:root{
  --earth:#173528;
  --earth-2:#24513b;
  --earth-3:#356c50;
  --ink:#142018;
  --muted:#647067;
  --cream:#f5f5f0;
  --paper:#ffffff;
  --sand:#efe9dc;
  --sand-2:#e5dccb;
  --line:#dfe4df;
  --gold:#a77b3e;
  --positive:#25633f;
  --shadow:0 12px 32px rgba(21,48,34,.08);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--cream);color:var(--ink);line-height:1.55}
a{color:inherit}
img{max-width:100%;height:auto}
.container{width:min(var(--max),calc(100% - 34px));margin:auto}
.site-header{position:sticky;top:0;z-index:40;background:rgba(245,245,240,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(223,228,223,.9)}
.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(145deg,var(--earth),var(--earth-3));display:grid;place-items:center;color:#fff;font-weight:850;letter-spacing:-.03em}
.brand-copy strong{display:block;font-size:16px;letter-spacing:.09em}
.brand-copy span{display:block;font-size:11px;color:var(--muted);margin-top:-1px}
.nav-links{display:flex;align-items:center;gap:16px;font-size:13px;font-weight:650}
.nav-links a{text-decoration:none;color:#354239}
.nav-links a:hover{color:var(--earth-3)}
.nav-cta{padding:10px 14px!important;border:1px solid var(--earth);border-radius:10px;color:var(--earth)!important}
.mobile-toggle{display:none;border:0;background:transparent;font-size:24px}
.hero{padding:86px 0 68px;background:
 radial-gradient(circle at 83% 14%,rgba(167,123,62,.15),transparent 28%),
 linear-gradient(155deg,#f7f7f2 0%,#eef2ec 100%)}
.hero-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:52px;align-items:center}
.eyebrow{font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--earth-3)}
.hero h1{font-size:clamp(42px,7vw,72px);line-height:1.02;letter-spacing:-.05em;margin:13px 0 22px;max-width:800px}
.hero h1 em{font-style:normal;color:var(--earth-3)}
.hero p{font-size:19px;max-width:710px;color:#4e5c53;margin:0 0 28px}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:11px;text-decoration:none;font-weight:750;border:1px solid transparent;transition:.15s ease}
.btn-primary{background:var(--earth);color:#fff}
.btn-primary:hover{transform:translateY(-1px);background:var(--earth-2)}
.btn-secondary{background:#fff;border-color:#cfd7d0;color:var(--earth)}
.btn-secondary:hover{border-color:var(--earth-3)}
.hero-card{background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:22px;padding:24px}
.hero-card h3{margin:0 0 17px;font-size:18px}
.signal{display:flex;gap:13px;padding:14px 0;border-top:1px solid var(--line)}
.signal:first-of-type{border-top:0;padding-top:0}
.signal-icon{width:38px;height:38px;border-radius:11px;background:#eef4ef;display:grid;place-items:center;font-weight:800;color:var(--earth-2);flex:0 0 auto}
.signal strong{display:block;font-size:14px}
.signal span{display:block;color:var(--muted);font-size:12px;margin-top:2px}
.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust-items{min-height:60px;display:flex;align-items:center;justify-content:center;gap:35px;flex-wrap:wrap;color:#59665e;font-size:13px}
.trust-items strong{color:var(--ink)}
.section{padding:74px 0}
.section.alt{background:#fff}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:29px}
.section-head h2{font-size:clamp(30px,4vw,45px);letter-spacing:-.035em;line-height:1.08;margin:8px 0 0}
.section-head p{max-width:520px;color:var(--muted);margin:0}
.pillar-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pillar{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;min-height:315px;box-shadow:0 5px 20px rgba(21,48,34,.04);display:flex;flex-direction:column}
.pillar-number{font-size:12px;color:var(--muted);font-weight:800;letter-spacing:.09em}
.pillar h3{font-size:25px;letter-spacing:-.025em;margin:36px 0 9px}
.pillar p{color:var(--muted);margin:0 0 22px}
.pillar ul{list-style:none;padding:0;margin:0 0 24px;font-size:13px;color:#3d4a41}
.pillar li{padding:6px 0;border-bottom:1px solid #edf0ed}
.pillar a{margin-top:auto;text-decoration:none;font-weight:800;color:var(--earth-2)}
.pillar.featured{background:linear-gradient(150deg,var(--earth),#244e39);color:#fff;border:0}
.pillar.featured p,.pillar.featured .pillar-number{color:#ccdbd0}
.pillar.featured li{border-color:rgba(255,255,255,.12);color:#eff6f1}
.pillar.featured a{color:#fff}
.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.tool-card{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:24px;display:grid;grid-template-columns:1fr auto;gap:18px;align-items:start}
.tool-card h3{margin:0 0 7px;font-size:21px}
.tool-card p{margin:0;color:var(--muted);font-size:14px}
.tool-card .arrow{width:40px;height:40px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;text-decoration:none;font-size:19px}
.tool-card .meta{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px}
.tag{font-size:11px;font-weight:750;padding:5px 8px;border-radius:999px;background:#e8eee9;color:#31513d}
.update-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:20px}
.update-list{display:grid;gap:12px}
.update{display:grid;grid-template-columns:110px 1fr auto;gap:18px;align-items:center;padding:18px 20px;background:#fff;border:1px solid var(--line);border-radius:14px}
.update time{font-size:12px;color:var(--muted);font-weight:700}
.update h3{font-size:16px;margin:0 0 3px}
.update p{font-size:12px;color:var(--muted);margin:0}
.update a{text-decoration:none;font-weight:800;color:var(--earth-2)}
.update-note{background:var(--sand);border:1px solid var(--sand-2);border-radius:18px;padding:25px}
.update-note h3{font-size:21px;margin:0 0 8px}
.update-note p{color:#665d4d;font-size:14px}
.philosophy{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.philosophy-card{background:var(--earth);color:#fff;border-radius:22px;padding:34px}
.philosophy-card .quote{font-size:30px;line-height:1.23;letter-spacing:-.025em;margin:0}
.philosophy-card .small{font-size:12px;color:#c5d5ca;margin-top:20px}
.philosophy-copy h2{font-size:40px;letter-spacing:-.035em;line-height:1.08;margin:8px 0 18px}
.philosophy-copy p{color:var(--muted)}
.steps{display:grid;gap:13px;margin-top:24px}
.step{display:grid;grid-template-columns:34px 1fr;gap:12px}
.step span{width:30px;height:30px;border-radius:9px;background:#e8eee9;display:grid;place-items:center;font-size:12px;font-weight:800;color:var(--earth-2)}
.step strong{display:block;font-size:14px}
.step p{font-size:12px;margin:2px 0 0}
.cta-section{padding:68px 0}
.cta-box{background:linear-gradient(145deg,#18382a,#285a40);border-radius:24px;padding:48px;display:flex;align-items:center;justify-content:space-between;gap:30px;color:#fff}
.cta-box h2{font-size:36px;letter-spacing:-.035em;margin:0 0 8px}
.cta-box p{color:#d1dfd5;margin:0}
.cta-box .btn-secondary{border:0}
.site-footer{background:#13271e;color:#c5d1c8;padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px}
.footer-brand strong{color:#fff;font-size:18px}
.footer-brand p{font-size:13px;max-width:340px;color:#9eaea2}
.footer-col h4{color:#fff;font-size:13px;margin:0 0 12px}
.footer-col a{display:block;text-decoration:none;color:#aebdb1;font-size:12px;padding:4px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:18px;font-size:11px;color:#8fa095;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.page-hero{padding:64px 0 38px}
.page-hero h1{font-size:clamp(38px,6vw,62px);letter-spacing:-.05em;line-height:1.02;margin:10px 0 16px}
.page-hero p{max-width:760px;color:var(--muted);font-size:18px}
.content-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;margin-bottom:18px}
.content-card h2{margin-top:0}
.prose{max-width:820px}
.prose h2{margin-top:36px}
.prose p,.prose li{color:#4f5d54}
.coming{display:inline-block;padding:5px 8px;background:#f1eadf;color:#775b30;border-radius:999px;font-size:11px;font-weight:800}
@media(max-width:900px){
  .hero-grid,.philosophy,.update-grid{grid-template-columns:1fr}
  .pillar-grid{grid-template-columns:1fr}
  .tool-grid{grid-template-columns:1fr}
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#f5f5f0;border-bottom:1px solid var(--line);padding:18px 22px;flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}
  .mobile-toggle{display:block}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:580px){
  .hero{padding-top:55px}
  .hero h1{font-size:43px}
  .section{padding:56px 0}
  .update{grid-template-columns:1fr}
  .cta-box{padding:30px;display:block}
  .cta-box .actions{margin-top:20px}
  .footer-grid{grid-template-columns:1fr}
}


