.article-byline .review-link{color:#526b63;text-decoration:underline;text-underline-offset:3px}.article-byline .review-link:hover{color:var(--forest)}.article-image{max-width:1100px;margin-top:18px}.article-image img{width:100%;height:min(560px,55vw);min-height:320px;object-fit:cover;border-radius:28px;box-shadow:var(--shadow)}
.article-layout{display:grid;grid-template-columns:230px minmax(0,760px);justify-content:center;gap:64px;padding:70px 0 110px}.toc{position:sticky;top:112px;align-self:start;max-height:calc(100vh - 135px);overflow:auto;padding:22px 20px;border:1px solid var(--border);border-radius:16px;background:#fff;color:#64756e}.toc__title{margin:0 0 14px;color:var(--forest);font-size:.76rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em}.toc ol{margin:0;padding:0;list-style:none}.toc li{margin:0 0 10px}.toc li a{display:block;font-size:.73rem;line-height:1.4}.toc li a:hover{color:var(--forest);text-decoration:underline}.toc>a{display:inline-block;margin-top:12px;color:var(--forest);font-size:.73rem;font-weight:800}/* The calculators, under the contents list. Reuses the .toc scale so the sidebar stays one object rather than two stacked widgets. *//* The way back. Sits first in the bar and keeps its label at every width. */.nav-home{display:inline-flex;align-items:center;gap:.28rem;font-weight:700;color:var(--forest)}.nav-home svg{flex:none;margin-left:-2px}.toc__title--tools{margin-top:22px}.toc__tools{margin:0;padding:0;list-style:none}.toc__tools li{margin:0 0 10px}.toc__tools li a{display:block;font-size:.73rem;line-height:1.4;font-weight:700;color:var(--forest)}.toc__tools li a:hover{text-decoration:underline}
.article-main{min-width:0}.article-body{color:#243d37;font-size:1.03rem;line-height:1.82}.article-body>p{margin:0 0 25px}.article-body h2{margin:62px 0 14px;color:var(--forest);font-size:clamp(1.72rem,3vw,2.35rem);line-height:1.13;letter-spacing:-.035em;text-wrap:balance}.article-body h3{margin:0 0 12px;font-size:1.2rem}.article-body a{color:#185f79;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}.article-body a:hover{color:#0f4051}.article-body strong{color:var(--forest)}
.article-body ul,.article-body ol{margin:4px 0 28px;padding-left:24px}.article-body li{margin:0 0 12px;padding-left:4px}.article-body li::marker{color:var(--amber-dark);font-weight:800}
.quick-answer{position:relative;margin:0 0 36px;padding:27px 30px;border:1px solid #e7d7af;border-radius:18px;background:#fffaf0}.quick-answer::before{content:"";display:block;width:44px;height:4px;margin:0 0 16px;border-radius:999px;background:var(--amber)}.quick-answer p:last-child{margin:0;color:#254039;font-size:1.08rem;line-height:1.7}.quick-answer__label{margin:0 0 8px!important;color:var(--amber-dark);font-size:.7rem!important;font-weight:800;letter-spacing:.15em;text-transform:uppercase}
.table-wrap{max-width:100%;margin:28px 0 34px;overflow:auto;border:1px solid var(--border);border-radius:16px;background:#fff}.article-body table{width:100%;min-width:640px;border-collapse:collapse;font-size:.85rem;line-height:1.45}.article-body th{background:var(--forest);color:#fff;text-align:left}.article-body th,.article-body td{padding:15px 16px;border-bottom:1px solid #e9e5dd;vertical-align:top}.article-body tr:last-child td{border-bottom:0}.article-body tbody tr:nth-child(even){background:#faf8f4}
.formula-card{margin:28px 0;padding:22px 25px;border-radius:16px;background:var(--forest);color:#fff}.formula-card p{margin:0!important;color:#fff;text-align:center;font-size:1.02rem}.formula-card strong{color:var(--amber)}