/* ===== Early layout additions ===== */
.reviewed{display:inline-flex;align-items:center;gap:7px;font-size:11px;font-weight:750;color:#5f6c63;background:#edf1ed;border:1px solid var(--line);border-radius:999px;padding:6px 9px}
.hero-micro{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:22px;padding:25px}
.hero-micro .micro-label{font-size:12px;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:var(--earth-3)}
.hero-micro h3{font-size:23px;letter-spacing:-.025em;margin:7px 0 7px}
.hero-micro p{font-size:13px;color:var(--muted);margin:0 0 19px}
.micro-row{display:flex;align-items:center;justify-content:space-between;gap:16px;margin:12px 0}
.micro-row label{font-size:13px;font-weight:750}
.micro-row output{font-size:14px;font-weight:850;color:var(--earth-2)}
.hero-micro input[type=range]{width:100%;accent-color:var(--earth-2)}
.micro-result{margin:18px 0 16px;padding:18px;border-radius:15px;background:#eef4ef;border:1px solid #d9e4db}
.micro-result span{display:block;font-size:12px;color:#637267}
.micro-result strong{display:block;font-size:34px;letter-spacing:-.04em;color:var(--earth);margin:2px 0}
.micro-result small{display:block;color:#66736a;font-size:11px;line-height:1.45}
.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.path-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px;display:flex;flex-direction:column;min-height:260px}
.path-card .path-kicker{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--earth-3)}
.path-card h3{font-size:23px;letter-spacing:-.025em;margin:18px 0 8px}
.path-card p{font-size:14px;color:var(--muted);margin:0 0 18px}
.path-card a{margin-top:auto;text-decoration:none;font-weight:800;color:var(--earth-2)}
.path-card.advanced{background:#18382a;color:#fff;border:0}
.path-card.advanced .path-kicker,.path-card.advanced p{color:#cad9cf}
.path-card.advanced a{color:#fff}
.trust-note{display:flex;gap:13px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.trust-note strong{display:block;font-size:13px}
.trust-note p{font-size:12px;color:var(--muted);margin:3px 0 0}
.founder-panel{background:linear-gradient(145deg,#f2eee5,#ebe7dc);border:1px solid #ded5c3;border-radius:20px;padding:30px}
.founder-panel h3{font-size:25px;margin:8px 0 10px}
.founder-panel p{color:#625c50}
.founder-sign{font-size:12px;font-weight:800;color:#705a37;letter-spacing:.07em;text-transform:uppercase}
.skimmable-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.info-block{background:#fff;border:1px solid var(--line);border-radius:15px;padding:21px}
.info-block h2,.info-block h3{margin:0 0 8px}
.info-block p,.info-block li{color:#536158;font-size:14px}
.info-block ul{margin:8px 0 0;padding-left:19px}
.source-note{font-size:12px;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:22px}
.source-note a{color:var(--earth-2);font-weight:700}
.beginner-callout{background:#eef4ef;border:1px solid #d7e2d9;border-radius:15px;padding:18px}
.beginner-callout strong{display:block;margin-bottom:4px}
.money-note{font-size:12px;color:var(--muted)}
.advanced-badge{display:inline-block;font-size:10px;font-weight:850;letter-spacing:.08em;text-transform:uppercase;padding:5px 8px;border-radius:999px;background:#e7d8bd;color:#654a25}
@media(max-width:900px){
  .path-grid,.skimmable-grid{grid-template-columns:1fr}
}

.tool-grid.three{grid-template-columns:repeat(3,1fr)}
@media(max-width:980px){.tool-grid.three{grid-template-columns:1fr}}


/* ===== Engagement + usability ===== */
.return-equation{background:linear-gradient(145deg,#173528,#244f39);color:#fff;border-radius:24px;padding:34px;box-shadow:0 16px 38px rgba(21,48,34,.13)}
.return-equation .eq-head{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:25px}
.return-equation .eq-head h2{font-size:clamp(30px,4vw,44px);letter-spacing:-.04em;line-height:1.08;margin:7px 0 0}
.return-equation .eq-head p{max-width:480px;margin:0;color:#ceddd3}
.eq-flow{display:grid;grid-template-columns:1.15fr auto 1fr auto 1fr auto 1fr auto 1.25fr;gap:10px;align-items:stretch}
.eq-box{border-radius:15px;padding:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);min-height:116px}
.eq-box strong{display:block;font-size:18px;line-height:1.15;margin-bottom:6px}.eq-box span{font-size:12px;color:#cfddd3;line-height:1.45}
.eq-box.result{background:#f2eee4;color:#173528;border:0}.eq-box.result span{color:#665d4f}
.eq-sign{display:grid;place-items:center;font-size:28px;font-weight:400;color:#b8cabe}
.eq-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.eq-links a{font-size:12px;text-decoration:none;color:#fff;border:1px solid rgba(255,255,255,.22);padding:8px 11px;border-radius:9px}
.tax-mode-tabs{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:5px;background:#edf2ee;border-radius:13px;margin:0 0 18px}
.tax-mode-btn{border:0;background:transparent;border-radius:9px;padding:11px 12px;font-weight:800;color:#536158;cursor:pointer}.tax-mode-btn.active{background:#fff;color:var(--earth);box-shadow:0 3px 10px rgba(25,45,32,.07)}
.tax-mode-panel[hidden]{display:none!important}.quick-tax-hero{background:#edf4ef;border:1px solid #d5e3d8;border-radius:14px;padding:16px;margin-bottom:15px}
.quick-tax-hero strong{display:block;font-size:16px;margin-bottom:4px}.quick-tax-hero p{font-size:12px;color:#58675e;margin:0}
.tax-education-split{display:grid;grid-template-columns:1fr 1fr;gap:14px}.tax-concept{border-radius:16px;padding:20px;border:1px solid var(--line);background:#fff}
.tax-concept h3{font-size:19px;margin:0 0 7px}.tax-concept p{font-size:13px;color:var(--muted);margin:0}.tax-concept.cost{border-top:4px solid var(--gold)}.tax-concept.ineff{border-top:4px solid var(--earth-3)}
.tax-detail-only[hidden]{display:none!important}.tax-simple-note{font-size:11px;color:var(--muted);line-height:1.5;margin-top:10px}.tax-mode-callout{margin-top:14px;padding:12px 14px;border-radius:11px;background:#f8f3e9;border:1px solid #eadfc9;font-size:12px;color:#655a48}
@media(max-width:980px){.eq-flow{grid-template-columns:1fr}.eq-sign{min-height:28px}}
@media(max-width:700px){.return-equation{padding:25px}.return-equation .eq-head{display:block}.return-equation .eq-head p{margin-top:10px}.tax-education-split{grid-template-columns:1fr}}


/* ===== New money / windfall path ===== */
.version-badge{display:inline-flex;align-items:center;gap:7px;font-size:11px;font-weight:850;letter-spacing:.07em;text-transform:uppercase;color:#173528;background:#ebe4d5;border:1px solid #ddcfb5;border-radius:999px;padding:6px 10px;text-decoration:none}
.path-grid.four{grid-template-columns:repeat(4,1fr)}
.path-card.windfall{background:#f5efe3;border-color:#e2d5bd}
.new-money-hero{background:linear-gradient(155deg,#f7f7f2 0%,#f3eee4 100%)}
.nm-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:20px;align-items:start}
.nm-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:0 6px 24px rgba(25,45,32,.05)}
.nm-panel h2{font-size:25px;letter-spacing:-.025em;margin:0 0 7px}
.nm-panel>p{color:var(--muted);margin-top:0}
.nm-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.nm-field label{display:block;font-size:12px;font-weight:800;margin-bottom:5px}
.nm-field input,.nm-field select{width:100%;padding:11px 12px;border:1px solid #ccd5ce;border-radius:10px;background:#fff;font:inherit}
.nm-field small{display:block;color:var(--muted);font-size:10px;margin-top:4px;line-height:1.4}
.nm-span{grid-column:1/-1}
.nm-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:17px}
.nm-result{display:grid;gap:11px;margin-top:14px}
.nm-next{border:1px solid var(--line);border-radius:13px;padding:15px 16px;background:#fbfcfa}
.nm-next strong{display:block;font-size:14px;margin-bottom:4px}
.nm-next p{font-size:12px;color:var(--muted);margin:0}
.nm-next a{color:var(--earth-2);font-weight:800}
.nm-priority{background:#edf4ef;border-color:#d3e2d7}
.nm-warning{background:#f8f3e9;border-color:#eadfc9}
.nm-steps{display:grid;gap:14px}
.nm-step{display:grid;grid-template-columns:46px 1fr;gap:14px;padding:18px;background:#fff;border:1px solid var(--line);border-radius:15px}
.nm-num{width:38px;height:38px;border-radius:11px;background:var(--earth-2);color:#fff;display:grid;place-items:center;font-weight:850}
.nm-step h3{font-size:18px;margin:1px 0 5px}
.nm-step p{font-size:13px;color:var(--muted);margin:0}
.goal-buckets{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.goal-bucket{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}
.goal-bucket h3{margin:0 0 6px;font-size:19px}
.goal-bucket p{font-size:13px;color:var(--muted);margin:0}
.record-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.record-item{padding:15px 16px;border:1px solid var(--line);background:#fff;border-radius:12px;font-size:13px}
.tax-mode-tabs.three{grid-template-columns:repeat(3,1fr)}
.planning-note{background:#eef3f0;border:1px solid #d6e1da;border-radius:13px;padding:14px;margin-bottom:15px}
.planning-note strong{display:block;font-size:14px;margin-bottom:3px}
.planning-note p{font-size:11px;color:var(--muted);margin:0;line-height:1.5}
.whats-new-list{display:grid;gap:12px}
.whats-new-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}
.whats-new-item strong{display:block;font-size:15px;margin-bottom:4px}
.whats-new-item p{font-size:13px;color:var(--muted);margin:0}
@media(max-width:1050px){.path-grid.four{grid-template-columns:1fr 1fr}}
@media(max-width:900px){.nm-grid{grid-template-columns:1fr}.goal-buckets{grid-template-columns:1fr}.record-grid{grid-template-columns:1fr}}
@media(max-width:650px){.path-grid.four{grid-template-columns:1fr}.nm-form-grid{grid-template-columns:1fr}.nm-span{grid-column:auto}.tax-mode-tabs.three{grid-template-columns:1fr}}


/* ===== QA + trust cleanup ===== */
.version-badge{font-size:10px!important;font-weight:750!important;letter-spacing:.04em!important;text-transform:none!important;background:#f1efe8!important;border-color:#e2ded2!important;color:#687067!important;padding:5px 8px!important}
.footer-dev{font-size:10px;color:#818a83}
.micro-input-row{display:grid;grid-template-columns:1fr auto;gap:9px;align-items:end;margin:10px 0 8px}
.micro-input-row label{font-size:12px;font-weight:800}.micro-input-row input[type=number],.micro-input-row input[data-terra-currency]{width:150px;max-width:100%;padding:9px 10px;border:1px solid #ccd5ce;border-radius:9px;background:#fff;font:inherit;font-weight:750;text-align:right;color:#173528}
.micro-presets{display:flex;gap:7px;flex-wrap:wrap;margin:9px 0 13px}.micro-preset{border:1px solid #d7ddd8;background:#fff;border-radius:999px;padding:6px 9px;font-size:11px;font-weight:750;color:#455249;cursor:pointer}.micro-preset:hover,.micro-preset.active{background:#e9f0ea;border-color:#c8d7cb;color:#173528}
.micro-longterm{margin-top:10px;padding-top:10px;border-top:1px solid #d7e1d9}.micro-longterm span{display:block;font-size:11px;color:#637267}.micro-longterm strong{font-size:20px!important;margin:2px 0!important}.micro-assumptions{font-size:10px!important;color:#768178!important;margin-top:4px!important}
.founder-proof{background:#f7f2e8;border:1px solid #e6dcc8;border-radius:14px;padding:16px;margin-top:12px;font-size:13px;color:#554f45}


/* ===== Retirement + engagement ===== */
.retirement-banner{display:flex;align-items:center;justify-content:space-between;gap:24px;background:#1c3d2c;color:#fff;border-radius:20px;padding:24px 27px}.retirement-banner h2{margin:0 0 5px;font-size:27px}.retirement-banner p{margin:0;color:#cfdbd2;max-width:700px}.retirement-banner .btn{white-space:nowrap}
.rr-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:20px;align-items:start}.rr-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px;box-shadow:0 7px 24px rgba(25,45,32,.05)}.rr-panel h2{margin:0 0 7px;font-size:24px}.rr-panel>p{margin:0 0 17px;color:var(--muted);font-size:13px}.rr-form{display:grid;grid-template-columns:1fr 1fr;gap:12px}.rr-field label{display:block;font-size:12px;font-weight:800;margin-bottom:5px}.rr-field input{width:100%;padding:10px 11px;border:1px solid #ccd5ce;border-radius:9px;font:inherit;background:#fff}.rr-field small{display:block;font-size:10px;color:var(--muted);margin-top:4px;line-height:1.4}.rr-span{grid-column:1/-1}.rr-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:16px}.rr-btn{border:0;border-radius:9px;padding:10px 13px;font-weight:800;cursor:pointer}.rr-primary{background:var(--earth-2);color:#fff}.rr-secondary{background:#edf2ee;color:#294232;border:1px solid #d5dfd7}.rr-metrics{display:grid;grid-template-columns:1fr 1fr;gap:10px}.rr-metric{border:1px solid var(--line);border-radius:13px;padding:14px;background:#fafbf9}.rr-metric span{display:block;font-size:10px;color:var(--muted);line-height:1.35}.rr-metric strong{display:block;font-size:22px;letter-spacing:-.03em;color:#173528;margin-top:3px}.rr-metric.hero{background:#edf4ef;border-color:#d4e2d7}.rr-metric.warn{background:#f8f3e9;border-color:#eadfc9}.rr-callout{margin-top:13px;padding:13px 14px;border-radius:11px;background:#f5f6f2;border:1px solid var(--line);font-size:12px;color:#536158;line-height:1.55}.rr-chart{width:100%;height:auto;margin-top:14px;border:1px solid var(--line);border-radius:13px;background:#fff}.rr-legend{display:flex;gap:18px;flex-wrap:wrap;margin-top:8px;font-size:11px;color:var(--muted)}.rr-dot{display:inline-block;width:9px;height:9px;border-radius:50%;background:currentColor;margin-right:5px}.rr-save{margin-top:18px;padding-top:17px;border-top:1px solid var(--line)}.rr-save-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.rr-slot{border:1px dashed #cbd5cd;border-radius:12px;padding:12px;background:#fbfcfa}.rr-slot strong{font-size:13px}.rr-slot p{font-size:10px;color:var(--muted);margin:5px 0}.rr-compare{margin-top:10px;padding:12px;border-radius:11px;background:#eef3f0;font-size:11px;color:#44564b}.match-mini{background:#fff;border:1px solid var(--line);border-radius:17px;padding:20px;margin-top:18px}.match-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.match-field label{display:block;font-size:11px;font-weight:800;margin-bottom:4px}.match-field input{width:100%;padding:9px;border:1px solid #ccd5ce;border-radius:9px;font:inherit}.match-output{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:12px}.match-output div{padding:11px;border-radius:10px;background:#edf4ef}.match-output span{display:block;font-size:10px;color:#607066}.match-output strong{font-size:17px;color:#173528}.founder-line{font-size:14px;font-weight:700;color:#304638}.rr-source a{color:var(--earth-2);font-weight:750}
@media(max-width:950px){.rr-grid{grid-template-columns:1fr}.retirement-banner{display:block}.retirement-banner .btn{margin-top:14px}.match-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.rr-form,.rr-metrics,.rr-save-grid,.match-output,.match-grid{grid-template-columns:1fr}}

.tool-grid.four-tools{grid-template-columns:repeat(4,1fr)}
@media(max-width:1150px){.tool-grid.four-tools{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.tool-grid.four-tools{grid-template-columns:1fr}}

.sh-step .match-mini{grid-column:1/-1;margin-top:8px}


/* ===== Return Visits / My Terra ===== */
.my-terra-home{
  display:grid;grid-template-columns:1.2fr .8fr;gap:22px;align-items:center;
  background:linear-gradient(135deg,#f7f3e9,#eef4ef);border:1px solid #dce3dc;
  border-radius:22px;padding:27px 30px;box-shadow:0 10px 30px rgba(25,45,32,.06)
}
.my-terra-home h2{font-size:clamp(25px,3vw,34px);margin:4px 0 8px;letter-spacing:-.03em}
.my-terra-home p{margin:0;color:var(--muted);line-height:1.55}
.my-terra-home .my-summary{display:grid;grid-template-columns:repeat(2,1fr);gap:9px}
.my-mini{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px}
.my-mini span{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:800}
.my-mini strong{display:block;font-size:17px;margin-top:4px}
.my-terra-hero{background:linear-gradient(145deg,#173528,#244f39);color:#fff}
.my-terra-hero p{color:#d4e0d7}
.my-terra-hero .reviewed{color:#d6e1da}
.my-dashboard-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.my-tool-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:19px;display:flex;flex-direction:column;min-height:205px}
.my-tool-card.saved{border-top:4px solid var(--earth-2)}
.my-tool-card h3{font-size:18px;margin:3px 0 7px}
.my-tool-card p{font-size:12px;color:var(--muted);line-height:1.55;margin:0 0 12px}
.my-tool-card .my-date{font-size:10px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:800}
.my-tool-card .my-actions{margin-top:auto;display:flex;gap:7px;flex-wrap:wrap}
.my-tool-card .my-actions a,.my-tool-card .my-actions button{
  font-size:11px;border:1px solid var(--line);border-radius:8px;padding:8px 9px;
  background:#f8faf8;color:var(--earth);font-weight:800;text-decoration:none;cursor:pointer
}
.checkup-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.checkup-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px}
.checkup-panel h2{font-size:24px;margin:0 0 7px}
.checkup-question{padding:14px 0;border-bottom:1px solid var(--line)}
.checkup-question:last-child{border-bottom:0}
.checkup-question label{display:block;font-size:13px;font-weight:850;margin-bottom:7px}
.checkup-question p{font-size:11px;color:var(--muted);margin:0 0 8px;line-height:1.45}
.checkup-question select,.checkup-question textarea{
  width:100%;border:1px solid #ccd5ce;border-radius:9px;padding:10px 11px;background:#fff;font:inherit
}
.checkup-question textarea{min-height:76px;resize:vertical}
.checkup-result{display:grid;gap:10px}
.checkup-next{padding:14px 15px;border:1px solid var(--line);border-radius:12px;background:#fbfcfa}
.checkup-next strong{display:block;font-size:13px;margin-bottom:3px}
.checkup-next p{font-size:11px;color:var(--muted);margin:0;line-height:1.5}
.checkup-next a{font-weight:850;color:var(--earth-2)}
.checkup-next.attn{background:#f8f3e9;border-color:#eadfc9}
.checkup-next.good{background:#edf4ef;border-color:#d4e2d7}
.checkup-status{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:15px 17px;border:1px solid var(--line);border-radius:13px;background:#f8faf8;margin-bottom:16px}
.checkup-status strong{font-size:15px}
.checkup-status span{font-size:11px;color:var(--muted)}
.checkup-history{display:grid;gap:9px}
.checkup-history-item{display:grid;grid-template-columns:120px 1fr auto;gap:12px;align-items:center;padding:12px 14px;background:#fff;border:1px solid var(--line);border-radius:11px}
.checkup-history-item time{font-size:11px;font-weight:850}
.checkup-history-item p{font-size:11px;color:var(--muted);margin:0}
.checkup-history-item span{font-size:10px;color:var(--muted)}
.my-privacy{font-size:11px;color:var(--muted);line-height:1.55;background:#f7f9f7;border:1px solid var(--line);padding:13px 15px;border-radius:11px}
.my-save-bar{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin:13px 0}
.my-save-status{font-size:11px;color:var(--muted)}
.my-save-btn{
  appearance:none;border:1px solid #cbd6ce;background:#edf4ef;color:#173528;
  border-radius:9px;padding:9px 12px;font-weight:850;cursor:pointer
}
.my-save-btn:hover{background:#e2eee5}
.my-terra-nav-link{font-weight:850!important}
@media(max-width:1050px){.my-dashboard-grid{grid-template-columns:1fr 1fr}.my-terra-home{grid-template-columns:1fr}}
@media(max-width:760px){.checkup-grid{grid-template-columns:1fr}.my-dashboard-grid{grid-template-columns:1fr}.checkup-history-item{grid-template-columns:1fr}.my-terra-home{padding:21px}.my-terra-home .my-summary{grid-template-columns:1fr 1fr}}