.key-points{margin:44px 0 20px;padding:28px 30px;border-radius:20px;background:#edf4f1}.key-points h3{color:var(--forest);font-size:1.3rem}.key-points ul{margin-bottom:0}.key-points li:last-child{margin-bottom:0}
.current-context,.example-card,.action-card,.decision-check{margin:32px 0;padding:27px 29px;border:1px solid var(--border);border-radius:19px;background:#fff;box-shadow:0 9px 30px rgba(17,44,40,.045)}
.current-context{border-color:#d7e4df;background:#f3f8f6}.example-card{border-color:#e6d8bd;background:#fffaf0}.action-card{border-color:#d7e0e8;background:#f3f7fa}.decision-check{border-color:#e6d8bd;background:#fff}
.current-context h3,.example-card h3,.action-card h3,.decision-check h3{margin:0 0 11px;color:var(--forest);font-size:1.22rem;line-height:1.25}
.current-context>p:last-child,.example-card>p:last-child,.action-card>p:last-child,.decision-check>p:last-child{margin-bottom:0}
.current-context ul:last-child,.example-card ul:last-child,.action-card ol:last-child,.action-card ul:last-child,.decision-check ul:last-child{margin-bottom:0}
.module-label{display:block;margin:0 0 8px;color:var(--amber-dark);font-size:.68rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.source-note{color:#66766f;font-size:.78rem;line-height:1.6}
.article-visual{margin:34px 0;padding:28px;border:1px solid #d7e4df;border-radius:20px;background:#f7faf8;color:var(--forest)}.article-visual__title{margin:0 0 20px!important;font-size:.72rem!important;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:#49635b}.article-visual figcaption{margin-top:18px;color:#687b74;font-size:.76rem;line-height:1.55}.visual-flow{display:grid;grid-template-columns:repeat(3,1fr);align-items:stretch;gap:24px}.visual-step{position:relative;padding:20px;border-radius:15px;background:#fff;border:1px solid #dce6e2}.visual-step:not(:last-child)::after{content:"→";position:absolute;right:-20px;top:50%;transform:translateY(-50%);color:var(--amber-dark);font-weight:800}.visual-step strong{display:block;margin-bottom:5px}.visual-step span{display:block;color:#66766f;font-size:.8rem;line-height:1.5}.visual-split{display:grid;grid-template-columns:1fr 1fr;gap:14px}.visual-panel{padding:20px;border-radius:15px;background:#fff;border:1px solid #dce6e2}.visual-panel h3{font-size:1rem;margin:0 0 12px}.visual-panel ul{margin:0;padding-left:19px}.visual-panel li{font-size:.82rem;margin-bottom:8px}.visual-timeline{display:flex;align-items:flex-start;gap:0;padding-top:10px}.timeline-point{position:relative;flex:1;padding:30px 12px 0;border-top:1px solid #d6dfdb;text-align:center}.timeline-point::before{content:"";position:absolute;top:-9px;left:50%;width:14px;height:14px;transform:translateX(-50%);border-radius:50%;background:var(--amber);border:3px solid #fff}.timeline-point strong{display:block;font-size:.85rem}.timeline-point span{display:block;color:#6a7c75;font-size:.72rem}.visual-stack{display:grid;gap:8px}.visual-layer{display:grid;grid-template-columns:150px 1fr;gap:15px;padding:14px 17px;border-radius:12px;background:#fff;border:1px solid #dce6e2}.visual-layer strong{font-size:.82rem}.visual-layer span{font-size:.78rem;color:#66766f}.visual-matrix{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.visual-cell{padding:17px;border-radius:13px;background:#fff;border:1px solid #dce6e2}.visual-cell strong{display:block;font-size:.85rem;margin-bottom:4px}.visual-cell span{display:block;font-size:.76rem;color:#66766f;line-height:1.45}