/* ===== Search Acquisition Calculators ===== */
/* v1.8.2 — calculator hub card separation / visual polish */
.calc-hub-grid-section{
  background:linear-gradient(180deg,#f3f6f1 0%,#f7f7f3 100%)!important;
  border-top:1px solid #e3e9e3;
  border-bottom:1px solid #e3e9e3;
}
.calc-hub-grid-section .section-head{margin-bottom:32px}
.calc-hub-grid-section .quick-calc-grid{gap:18px}
.calc-hub-grid-section .quick-calc-card{
  position:relative;
  overflow:hidden;
  background:#fff;
  border:1px solid #d3ddd5;
  box-shadow:0 9px 24px rgba(21,48,34,.065);
  padding:23px 22px 21px;
  transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease;
}
.calc-hub-grid-section .quick-calc-card::before{
  content:"";
  position:absolute;
  inset:0 0 auto 0;
  height:4px;
  background:linear-gradient(90deg,var(--earth-2),var(--earth-3));
}
.calc-hub-grid-section .quick-calc-card:hover,
.calc-hub-grid-section .quick-calc-card:focus-within{
  transform:translateY(-3px);
  border-color:#bdcdbf;
  box-shadow:0 16px 34px rgba(21,48,34,.11);
}
.calc-hub-grid-section .quick-calc-card .calc-kicker{
  display:inline-flex;
  align-items:center;
  align-self:flex-start;
  padding:5px 9px;
  border-radius:999px;
  background:#edf4ef;
  border:1px solid #d9e6dc;
  color:var(--earth-2);
  line-height:1.2;
}
.calc-hub-grid-section .quick-calc-card h3{margin-top:11px}
.calc-hub-grid-section .quick-calc-card a{
  display:inline-flex;
  align-items:center;
  width:max-content;
  max-width:100%;
  padding-top:3px;
}
.calc-hub-grid-section .quick-calc-card a:hover{text-decoration:underline;text-underline-offset:3px}
.calc-hub-grid-section .quick-calc-card a:focus-visible{outline:3px solid rgba(53,108,80,.22);outline-offset:4px;border-radius:4px}
@media(max-width:620px){
  .calc-hub-grid-section .quick-calc-card{padding:21px 20px;min-height:0}
  .calc-hub-grid-section .quick-calc-card:hover{transform:none}
}

.calc-hub-hero{background:
 radial-gradient(circle at 86% 16%,rgba(167,123,62,.14),transparent 28%),
 linear-gradient(150deg,#f7f7f2 0%,#edf2ed 100%)}
.quick-calc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.quick-calc-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;display:flex;flex-direction:column;min-height:205px}
.quick-calc-card .calc-kicker{font-size:10px;text-transform:uppercase;letter-spacing:.08em;font-weight:850;color:var(--earth-3)}
.quick-calc-card h3{font-size:20px;margin:7px 0 7px;letter-spacing:-.02em}
.quick-calc-card p{font-size:12px;color:var(--muted);margin:0 0 16px;line-height:1.5}
.quick-calc-card a{margin-top:auto;font-weight:850;color:var(--earth-2);text-decoration:none}
.calc-shell{display:grid;grid-template-columns:.88fr 1.12fr;gap:20px;align-items:start}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px;box-shadow:0 7px 24px rgba(25,45,32,.05)}
.calc-panel h2{font-size:24px;margin:0 0 7px}
.calc-panel>p{font-size:12px;color:var(--muted);margin:0 0 17px}
.calc-form{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.calc-field label{display:block;font-size:11px;font-weight:850;margin-bottom:4px;line-height:1.35}
.calc-field input,.calc-field select{width:100%;padding:10px 11px;border:1px solid #ccd5ce;border-radius:9px;background:#fff;font:inherit}
.calc-field small{display:block;font-size:9.5px;color:var(--muted);line-height:1.4;margin-top:4px}
.calc-span{grid-column:1/-1}
.calc-actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:15px}
.calc-button{border:1px solid #d2dcd4;border-radius:9px;background:#edf3ee;color:#244233;padding:10px 12px;font-weight:850;cursor:pointer}
.calc-button.primary{background:var(--earth);border-color:var(--earth);color:#fff}
.calc-button:hover{transform:translateY(-1px)}
.calc-results{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.calc-metric{background:#fafbf9;border:1px solid var(--line);border-radius:13px;padding:14px}
.calc-metric.hero{background:#edf4ef;border-color:#d5e3d8}
.calc-metric.warn{background:#f8f3e9;border-color:#eadfc9}
.calc-metric span{display:block;font-size:10px;line-height:1.35;color:var(--muted)}
.calc-metric strong{display:block;font-size:23px;letter-spacing:-.035em;color:#173528;margin-top:3px}
.calc-result-note{margin-top:11px;padding:12px 13px;border:1px solid var(--line);background:#f7f9f7;border-radius:11px;font-size:11px;color:#59665e;line-height:1.5}
.calc-detail-actions{display:flex;gap:8px;flex-wrap:wrap;margin:15px 0 0}
.calc-detail-actions button{border:1px solid #ccd7cf;background:#fff;border-radius:9px;padding:9px 11px;font-weight:800;color:#244233;cursor:pointer}
.calc-detail-actions button.active{background:#e8f0ea;border-color:#bfd0c3}
.calc-visual{margin-top:13px;border-top:1px solid var(--line);padding-top:14px}
.calc-visual[hidden]{display:none}
.calc-chart-title{display:flex;align-items:end;justify-content:space-between;gap:12px;margin-bottom:8px}
.calc-chart-title h3{margin:0;font-size:18px}
.calc-chart-title p{margin:0;font-size:10px;color:var(--muted)}
.calc-chart{display:block;width:100%;height:auto;background:#fff;border:1px solid var(--line);border-radius:12px}
.calc-legend{display:flex;gap:16px;flex-wrap:wrap;margin:8px 0 0;font-size:10px;color:var(--muted)}
.calc-legend i{display:inline-block;width:9px;height:9px;border-radius:50%;background:currentColor;margin-right:5px}
.calc-table-wrap{overflow:auto;max-height:430px;border:1px solid var(--line);border-radius:12px;background:#fff}
.calc-table{width:100%;border-collapse:collapse;font-size:11px;min-width:620px}
.calc-table th{position:sticky;top:0;background:#eef3ef;text-align:right;padding:9px 10px;border-bottom:1px solid var(--line);white-space:nowrap}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table td{text-align:right;padding:8px 10px;border-bottom:1px solid #edf0ed;white-space:nowrap}
.calc-table tr:last-child td{border-bottom:0}
.calc-next{margin-top:20px;background:linear-gradient(145deg,#173528,#28543d);color:#fff;border-radius:17px;padding:20px;display:flex;justify-content:space-between;gap:20px;align-items:center}
.calc-next h3{font-size:20px;margin:0 0 4px}
.calc-next p{font-size:11px;color:#cedbd2;margin:0;max-width:650px}
.calc-next a{white-space:nowrap;background:#fff;color:#173528;border-radius:9px;padding:10px 12px;text-decoration:none;font-weight:850}
.calc-method{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}
.calc-method article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:17px}
.calc-method h3{margin:0 0 6px;font-size:16px}
.calc-method p{font-size:11px;color:var(--muted);margin:0;line-height:1.5}
.calc-save-status{font-size:10px;color:var(--muted);align-self:center}
.calculator-banner{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px 27px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.calculator-banner h2{font-size:27px;margin:0 0 5px}
.calculator-banner p{margin:0;color:var(--muted);max-width:720px}
.calculator-banner .btn{white-space:nowrap}
.calc-disclaimer{font-size:10px;color:var(--muted);line-height:1.5;margin-top:12px}
@media(max-width:1050px){.quick-calc-grid{grid-template-columns:1fr 1fr}.calc-shell{grid-template-columns:1fr}}
@media(max-width:700px){.quick-calc-grid,.calc-method{grid-template-columns:1fr}.calc-form,.calc-results{grid-template-columns:1fr}.calc-span{grid-column:auto}.calculator-banner,.calc-next{display:block}.calculator-banner .btn,.calc-next a{margin-top:14px;display:inline-flex}}
@media print{
  .site-header,.site-footer,.calc-form,.calc-actions,.calc-detail-actions,.calc-next,.my-save-status,.version-badge{display:none!important}
  body{background:#fff}.calc-shell{display:block}.calc-panel{box-shadow:none;border:0;padding:0}.calc-visual[hidden]{display:block!important}
  .calc-table-wrap{max-height:none;overflow:visible}.calc-chart{max-width:760px}
}

.calc-validation{min-height:18px;margin:10px 0 0;color:#8a4b32;font-size:12.5px;font-weight:650;line-height:1.45}