.magnet-card{position:relative;isolation:isolate;display:grid;grid-template-columns:1fr auto;align-items:center;gap:35px;overflow:hidden;margin:68px 0 45px;padding:38px;border-radius:24px;background:var(--forest);color:#fff}.magnet-card::after{content:"";position:absolute;z-index:-1;right:-75px;bottom:-100px;width:250px;height:250px;border:38px solid var(--amber);border-radius:50%;opacity:.12}.magnet-card .eyebrow{color:#f4c55b}.magnet-card h2{margin:0 0 10px;font-size:1.8rem;line-height:1.1}.magnet-card p:last-child{max-width:510px;margin:0;color:#cad7d2;font-size:.9rem}.magnet-cta{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:0 20px;border-radius:999px;background:var(--amber);color:var(--forest);font-size:.78rem;font-weight:800;white-space:nowrap;box-shadow:0 10px 28px rgba(237,174,29,.2)}.magnet-cta:hover{background:#f6c856;transform:translateY(-1px)}
.author-card{display:grid;grid-template-columns:auto 1fr;align-items:start;gap:22px;margin:42px 0;padding:28px;border:1px solid var(--border);border-radius:20px;background:#fff}.author-card .eyebrow{margin-bottom:4px}.author-card h2{margin:0 0 6px;font-size:1.35rem}.author-card div>p:not(.eyebrow){margin:0 0 8px;color:var(--muted);font-size:.86rem}.author-card a{color:#185f79;font-size:.8rem;font-weight:700}.article-disclaimer{margin:30px 0 0;padding-top:24px;border-top:1px solid var(--border);color:#6f7e79;font-size:.76rem;line-height:1.7}
.related-section{padding:84px 0 105px;background:#f0ece5}.related-section .section-heading{margin-bottom:32px}.article-grid--three{grid-template-columns:repeat(3,1fr)}
.standards-layout{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding:80px 0 110px}.standards-layout>section,.standards-check{padding:34px;border:1px solid var(--border);border-radius:22px;background:#fff}.standards-layout h2{margin:0 0 16px;font-size:clamp(1.65rem,3vw,2.25rem);line-height:1.12;letter-spacing:-.035em}.standards-layout p:not(.eyebrow),.standards-layout li{color:#536a62}.standards-layout ul{margin:0;padding-left:22px}.standards-layout li{margin:0 0 10px}.standards-check{grid-column:1/-1;background:var(--forest);color:#fff}.standards-check h2{color:#fff}.standards-check .eyebrow{color:#f5c85e}.standards-check ul{columns:2;column-gap:50px}.standards-check li{color:#d5e0dc;break-inside:avoid}

.blog-footer{padding:58px 0 38px;background:var(--forest);color:#fff}.blog-footer__inner{width:var(--shell);margin:auto;display:grid;grid-template-columns:1fr auto;align-items:start;gap:32px}.blog-footer__brand{display:flex;align-items:center;gap:13px}.blog-footer__logo{display:inline-flex;padding:5px 8px;border-radius:7px;background:#fff}.blog-footer__logo img{width:115px;height:auto}.blog-footer__brand strong{font-size:.95rem}.blog-footer__brand p{margin:3px 0 0;color:#adc0b9;font-size:.76rem}.blog-footer nav{display:flex;gap:22px;color:#cfdbd6;font-size:.76rem;font-weight:600}.blog-footer nav a:hover{color:#fff}.blog-footer__legal,.blog-footer__copy{grid-column:1/-1;margin:0;color:#91a69e;font-size:.68rem}.blog-footer__legal{padding-top:25px;border-top:1px solid rgba(255,255,255,.1)}.blog-footer__copy{margin-top:-22px;text-align:right}

/* Visual reading system: charts and concept maps use the same forest-and-amber language as the site. */
.article-hero--long-title h1{max-width:1000px;font-size:clamp(2.35rem,5.2vw,4.45rem);line-height:1.02;letter-spacing:-.052em}
.article-visual{overflow:hidden;margin:44px 0;padding:0 28px 26px;border:1px solid #cfdbd6;border-radius:24px;background:#fff;color:var(--forest);box-shadow:none}
.article-visual__title{margin:0 -28px 26px!important;padding:18px 28px 17px;background:var(--forest);color:#fff!important;font-size:1.03rem!important;font-weight:800;line-height:1.3;letter-spacing:-.012em;text-transform:none}
.article-visual figcaption{margin:22px 0 0;padding-top:17px;border-top:1px solid #e5e0d7;color:#5f726b;font-size:.76rem;line-height:1.6}
.article-visual figcaption a{color:#185f79}
.visual-flow{grid-template-columns:repeat(auto-fit,minmax(135px,1fr));gap:18px}
.visual-step{min-height:132px;padding:20px;border:0;border-radius:15px;background:#f1f6f4}
.visual-step:not(:last-child)::after{right:-15px;color:var(--amber-dark)}
.visual-step strong{font-size:.92rem;line-height:1.25}.visual-step span{font-size:.78rem;line-height:1.55}
.visual-step--accent{background:#fff4ce}
.visual-panel{border:0;background:#f1f6f4}.visual-panel:nth-child(even){background:#fff6df}
.visual-layer{border:0;background:#f1f6f4}.visual-layer:nth-child(even){background:#f8f1e2}
.visual-stack--rising .visual-layer:nth-child(1){width:72%}.visual-stack--rising .visual-layer:nth-child(2){width:86%}.visual-stack--rising .visual-layer:nth-child(3){width:100%}
.visual-cell{border:0;background:#f1f6f4}.visual-cell:nth-child(4n+2),.visual-cell:nth-child(4n+3){background:#fff6df}
.timeline-point strong{font-size:.87rem}.timeline-point span{margin-top:5px;font-size:.74rem;line-height:1.45}
.article-table{padding:0 0 22px}.article-table .article-visual__title{margin:0 0 0!important}.table-scroll{max-width:100%;overflow-x:auto}.article-table table{margin:0}.article-table figcaption{margin:18px 28px 0}
.article-table th{background:var(--forest)}.article-table tbody tr:nth-child(even){background:#f7f5f0}
.bar-chart{display:grid;gap:22px}.bar-row{display:grid;gap:8px}.bar-row__meta{display:flex;align-items:flex-end;justify-content:space-between;gap:18px;color:#405950;font-size:.82rem;line-height:1.35}.bar-row__meta strong{flex:0 0 auto;color:var(--forest);font-size:1.25rem;font-variant-numeric:tabular-nums}.bar-track{height:16px;overflow:hidden;border-radius:999px;background:#eee9df}.bar-fill{display:block;width:var(--bar);height:100%;border-radius:inherit;background:var(--amber)}.bar-axis{display:flex;justify-content:space-between;margin-top:-14px;color:#71817b;font-size:.68rem;font-variant-numeric:tabular-nums}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid #dfe7e3}.stat-item{padding:26px 20px;text-align:center}.stat-item+ .stat-item{border-left:1px solid #dfe7e3}.stat-item strong{display:block;color:var(--forest);font-family:'Instrument Serif',serif;font-size:clamp(2.2rem,6vw,3.6rem);font-weight:400;line-height:1;font-variant-numeric:tabular-nums}.stat-item span{display:block;max-width:150px;margin:10px auto 0;color:#5f726b;font-size:.76rem;line-height:1.45}
::selection{background:var(--amber);color:var(--forest)}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px}
@media (max-width:1050px){.desktop-nav{gap:15px;font-size:.76rem}.category-grid{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:190px minmax(0,720px);gap:36px}.article-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:820px){:root{--shell:min(100% - 30px,720px)}.desktop-nav{display:none}.mobile-nav{display:block}.site-header__inner{min-height:68px}.site-logo img{width:126px}.blog-hero__inner{padding:72px 0 82px}.featured-card{grid-template-columns:1fr}.featured-card__image{min-height:300px;aspect-ratio:16/10}.category-grid{grid-template-columns:1fr 1fr}.guides-toolbar{align-items:flex-start;flex-direction:column}.filter-row{justify-content:flex-start}.article-layout{display:block;padding-top:48px}.toc{position:relative;top:auto;max-height:none;margin:0 0 40px;padding:20px;border:1px solid var(--border);border-radius:16px;background:#fff}.toc ol{columns:2;column-gap:25px}.article-image img{height:50vw}.magnet-card{grid-template-columns:1fr}.magnet-cta{justify-self:start}.blog-footer__inner{grid-template-columns:1fr}.blog-footer nav{flex-wrap:wrap}.blog-footer__copy{margin:0;text-align:left}.article-grid--three{grid-template-columns:1fr 1fr}.standards-layout{grid-template-columns:1fr}.standards-check{grid-column:auto}.visual-flow{grid-template-columns:1fr;gap:12px}.visual-step:not(:last-child)::after{content:"↓";right:50%;top:auto;bottom:-19px;transform:translateX(50%)}.visual-layer{grid-template-columns:1fr;gap:4px}}