/* ===== Homepage Discovery ===== */
.home-v9-hero{padding:72px 0 64px;overflow:hidden}
.home-v9-hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.home-v9-copy h1{font-size:clamp(44px,6vw,70px)}
.home-v9-copy p{max-width:690px}
.home-reviewed{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin-top:19px;font-size:11px;color:var(--muted)}
.home-question-board{background:#fff;border:1px solid #d7ded8;border-radius:24px;padding:23px;box-shadow:0 18px 45px rgba(21,48,34,.10)}
.home-question-head h2{font-size:29px;letter-spacing:-.035em;line-height:1.08;margin:6px 0 7px}
.home-question-head p{font-size:12px!important;line-height:1.5;margin:0 0 15px!important}
.home-question-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.home-question-tile{position:relative;display:grid;grid-template-columns:36px 1fr 16px;gap:9px;align-items:start;padding:14px 12px;border:1px solid var(--line);border-radius:13px;background:#fafbf9;text-decoration:none;min-height:116px;transition:.16s ease}
.home-question-tile:hover{transform:translateY(-2px);border-color:#b8c8bc;background:#fff;box-shadow:0 8px 20px rgba(21,48,34,.07)}
.home-q-icon{width:34px;height:34px;border-radius:10px;background:#e8f0ea;color:var(--earth-2);display:grid;place-items:center;font-size:15px;font-weight:850}
.home-question-tile strong{display:block;font-size:13px;line-height:1.28}
.home-question-tile small{display:block;color:var(--muted);font-size:10px;line-height:1.38;margin-top:5px}
.home-question-tile b{font-size:15px;color:var(--earth-3)}
.home-question-more{display:flex;justify-content:space-between;gap:13px;flex-wrap:wrap;margin-top:13px;padding-top:13px;border-top:1px solid var(--line)}
.home-question-more a{font-size:11px;font-weight:800;color:var(--earth-2);text-decoration:none}
.home-topic-strip{background:#fff;border-bottom:1px solid var(--line)}
.home-topic-grid{display:grid;grid-template-columns:repeat(5,1fr)}
.home-topic-grid>a{display:grid;grid-template-columns:34px 1fr;gap:9px;align-items:center;padding:18px 17px;border-right:1px solid var(--line);text-decoration:none;transition:.15s ease}
.home-topic-grid>a:first-child{border-left:1px solid var(--line)}
.home-topic-grid>a:hover{background:#f5f8f5}
.topic-icon{width:32px;height:32px;border-radius:10px;background:#edf3ee;display:grid;place-items:center;color:var(--earth-2);font-weight:850;font-size:12px}
.home-topic-grid strong{display:block;font-size:12px}
.home-topic-grid small{display:block;font-size:9px;color:var(--muted);line-height:1.3;margin-top:2px}
.home-popular-section{padding-top:64px}
.home-preview-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.home-preview-card{position:relative;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;display:flex;flex-direction:column;min-height:390px;box-shadow:0 7px 22px rgba(21,48,34,.045)}
.home-preview-card:before{content:"";position:absolute;width:150px;height:150px;border-radius:50%;right:-55px;top:-70px;background:currentColor;opacity:.045}
.preview-top{display:flex;justify-content:space-between;gap:10px;align-items:center}
.preview-kicker{font-size:10px;font-weight:850;text-transform:uppercase;letter-spacing:.08em;color:var(--earth-3)}
.preview-example{font-size:9px;padding:4px 7px;border-radius:999px;background:#f1f3ef;color:var(--muted);font-weight:800}
.home-preview-card h3{font-size:20px;letter-spacing:-.025em;margin:12px 0 7px}
.home-preview-card>p{font-size:11px;color:var(--muted);margin:0 0 14px;line-height:1.5}
.preview-metric{padding:13px 0 8px;border-top:1px solid var(--line)}
.preview-metric strong{display:block;font-size:28px;letter-spacing:-.045em;color:var(--earth)}
.preview-metric span{display:block;font-size:9.5px;color:var(--muted);line-height:1.35}
.preview-chart{width:100%;height:92px;margin:8px 0 15px;color:var(--earth-3)}
.home-preview-card>a{margin-top:auto;text-decoration:none;color:var(--earth-2);font-weight:850;font-size:12px}
.preview-fee .preview-chart{color:var(--gold)}
.preview-growth .preview-chart{color:#55705f}
.preview-bars{display:grid;gap:11px;margin:14px 0 20px}
.preview-bars div{display:grid;grid-template-columns:60px 1fr 60px;gap:8px;align-items:center;font-size:9px;color:var(--muted)}
.preview-bars i{display:block;height:10px;border-radius:999px;background:var(--earth-3)}
.preview-bars b{text-align:right;font-size:10px;color:var(--ink)}
.home-insight-section{padding:72px 0}
.home-insight-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.home-insight-copy h2{font-size:clamp(34px,4.8vw,54px);letter-spacing:-.045em;line-height:1.02;margin:8px 0 15px}
.home-insight-copy>p{color:var(--muted);max-width:600px}
.home-insight-points{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin:24px 0}
.home-insight-points div{background:#fff;border:1px solid var(--line);border-radius:13px;padding:14px}
.home-insight-points strong{display:block;font-size:22px;color:var(--earth);letter-spacing:-.035em}
.home-insight-points span{display:block;font-size:9px;color:var(--muted);margin-top:2px}
.home-insight-fair{font-size:11px!important;padding-left:12px;border-left:3px solid var(--gold);line-height:1.5}
.text-link{display:inline-block;margin-top:4px;font-weight:850;color:var(--earth-2);text-decoration:none}
.home-insight-calculator{box-shadow:0 14px 36px rgba(21,48,34,.09)}
.home-retirement-spotlight{padding:62px 0}
.retirement-spotlight{background:linear-gradient(145deg,#173528,#28533c);border-radius:25px;padding:37px;color:#fff;display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;box-shadow:0 16px 38px rgba(21,48,34,.12)}
.retirement-spotlight .eyebrow{color:#c9d7cd}
.retirement-spotlight h2{font-size:clamp(30px,4vw,44px);letter-spacing:-.04em;line-height:1.06;margin:8px 0 12px}
.retirement-spotlight p{color:#d2ded5;margin:0 0 20px}
.retirement-small-link{align-self:center;color:#dce7df;font-size:11px;font-weight:800;text-decoration:none}
.retirement-visual{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.13);border-radius:18px;padding:20px}
.retirement-timeline{display:grid;grid-template-columns:auto 1fr auto;gap:11px;align-items:center;font-size:10px;color:#cfddd3;margin-bottom:17px}
.retirement-timeline i{height:3px;background:linear-gradient(90deg,#c9d7cd,#a77b3e);border-radius:999px}
.retirement-timeline b{font-size:10px;color:#fff}
.retirement-visual-grid{display:grid;gap:8px}
.retirement-visual-grid div{display:grid;grid-template-columns:28px 1fr;column-gap:10px;padding:11px;background:rgba(255,255,255,.065);border-radius:11px}
.retirement-visual-grid span{grid-row:1/3;width:27px;height:27px;border-radius:9px;background:rgba(255,255,255,.12);display:grid;place-items:center;font-size:10px;font-weight:850}
.retirement-visual-grid strong{font-size:12px}
.retirement-visual-grid small{font-size:9px;color:#bdcec2}
.home-return-section{padding:68px 0}
.home-return-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:22px}
.home-return-head h2{font-size:clamp(30px,4vw,43px);letter-spacing:-.04em;line-height:1.05;margin:7px 0 0}
.home-return-head p{max-width:550px;color:var(--muted);margin:0}
.home-v9-my-terra{background:linear-gradient(135deg,#f7f3e9,#eef4ef)}
.home-v9-my-terra.returning{border-color:#b8ccb9;box-shadow:0 12px 34px rgba(21,48,34,.09)}
.home-explore-section{padding:68px 0}
.home-explore-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.home-explore-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;text-decoration:none;display:flex;flex-direction:column;min-height:235px;transition:.15s ease}
.home-explore-card:hover{transform:translateY(-2px);box-shadow:0 9px 24px rgba(21,48,34,.07);border-color:#c4d0c6}
.explore-icon{width:38px;height:38px;border-radius:11px;background:#edf3ee;color:var(--earth-2);display:grid;place-items:center;font-weight:850;font-size:12px;margin-bottom:20px}
.home-explore-card strong{font-size:17px}
.home-explore-card p{font-size:11px;color:var(--muted);line-height:1.5}
.home-explore-card b{font-size:11px;color:var(--earth-2);margin-top:auto}
.home-explore-card.advanced{background:#f8f4ec}
.home-explore-card.advanced .explore-icon{background:#eee5d6;color:#74562d}
.home-why-section{padding:65px 0}
.home-why-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:48px;align-items:center}
.home-why-equation h2{font-size:clamp(31px,4vw,44px);letter-spacing:-.04em;margin:7px 0 18px}
.home-equation-line{display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.home-equation-line span,.home-equation-line strong{padding:9px 11px;border:1px solid var(--line);background:#fff;border-radius:9px;font-size:11px}
.home-equation-line strong{background:var(--earth);color:#fff;border-color:var(--earth)}
.home-equation-line b{color:var(--gold)}
.home-why-trust{display:grid;gap:10px}
.home-why-trust>div:not(.home-why-links){display:grid;grid-template-columns:28px 1fr;gap:10px;align-items:start;padding:11px 0;border-bottom:1px solid var(--line)}
.home-why-trust span{width:25px;height:25px;border-radius:50%;background:#e8f0ea;display:grid;place-items:center;color:var(--earth-2);font-size:11px;font-weight:850}
.home-why-trust p{margin:0;font-size:11px;color:var(--muted)}
.home-why-trust p strong{color:var(--ink)}
.home-why-links{display:flex;gap:15px;flex-wrap:wrap;margin-top:5px}
.home-why-links a{font-size:11px;font-weight:850;color:var(--earth-2);text-decoration:none}
@media(max-width:1080px){
  .home-v9-hero-grid,.home-insight-grid,.retirement-spotlight,.home-why-grid{grid-template-columns:1fr}
  .home-preview-grid,.home-explore-grid{grid-template-columns:1fr 1fr}
  .home-topic-grid{grid-template-columns:repeat(3,1fr)}
  .home-topic-grid>a{border-bottom:1px solid var(--line)}
}
@media(max-width:720px){
  .home-v9-hero{padding-top:48px}
  .home-question-grid,.home-preview-grid,.home-explore-grid,.home-insight-points{grid-template-columns:1fr}
  .home-question-tile{min-height:auto}
  .home-topic-grid{grid-template-columns:1fr}
  .home-topic-grid>a,.home-topic-grid>a:first-child{border-left:1px solid var(--line);border-right:1px solid var(--line)}
  .home-return-head{display:block}.home-return-head p{margin-top:10px}
  .retirement-spotlight{padding:25px}
  .home-equation-line{gap:6px}
}