@media (max-width:570px){body{font-size:15px}.blog-hero h1{font-size:clamp(2.8rem,15vw,4.5rem)}.blog-hero__lede{font-size:1rem}.featured-section,.all-guides,.category-list{padding:66px 0 78px}.featured-card{border-radius:22px}.featured-card__body{padding:28px 24px 32px}.featured-card h2{font-size:2rem}.category-band{padding:66px 0}.category-grid{grid-template-columns:1fr}.category-card{min-height:245px}.article-grid,.article-grid--three{grid-template-columns:1fr}.filter-row{flex-wrap:nowrap;width:100%;overflow-x:auto;padding-bottom:6px}.filter-chip{white-space:nowrap}.article-hero{padding:42px 0 34px}.article-hero .breadcrumbs{justify-content:flex-start;overflow:auto;margin-bottom:32px;white-space:nowrap}.article-hero h1{font-size:clamp(2.35rem,12vw,3.5rem);text-align:left}.article-hero .topic{margin-left:0}.article-dek{text-align:left;font-size:1rem}.article-byline{justify-content:flex-start}.article-byline>p{width:100%;margin-left:56px}.article-image{width:100%;margin-top:0}.article-image img{height:64vw;min-height:250px;border-radius:0}.toc ol{columns:1}.article-body{font-size:1rem}.article-body h2{margin-top:50px}.quick-answer,.key-points,.current-context,.example-card,.action-card,.decision-check,.article-visual{padding:23px 21px}.visual-split,.visual-matrix{grid-template-columns:1fr}.visual-timeline{display:grid;gap:8px}.timeline-point{padding:10px 0 10px 30px;border-top:0;border-left:1px solid #d6dfdb;text-align:left}.timeline-point::before{top:50%;left:-9px;transform:translateY(-50%)}.magnet-card{padding:30px 24px}.magnet-cta{width:100%;white-space:normal;text-align:center}.author-card{grid-template-columns:auto 1fr;gap:16px;padding:24px 21px}.author-photo--large{width:64px;height:64px}.blog-footer nav{flex-direction:column;gap:10px}.category-hero{padding:55px 0 62px}.category-hero .breadcrumbs{overflow:auto;white-space:nowrap}.category-hero h1{font-size:3.1rem}.standards-layout{padding:55px 0 75px}.standards-layout>section,.standards-check{padding:26px 22px}.standards-check ul{columns:1}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}
@media (max-width:570px){.article-hero--long-title h1{font-size:clamp(2.15rem,10.5vw,3rem);line-height:1.04}.article-visual{padding:0 20px 22px;border-radius:20px}.article-visual__title{margin:0 -20px 22px!important;padding:16px 20px 15px;font-size:.98rem!important}.article-table{padding:0 0 20px}.article-table .article-visual__title{margin:0!important}.article-table figcaption{margin:17px 20px 0}.bar-row__meta{align-items:flex-start}.bar-row__meta span{max-width:75%}.stat-row{grid-template-columns:1fr}.stat-item{padding:21px 16px}.stat-item+ .stat-item{border-top:1px solid #dfe7e3;border-left:0}.visual-stack--rising .visual-layer{width:100%!important}}

/* Money guide library — the homepage's warm paper, glossy surfaces and compact navigation. */
.blog-index{
  --index-paper:#fdf8f0;
  --index-glass:rgba(255,255,255,.72);
  --index-glass-line:rgba(255,255,255,.88);
  background:
    radial-gradient(circle at 8% 8%,rgba(237,174,29,.11),transparent 26rem),
    linear-gradient(180deg,#fcfaf8 0%,#f8f4ed 100%);
  color:var(--forest);
  font-family:Inter,system-ui,sans-serif;
}