/* ===== v0.9.3 Production QA + Mobile Polish ===== */
:focus-visible{outline:3px solid rgba(53,108,80,.30);outline-offset:2px}
button,a,input,select,textarea{touch-action:manipulation}
.calc-table-wrap,.tablewrap{-webkit-overflow-scrolling:touch}

@media(max-width:700px){
  .section-head{display:block}
  .section-head p{margin-top:10px}
  .mobile-toggle{width:44px;height:44px;display:grid;place-items:center;border-radius:10px}
  .trust-items{justify-content:flex-start;gap:9px 18px;padding:14px 0;line-height:1.4}
  .calc-button,.calc-detail-actions button,.rr-btn,.my-save-btn{min-height:44px}
  .calc-field input,.calc-field select,.rr-field input,.nm-field input,.nm-field select,
  .checkup-question select,.checkup-question textarea{font-size:16px}
  .calc-table-wrap{max-height:360px}
  .footer-col a{padding:7px 0}
}
@media(max-width:720px){
  .home-popular-section,.home-insight-section,.home-retirement-spotlight,
  .home-return-section,.home-explore-section,.home-why-section{padding-top:48px;padding-bottom:48px}
  .home-preview-card,.home-explore-card{min-height:0}
  .home-preview-card{padding:18px}
  .preview-chart{height:76px;margin:5px 0 11px}
  .home-explore-card{padding:18px}
  .explore-icon{margin-bottom:12px}
  .home-question-more a{padding:7px 0}
}
@media(max-width:480px){
  .container{width:min(var(--max),calc(100% - 28px))}
  .brand{gap:9px}
  .brand-mark{width:36px;height:36px}
  .brand-copy strong{font-size:15px}
  .home-v9-copy h1,.hero h1{font-size:40px}
  .page-hero h1{font-size:36px}
  .hero p,.page-hero p{font-size:16px}
  .actions{display:grid;grid-template-columns:1fr;width:100%}
  .actions .btn{width:100%}
  .home-question-board{padding:18px}
  .home-question-head h2{font-size:26px}
  .home-topic-grid>a{padding:15px 14px}
  .home-insight-points{margin:18px 0}
  .retirement-spotlight{padding:21px}
  .retirement-timeline{grid-template-columns:auto 1fr;row-gap:7px}
  .retirement-timeline b{grid-column:1/-1}
  .home-v9-my-terra .my-summary,.my-terra-home .my-summary{grid-template-columns:1fr}
  .calculator-banner,.calc-panel,.rr-panel,.content-card{padding:18px}
  .calc-metric strong,.rr-metric strong{font-size:21px}
  .cta-box{padding:25px}
}

/* v1.0.4 navigation clarity */
.nav-links a[aria-current]{color:var(--earth);font-weight:800;position:relative}
.nav-links a[aria-current]:not(.nav-cta)::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:3px;border-radius:999px;background:var(--earth-3)}
.nav-links .nav-cta[aria-current]{background:#e7eee9;box-shadow:inset 0 -3px 0 var(--earth-3)}
@media(max-width:1000px){
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#f5f5f0;border-bottom:1px solid var(--line);padding:18px 22px;flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}
  .mobile-toggle{display:block}
  .nav-links a[aria-current]{width:100%;padding:8px 10px;margin-left:-10px;border-radius:8px;background:#e7eee9}
  .nav-links a[aria-current]:not(.nav-cta)::after{display:none}
}


/* v1.0.5 — active navigation on every primary section */
.nav-links a[aria-current],
.terra-shell-links a[aria-current]{
  font-weight:800;
  position:relative;
}
.nav-links a[aria-current]{color:var(--earth)}
.nav-links a[aria-current]:not(.nav-cta)::after{
  content:"";
  position:absolute;
  left:0;right:0;bottom:-8px;
  height:3px;
  border-radius:999px;
  background:var(--earth-3);
}
.nav-links .nav-cta[aria-current]{
  background:#e7eee9;
  box-shadow:inset 0 -3px 0 var(--earth-3);
}
.terra-shell-links a[aria-current]{color:#fff}
.terra-shell-links a[aria-current]::after{
  content:"";
  position:absolute;
  left:0;right:0;bottom:-5px;
  height:2px;
  border-radius:999px;
  background:#d5b46f;
}
@media(max-width:1000px){
  .nav-links a[aria-current]{
    width:100%;
    padding:8px 10px;
    margin-left:-10px;
    border-radius:8px;
    background:#e7eee9;
  }
  .nav-links a[aria-current]:not(.nav-cta)::after{display:none}
}


/* =====================================================================
   v1.1.0 — Journey-first navigation + unified green page headers
   ===================================================================== */
.page-hero{
  padding:58px 0 46px;
  color:#fff;
  background:
    radial-gradient(circle at 84% 12%,rgba(167,123,62,.18),transparent 30%),
    linear-gradient(120deg,#173225,#2d5b3f);
  border-bottom:1px solid rgba(12,35,24,.24);
}
.page-hero h1{color:#fff;max-width:980px}
.page-hero p{color:#dce8df}
.page-hero .eyebrow{color:#c9dfcf}
.page-hero .reviewed{color:#eef6f0;background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.2)}

/* Start Here is intentionally second in the nav and visually stronger. */
.nav-links .nav-start-here{
  padding:10px 14px;
  border-radius:10px;
  background:var(--earth);
  color:#fff!important;
  box-shadow:0 5px 14px rgba(23,53,40,.16);
}
.nav-links .nav-start-here:hover{background:var(--earth-2);color:#fff!important}
.nav-links .nav-start-here[aria-current]{background:var(--earth-2);box-shadow:inset 0 -3px 0 #d5b46f,0 5px 14px rgba(23,53,40,.18)}
.nav-links .nav-start-here[aria-current]::after{display:none!important}

.home-path-feature{
  display:grid;
  grid-template-columns:auto 1fr auto;
  gap:14px;
  align-items:center;
  text-decoration:none;
  background:linear-gradient(135deg,var(--earth),var(--earth-2));
  color:#fff;
  border-radius:15px;
  padding:15px 16px;
  margin:14px 0 16px;
  box-shadow:0 8px 20px rgba(23,53,40,.14);
}
.home-path-feature:hover{transform:translateY(-1px)}
.home-path-feature .path-icon{width:38px;height:38px;border-radius:11px;background:rgba(255,255,255,.12);display:grid;place-items:center;font-weight:900}
.home-path-feature strong{display:block;font-size:14px}
.home-path-feature small{display:block;color:#d7e4db;font-size:11px;margin-top:2px;line-height:1.4}
.home-path-feature b{font-size:20px}

/* Guided Start Here journey */
.journey-shell{max-width:920px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);overflow:hidden}
.journey-top{padding:24px 26px 19px;background:#f7f9f7;border-bottom:1px solid var(--line)}
.journey-top-row{display:flex;align-items:center;justify-content:space-between;gap:16px}
.journey-top h2{margin:4px 0 7px;font-size:clamp(26px,4vw,38px);letter-spacing:-.035em}
.journey-top p{margin:0;color:var(--muted)}
.journey-privacy{font-size:11px;font-weight:750;color:#516057;background:#eaf0eb;border-radius:999px;padding:6px 9px;white-space:nowrap}
.journey-progress{margin-top:18px;height:7px;background:#e3e9e4;border-radius:999px;overflow:hidden}
.journey-progress > span{display:block;height:100%;width:16.6667%;background:linear-gradient(90deg,var(--earth-3),var(--gold));transition:width .2s ease}
.journey-body{padding:28px 26px 25px}
.journey-step[hidden]{display:none!important}
.journey-step legend{font-size:22px;font-weight:850;letter-spacing:-.02em;margin-bottom:6px}
.journey-step .journey-help{color:var(--muted);font-size:13px;margin:0 0 18px}
.journey-options{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.journey-choice{display:block;position:relative}
.journey-choice input{position:absolute;opacity:0;pointer-events:none}
.journey-choice span{display:block;height:100%;border:1px solid #d8dfd9;border-radius:13px;padding:15px 16px;background:#fff;cursor:pointer;transition:.12s ease}
.journey-choice strong{display:block;font-size:14px;color:var(--ink)}
.journey-choice small{display:block;color:var(--muted);font-size:11px;margin-top:4px;line-height:1.45}
.journey-choice input:focus-visible + span{outline:3px solid rgba(53,108,80,.22);outline-offset:2px}
.journey-choice input:checked + span{border-color:var(--earth-3);background:#eef5f0;box-shadow:inset 0 0 0 1px var(--earth-3)}
.journey-actions{display:flex;justify-content:space-between;gap:12px;margin-top:22px}
.journey-actions button{font:inherit;font-weight:800;border-radius:10px;padding:11px 15px;cursor:pointer}
.journey-back{border:1px solid var(--line);background:#fff;color:var(--earth)}
.journey-next{border:1px solid var(--earth);background:var(--earth);color:#fff;margin-left:auto}
.journey-next:disabled{opacity:.45;cursor:not-allowed}
.journey-results{border-top:1px solid var(--line);padding:26px;background:#f7f9f7}
.journey-results[hidden]{display:none!important}
.journey-results h3{font-size:28px;letter-spacing:-.03em;margin:4px 0 7px}
.journey-results > p{color:var(--muted);margin:0 0 18px}
.journey-path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.journey-path-card{display:flex;flex-direction:column;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:14px;padding:17px;min-height:195px}
.journey-path-card .journey-rank{font-size:10px;font-weight:850;letter-spacing:.09em;text-transform:uppercase;color:var(--earth-3)}
.journey-path-card strong{font-size:17px;margin:9px 0 6px;line-height:1.2}
.journey-path-card p{font-size:12px;color:var(--muted);margin:0 0 13px}
.journey-path-card b{margin-top:auto;color:var(--earth-2);font-size:12px}
.journey-result-note{margin-top:14px;font-size:11px;color:#657168}
.journey-reset{margin-top:14px;border:0;background:transparent;color:var(--earth-2);font-weight:800;cursor:pointer;padding:0}

.calc-meaning{margin-top:15px;border:1px solid #dbe3dc;background:#f7faf8;border-radius:13px;padding:15px 16px}
.calc-meaning > strong{display:block;margin-bottom:8px;color:var(--earth)}
.calc-meaning-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.calc-meaning-grid div{font-size:12px;color:#506057}
.calc-meaning-grid b{display:block;color:var(--ink);margin-bottom:2px}
.calc-guide-link{display:inline-block;margin-top:9px;font-size:12px;font-weight:800;color:var(--earth-2)}

.learn-article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.learn-article-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:21px;display:flex;flex-direction:column}
.learn-article-card h3{margin:6px 0 8px;font-size:19px}.learn-article-card p{font-size:13px;color:var(--muted)}.learn-article-card a{margin-top:auto;text-decoration:none;font-weight:800;color:var(--earth-2)}
.guide-summary{background:#eef4ef;border:1px solid #d8e4da;border-radius:16px;padding:20px;margin:18px 0}.guide-summary strong{color:var(--earth)}
.guide-table{overflow:auto;border:1px solid var(--line);border-radius:13px;margin:16px 0}.guide-table table{width:100%;border-collapse:collapse;background:#fff;font-size:13px}.guide-table th,.guide-table td{padding:12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.guide-table th{background:#f5f7f5}

@media(max-width:1000px){
  .nav-links .nav-start-here{width:100%;margin-left:-10px;padding:10px 12px}
}
@media(max-width:760px){
  .journey-top-row{display:block}.journey-privacy{display:inline-flex;margin-top:10px}.journey-options{grid-template-columns:1fr}.journey-path-grid{grid-template-columns:1fr}.journey-body,.journey-results{padding:20px}.calc-meaning-grid,.learn-article-grid{grid-template-columns:1fr}
}

.advanced-coming{display:inline-flex;align-items:center;margin-top:10px;font-size:12px;font-weight:800;color:#68756d;background:#eef2ef;border:1px solid #d9e1db;border-radius:999px;padding:7px 10px;cursor:default}

/* =====================================================================
   v1.1.2 — Terra #3 brand header + My Terra placement polish
   ===================================================================== */
.site-header{
  background:rgba(4,16,25,.97);
  border-bottom:1px solid rgba(143,185,80,.22);
  backdrop-filter:blur(14px);
}
.nav{height:78px;gap:18px}
.terra-brand-art{display:flex;align-items:center;flex:0 0 auto;line-height:0}
.terra-brand-art picture{display:block}
.terra-brand-art img{display:block;height:50px;width:auto;max-width:none}
.nav-links{gap:14px;font-size:12.5px}
.nav-links a{color:#e7efe9}
.nav-links a:hover{color:#a9d162}
.mobile-toggle{color:#fff}
.nav-links a[aria-current]{color:#b8df72!important}
.nav-links a[aria-current]:not(.nav-cta)::after{background:#8fb950!important}
.nav-links .nav-start-here{background:#3e7c43;color:#fff!important;box-shadow:0 5px 14px rgba(0,0,0,.22)}
.nav-links .nav-start-here:hover{background:#4a914f;color:#fff!important}
.nav-links .nav-start-here[aria-current]{background:#4a914f;box-shadow:inset 0 -3px 0 #d5b46f,0 5px 14px rgba(0,0,0,.22)}
.my-terra-save-intro{margin-bottom:0}

@media(max-width:1180px){
  .nav-links{display:none;position:absolute;top:78px;left:0;right:0;background:#07151f;border-bottom:1px solid rgba(143,185,80,.22);padding:18px 22px;flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}
  .mobile-toggle{display:block}
  .nav-links a{color:#e7efe9}
  .nav-links a[aria-current]{width:100%;padding:8px 10px;margin-left:-10px;border-radius:8px;background:rgba(143,185,80,.14);color:#c5e88b!important}
  .nav-links a[aria-current]:not(.nav-cta)::after{display:none}
  .nav-links .nav-start-here{width:100%;margin-left:-10px;padding:10px 12px}
  .terra-brand-art img{height:44px}
}
@media(max-width:560px){
  .nav{height:68px}
  .terra-brand-art img{height:38px}
  .nav-links{top:68px}
}

/* v1.2.0 Knowledge Library article system */
.art-scope{--a:#2d5b3f;--a2:#7b5a31;--ink:#17211b;--muted:#667168;--line:#dce2dc;--soft:#f4f8f5;--panel:#fff}
.art-body{max-width:720px;margin:0 auto}
.art-byline{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:14px;font-size:14px;color:var(--muted)}
.page-hero .art-byline{color:#dce8df}.page-hero .art-byline .reviewed{color:#eef6f0}
.art-byline .dot{opacity:.5}
.art-lede{font-size:19px;line-height:1.65;color:var(--ink);font-weight:500}
.art-body h2{font-size:24px;margin:34px 0 10px;color:var(--ink)}
.art-body h3{font-size:18px;margin:22px 0 6px;color:var(--ink)}
.art-body p{line-height:1.68;color:#2a352e;margin:0 0 14px;font-size:16.5px}
.art-body a{color:var(--a);font-weight:600}.art-body sup a{font-weight:700;text-decoration:none;padding:0 1px}
.art-note{background:var(--soft);border:1px solid var(--line);border-left:4px solid var(--a);border-radius:0 10px 10px 0;padding:14px 16px;margin:18px 0;font-size:14.5px;color:#3a463e}
.art-figure{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:20px 22px;margin:20px 0;box-shadow:0 8px 24px rgba(25,45,32,.05)}
.art-figure table{width:100%;border-collapse:collapse;font-size:15px}.art-figure th,.art-figure td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line)}
.art-figure th{color:var(--muted);font-weight:650;font-size:13px;text-transform:uppercase;letter-spacing:.02em}.art-figure td.n{text-align:right;font-variant-numeric:tabular-nums;font-weight:650}
.art-figure .big{font-size:30px;font-weight:800;color:var(--a);letter-spacing:-.01em}.art-figure figcaption{font-size:12.5px;color:var(--muted);margin-top:10px}
.art-cta{background:linear-gradient(180deg,#22513a,#2d5b3f);color:#fff;border-radius:16px;padding:24px;margin:26px 0}.art-cta h3{color:#fff;margin:0 0 6px;font-size:20px}.art-cta p{color:#dceadf;margin:0 0 14px;font-size:15px;line-height:1.55}.art-cta .btn-primary{background:#fff;color:#22513a}.art-cta .btn-secondary{border-color:rgba(255,255,255,.5);color:#fff}
.art-refs{counter-reset:ref;list-style:none;padding:0;margin:8px 0 0}.art-refs li{counter-increment:ref;position:relative;padding:10px 0 10px 34px;border-bottom:1px solid var(--line);font-size:14px;color:#3a463e}.art-refs li::before{content:counter(ref);position:absolute;left:0;top:10px;width:22px;height:22px;border-radius:6px;background:var(--soft);border:1px solid var(--line);color:var(--a);font-weight:700;font-size:12px;display:grid;place-items:center}
.art-faq details{border:1px solid var(--line);border-radius:12px;background:var(--panel);margin-bottom:10px;overflow:hidden}.art-faq summary{cursor:pointer;padding:15px 17px;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px}.art-faq summary::-webkit-details-marker{display:none}.art-faq summary::after{content:"+";color:var(--a);font-size:20px}.art-faq details[open] summary::after{content:"–"}.art-faq .fa{padding:0 17px 16px;line-height:1.6;color:#2a352e;font-size:15px}
.art-related{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:8px}.art-related a{display:block;border:1px solid var(--line);border-radius:12px;padding:14px 16px;text-decoration:none;color:var(--ink);background:var(--panel)}.art-related a:hover{background:var(--soft)}.art-related .k{font-size:12px;color:var(--a);font-weight:700;text-transform:uppercase;letter-spacing:.02em}
.terra-takeaway{border:1px solid #cbdccb;background:linear-gradient(180deg,#f7fbf7,#eef6f0);border-radius:16px;padding:19px 20px;margin:22px 0}.terra-takeaway .kicker,.terra-questions .kicker{font-size:12px;font-weight:850;letter-spacing:.08em;text-transform:uppercase;color:#2d5b3f;margin-bottom:7px}.terra-takeaway p{margin:0;font-size:16px}
.terra-questions{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:24px 0;margin:32px 0}.terra-questions h2{margin:4px 0 12px}.terra-questions ul{margin:0 0 14px;padding-left:22px}.terra-questions li{margin:9px 0;line-height:1.5;color:#2a352e}.terra-questions .mini{font-size:13.5px;color:var(--muted);margin:8px 0 0}
.learn-article-card.featured-guide{border-color:#b8cfbd;background:linear-gradient(180deg,#fff,#f5faf6)}.learn-article-card .guide-badge{display:inline-flex;width:max-content;padding:4px 7px;border-radius:999px;background:#e7f2e9;color:#28533a;font-size:10px;font-weight:850;letter-spacing:.06em;text-transform:uppercase;margin-bottom:4px}
.article-inline-link{display:block;margin-top:12px;font-weight:800;color:var(--earth-2);text-decoration:none}.article-inline-link:hover{text-decoration:underline}
@media(max-width:700px){.art-related{grid-template-columns:1fr}.art-body h2{font-size:21px}.art-figure{padding:16px}.art-figure table{font-size:13px}.art-byline{font-size:12.5px}}