.blog-index h1,.blog-index h2,.blog-index h3,.blog-index strong{font-family:Inter,system-ui,sans-serif}
.blog-index .site-header{
  border-color:rgba(17,44,40,.08);
  background:rgba(252,250,248,.78);
  box-shadow:0 10px 34px rgba(17,44,40,.055);
  backdrop-filter:blur(22px) saturate(145%);
  -webkit-backdrop-filter:blur(22px) saturate(145%);
}
.blog-index .desktop-nav{gap:28px;font-size:.84rem}
.blog-index .desktop-nav .header-cta{
  display:inline-flex;
  min-height:42px;
  align-items:center;
  gap:8px;
  margin-left:3px;
  padding:0 20px;
  border:1px solid rgba(237,174,29,.42);
  border-radius:999px;
  background:linear-gradient(180deg,#244b44 0%,var(--forest-soft) 100%);
  color:#fff;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.2),0 9px 24px rgba(17,44,40,.16),0 0 24px rgba(237,174,29,.12);
}
.blog-index .desktop-nav .header-cta:hover{color:#fff;transform:translateY(-1px);box-shadow:inset 0 1px 0 rgba(255,255,255,.22),0 12px 28px rgba(17,44,40,.2),0 0 30px rgba(237,174,29,.17)}
.blog-index .desktop-nav .header-cta::after{display:none}

.blog-index .blog-hero{
  min-height:620px;
  background:
    radial-gradient(circle at 14% 14%,rgba(237,174,29,.22),transparent 21rem),
    radial-gradient(circle at 87% 82%,rgba(30,62,57,.16),transparent 26rem),
    linear-gradient(138deg,#fffefb 0%,var(--index-paper) 47%,#edf4f1 100%);
  color:var(--forest);
}
.blog-index .blog-hero::before{
  inset:-38% -14% auto 58%;
  height:650px;
  background:radial-gradient(circle,rgba(255,255,255,.88) 0%,rgba(255,255,255,.18) 42%,transparent 68%);
  filter:blur(6px);
}
.blog-index .blog-hero::after{
  content:"";
  position:absolute;
  z-index:-1;
  inset:0;
  background:linear-gradient(112deg,transparent 0 34%,rgba(255,255,255,.36) 42%,transparent 51%);
  pointer-events:none;
}
.blog-index .blog-hero__river{right:-55px;bottom:-180px;width:640px;height:390px;border-color:rgba(17,44,40,.11);transform:rotate(-9deg)}
.blog-index .blog-hero__river::after{border-color:rgba(17,44,40,.07)}
.blog-index .blog-hero__inner{padding:84px 0 76px}
.blog-index .blog-hero .eyebrow{color:#815500}
.blog-index .blog-hero h1{
  max-width:980px;
  color:var(--forest);
  font-size:clamp(3.2rem,6.6vw,5.85rem);
  font-weight:800;
  line-height:.95;
  letter-spacing:-.04em;
  text-wrap:balance;
}
.blog-index .blog-hero h1 em{font-family:Inter,system-ui,sans-serif;font-style:normal;font-weight:800;color:var(--amber);letter-spacing:-.04em}
.blog-index .blog-hero__lede{max-width:690px;margin:24px auto 31px;color:#3d5a55;font-size:clamp(1rem,1.7vw,1.15rem);line-height:1.65}
.blog-search-shell{
  width:min(820px,100%);
  margin-inline:auto;
  padding:20px;
  border:1px solid var(--index-glass-line);
  border-radius:24px;
  background:var(--index-glass);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.95),0 22px 60px rgba(17,44,40,.13);
  backdrop-filter:blur(24px) saturate(155%);
  -webkit-backdrop-filter:blur(24px) saturate(155%);
  text-align:left;
}
.blog-search-shell__label{display:block;margin:0 0 10px;color:var(--forest);font-size:.82rem;font-weight:800;letter-spacing:.01em}
.blog-index .blog-search{max-width:none}
.blog-index .blog-search input{
  height:60px;
  padding:0 84px 0 52px;
  border:1px solid rgba(17,44,40,.13);
  border-radius:16px;
  background:rgba(255,255,255,.9);
  color:var(--forest);
  caret-color:var(--amber-dark);
  box-shadow:inset 0 1px 0 #fff,0 9px 28px rgba(17,44,40,.07);
}
.blog-index .blog-search input::placeholder{color:#60736c;opacity:1}
.blog-index .blog-search input::-webkit-search-cancel-button{display:none}
.blog-index .blog-search input:focus{border-color:var(--amber);box-shadow:inset 0 1px 0 #fff,0 0 0 4px rgba(237,174,29,.16),0 13px 34px rgba(17,44,40,.09)}
.blog-index .blog-search__icon{position:absolute;left:19px;right:auto;top:19px;color:var(--forest-soft)}
.blog-search__clear{
  position:absolute;
  right:10px;
  top:10px;
  min-height:44px;
  padding:0 13px;
  cursor:pointer;
  border:0;
  border-radius:999px;
  background:#f1eee7;
  color:var(--forest);
  font-size:.74rem;
  font-weight:800;
}
.blog-search__clear:hover{background:#e8e3d9}
.search-shortcuts{display:flex;align-items:center;gap:13px;margin-top:14px}
.search-shortcuts>span{flex:none;color:#526861;font-size:.74rem;font-weight:700}
.blog-index .filter-row{justify-content:flex-start;gap:7px}
.blog-index .filter-chip{
  min-height:44px;
  padding:9px 14px;
  border-color:rgba(17,44,40,.12);
  background:rgba(255,255,255,.66);
  color:#3d5a55;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.92);
}
.blog-index .filter-chip:hover{border-color:rgba(17,44,40,.3);background:#fff;color:var(--forest)}
.blog-index .filter-chip.is-active{border-color:var(--forest);background:var(--forest);color:#fff;box-shadow:inset 0 1px 0 rgba(255,255,255,.16),0 8px 18px rgba(17,44,40,.14)}

.blog-index .all-guides{padding:76px 0 112px}
.blog-index .results-status{display:inline-flex;align-items:center;justify-self:start;min-height:32px;margin:0 0 25px;padding:5px 11px;border-radius:999px;background:#ebe7e0;color:#405950;font-size:.76rem;font-weight:700;font-variant-numeric:tabular-nums}
.guide-results{display:grid;gap:24px}
.blog-index .featured-section{padding:0 0 20px}
.blog-index .featured-section>.section-heading{margin-bottom:25px}
.blog-index .featured-section[hidden]{display:none}
.blog-index .featured-card{
  position:relative;
  min-height:470px;
  border-color:rgba(17,44,40,.1);
  border-radius:24px;
  background:linear-gradient(145deg,rgba(255,255,255,.97),rgba(255,255,255,.78));
  box-shadow:0 22px 60px rgba(17,44,40,.1);
}
.blog-index .featured-card::after{
  content:"";
  position:absolute;
  inset:0 0 auto 43%;
  height:1px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.95),transparent);
  pointer-events:none;
}
.blog-index .featured-card h2{letter-spacing:-.04em}
.blog-index .topic,.blog-index .topic--investments,.blog-index .topic--protection,.blog-index .topic--budgeting,.blog-index .topic--mindset,.blog-index .topic--business{color:var(--forest-soft)}
.blog-index .topic::before{background:var(--amber)}
.blog-index .article-card{
  border-color:rgba(17,44,40,.08);
  background:linear-gradient(150deg,#fff 0%,rgba(255,255,255,.82) 100%);
  box-shadow:0 11px 34px rgba(17,44,40,.055);
}
.blog-index .article-card__body>p{color:#536b64}
.blog-index .card-meta{color:#657870}
.blog-index .no-results{
  border-style:solid;
  border-color:rgba(17,44,40,.11);
  background:rgba(255,255,255,.66);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.9);
  backdrop-filter:blur(14px);
}
.blog-index .no-results button{min-height:44px;margin-top:20px;padding:0 19px;cursor:pointer;border:0;border-radius:999px;background:var(--forest);color:#fff;font-size:.82rem;font-weight:800;box-shadow:0 9px 22px rgba(17,44,40,.17)}

.blog-index .category-band{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(circle at 85% 10%,rgba(237,174,29,.17),transparent 24rem),
    radial-gradient(circle at 12% 92%,rgba(255,255,255,.07),transparent 22rem),
    linear-gradient(138deg,var(--forest) 0%,var(--forest-soft) 100%);
}
.blog-index .category-band::after{content:"";position:absolute;inset:0;background:linear-gradient(112deg,transparent 0 42%,rgba(255,255,255,.04) 49%,transparent 57%);pointer-events:none}
.blog-index .category-band .shell{position:relative;z-index:1}
.blog-index .category-grid{grid-template-columns:repeat(5,minmax(0,1fr))}
.blog-index .category-card{
  min-height:285px;
  border-color:rgba(255,255,255,.2);
  background:rgba(255,255,255,.075);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.11),0 14px 34px rgba(0,0,0,.08);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  color:var(--amber);
}
.blog-index .category-card:hover{border-color:rgba(237,174,29,.5);background:rgba(255,255,255,.11)}
.blog-index .category-card>span{color:#d7e2de}.blog-index .category-card p{color:#d2ddd9}.blog-index .category-card em{color:#fff}
.blog-index ::selection{background:var(--amber);color:var(--forest)}
.blog-index *{scrollbar-color:rgba(17,44,40,.4) rgba(17,44,40,.07);scrollbar-width:thin}

@media (hover:hover){
  .blog-index .article-card:hover{transform:translateY(-4px);box-shadow:0 20px 48px rgba(17,44,40,.1)}
}
@media (max-width:1050px){
  .blog-index .desktop-nav{gap:18px}
  .blog-index .category-grid{grid-template-columns:repeat(2,1fr)}
  .blog-index .category-card:last-child{grid-column:span 2}
}
@media (max-width:820px){
  .blog-index .blog-hero{min-height:auto}
  .blog-index .blog-hero__inner{padding:65px 0 62px}
  .blog-index .blog-hero h1{font-size:clamp(3rem,12vw,4.8rem)}
  .search-shortcuts{align-items:flex-start;flex-direction:column;gap:9px}
  .blog-index .filter-row{width:100%;justify-content:flex-start}
  .blog-index .featured-card::after{display:none}
  .blog-index .mobile-nav nav .header-cta{margin-top:5px;background:var(--forest);color:#fff;text-align:center}
}
@media (max-width:570px){
  .blog-index .site-header__inner{min-height:66px}
  .blog-index .mobile-nav nav{padding:10px;background:rgba(255,255,255,.96);backdrop-filter:blur(20px)}
  .blog-index .blog-hero__inner{padding:49px 0 53px}
  .blog-index .blog-hero h1{font-size:clamp(2.65rem,13vw,3.7rem);line-height:.97;letter-spacing:-.035em}
  .blog-index .blog-hero__lede{margin:20px auto 25px;font-size:.98rem}
  .blog-search-shell{padding:14px;border-radius:20px}
  .blog-search-shell__label{font-size:.78rem}
  .blog-index .blog-search input{height:56px;padding-left:47px;font-size:1rem}
  .blog-index .blog-search__icon{left:17px;top:17px;width:20px;height:20px}
  .blog-search__clear{top:8px;right:8px}
  .blog-index .filter-row{flex-wrap:nowrap;margin-inline:-14px;width:calc(100% + 28px);padding:2px 14px 8px;overflow-x:auto;scroll-snap-type:x proximity}
  .blog-index .filter-chip{flex:none;scroll-snap-align:start}
  .blog-index .all-guides{padding:58px 0 78px}
  .blog-index .featured-section{padding-bottom:8px}
  .blog-index .featured-section>.section-heading{margin-bottom:20px}
  .blog-index .featured-card{min-height:0;border-radius:22px}
  .blog-index .featured-card__image{min-height:220px}
  .blog-index .category-grid{grid-template-columns:1fr}
  .blog-index .category-card:last-child{grid-column:auto}
}

/* The header carries the six core items now, so the category links are the part
   that gives way: below 1220px the nav would overflow the shell. They stay in the
   mobile menu (<=820px), which lists every link, so nothing becomes unreachable. */
@media (max-width:1220px){.desktop-nav a[href^="/blog/category/"]{display:none}}

/* Article pages carry the six core items AND the five category links, and the
   shell is capped at 1180px, so at the default 25px gap the labels wrapped onto
   two lines. Tighten only where the categories are actually shown (>1220px);
   .blog-index keeps its own wider gap by specificity. */
.desktop-nav a{white-space:nowrap}
@media (min-width:1221px){.desktop-nav{gap:17px}}