/* v1.3.2 — privacy-first page feedback + engagement measurement */
.terra-feedback{margin:28px 0 30px;border:1px solid #d8e3da;background:linear-gradient(180deg,#fbfdfb,#f3f8f4);border-radius:15px;padding:17px 18px;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px;align-items:center}
.terra-feedback-copy{min-width:0}.terra-feedback-kicker{display:block;font-size:10px;font-weight:850;letter-spacing:.08em;text-transform:uppercase;color:var(--earth-3,#2d5b3f);margin-bottom:3px}.terra-feedback-copy strong{display:block;font-size:17px;color:var(--ink,#17211b)}.terra-feedback-copy p{margin:4px 0 0!important;font-size:12.5px!important;line-height:1.45!important;color:var(--muted,#667168)!important;max-width:620px}
.terra-feedback-actions{display:flex;gap:8px;align-items:center}.terra-feedback-actions button{appearance:none;border:1px solid #b9c8bc;background:#fff;color:#284535;border-radius:999px;padding:8px 13px;font:inherit;font-size:12.5px;font-weight:800;cursor:pointer;white-space:nowrap}.terra-feedback-actions button:hover{background:#edf5ef;border-color:#8eab94}.terra-feedback-actions button:focus-visible{outline:3px solid rgba(63,125,69,.24);outline-offset:2px}.terra-feedback-actions button[disabled]{cursor:default;opacity:.62}.terra-feedback-actions button.is-selected{background:#2d5b3f;color:#fff;border-color:#2d5b3f;opacity:1}.terra-feedback-status{grid-column:1/-1;margin:-7px 0 0!important;font-size:12px!important;color:#506057!important;min-height:1em}.terra-feedback-section{padding-top:0}.calc-meaning + .terra-feedback{margin-top:14px}.art-body .terra-feedback{max-width:720px}@media(max-width:680px){.terra-feedback{grid-template-columns:1fr;gap:12px}.terra-feedback-actions{justify-content:flex-start}.terra-feedback-status{margin-top:-2px!important}}

input[data-terra-currency]{font-variant-numeric:tabular-nums}


/* =====================================================================
   v1.7.0 — Credit Card Payoff Planner
   ===================================================================== */
.quick-calc-grid{grid-template-columns:repeat(5,1fr)}
/*
   ===================================================================== */
.cc-hero-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:15px}.cc-hero-chips>span:not(.reviewed){display:inline-flex;padding:6px 9px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.20);color:#eef6f0;font-size:11px;font-weight:750}.page-hero .cc-hero-chips .reviewed{color:#eef6f0;background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.20)}
.cc-intro-callout{display:grid;grid-template-columns:1.35fr .65fr;gap:18px;background:linear-gradient(145deg,#173528,#28543d);color:#fff;border-radius:20px;padding:25px;margin-bottom:18px}.cc-intro-callout h2{font-size:27px;margin:5px 0 7px}.cc-intro-callout p{margin:0;color:#cfddd3;font-size:13px;max-width:760px}.cc-intro-stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:16px}.cc-intro-stat span,.cc-intro-stat small{display:block;color:#cfddd3;font-size:10px}.cc-intro-stat strong{display:block;font-size:18px;line-height:1.25;margin:5px 0}
.cc-input-panel,.cc-results-section,.cc-layer,.cc-save-panel,.cc-next{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px;margin-bottom:18px;box-shadow:0 7px 24px rgba(25,45,32,.04)}
.cc-section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:16px}.cc-section-head h2{font-size:27px;letter-spacing:-.03em;margin:5px 0 0}.cc-section-head p{color:var(--muted);font-size:12px;margin:5px 0 0;max-width:760px}
.cc-card-head,.cc-card-row{display:grid;grid-template-columns:1.05fr 1fr .72fr 1fr 72px;gap:9px;align-items:end}.cc-card-head{padding:0 8px 6px;color:var(--muted);font-size:10px;font-weight:800}.cc-card-row{padding:13px 8px;border-top:1px solid var(--line);position:relative}.cc-card-row[hidden]{display:none!important}.cc-card-row:first-child{border-top:0}.cc-card-label{display:none;font-size:11px;font-weight:850;color:var(--earth-3)}.cc-card-field label{display:none;font-size:10px;font-weight:850;margin-bottom:4px}.cc-card-field input{width:100%;padding:10px 11px;border:1px solid #ccd5ce;border-radius:9px;background:#fff;font:inherit}.cc-card-field small{display:block;font-size:9px;color:var(--muted);margin-top:4px;line-height:1.35}.cc-remove{border:0;background:transparent;color:#8a4b32;font-size:10px;font-weight:800;cursor:pointer;padding:10px 4px}.cc-remove:hover{text-decoration:underline}.cc-input-actions{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin-top:14px}.cc-input-actions .calc-validation{margin:0}
.cc-results-section{scroll-margin-top:92px}.cc-results-section.cc-result-flash{animation:ccResultFlash 1.25s ease-out}@keyframes ccResultFlash{0%{box-shadow:0 0 0 4px rgba(73,145,78,.3),0 7px 24px rgba(25,45,32,.04)}100%{box-shadow:0 7px 24px rgba(25,45,32,.04)}}.cc-next-steps{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}.cc-next-steps h3{margin:5px 0 12px;font-size:19px;color:#173528}.cc-next-steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.cc-next-steps-grid a{display:block;text-decoration:none;border:1px solid #d9e4dc;border-radius:12px;padding:13px 14px;background:#f8fbf9;color:#173528;transition:.15s ease}.cc-next-steps-grid a:hover{transform:translateY(-1px);border-color:#aec7b4;background:#f2f8f3}.cc-next-steps-grid strong{display:block;font-size:13px;margin-bottom:4px}.cc-next-steps-grid span{display:block;font-size:10.5px;line-height:1.45;color:var(--muted)}#cc-extra-options,#cc-strategy-options,#cc-target-options{scroll-margin-top:92px}.cc-metric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.cc-metric-grid .calc-metric:nth-child(5),.cc-metric-grid .calc-metric:nth-child(6),.cc-metric-grid .calc-metric:nth-child(7){grid-column:span 1}.cc-cost-visual{margin-top:15px;background:#f7f9f7;border:1px solid var(--line);border-radius:13px;padding:15px}.cc-cost-bar{height:18px;border-radius:999px;background:#e9ede9;overflow:hidden;display:flex}.cc-cost-principal{background:#356c50}.cc-cost-interest{background:#a77b3e}.cc-cost-key{display:flex;gap:16px;flex-wrap:wrap;margin:8px 0 5px;font-size:10px;color:var(--muted)}.cc-cost-key i{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:5px}.cc-cost-key i.principal{background:#356c50}.cc-cost-key i.interest{background:#a77b3e}.cc-cost-visual p{font-size:12px;color:#526158;margin:0}.cc-cost-visual strong{color:#173528}
.cc-extra-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:18px;align-items:start}.cc-extra-input{background:#f7f9f7;border:1px solid var(--line);border-radius:13px;padding:15px}.cc-extra-input label{display:block;font-size:11px;font-weight:850;margin-bottom:5px}.cc-extra-input input{width:100%;padding:11px 12px;border:1px solid #ccd5ce;border-radius:9px;font:inherit}.cc-extra-results{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.cc-pill-row{display:flex;gap:7px;flex-wrap:wrap;margin-top:10px}.cc-pill-row button{border:1px solid #cbd6ce;background:#fff;color:#244233;border-radius:999px;padding:8px 11px;font-size:11px;font-weight:850;cursor:pointer}.cc-pill-row button.active,.cc-pill-row button:hover{background:#e8f0ea;border-color:#a9c0ae}.cc-headline{margin:14px 0;background:#edf4ef;border:1px solid #d3e2d7;border-radius:13px;padding:14px 15px;font-size:13px;color:#31513d}.cc-chart-wrap{margin-top:14px;border-top:1px solid var(--line);padding-top:15px}.cc-strategy-table td:first-child{text-align:left}.cc-strategy-table td:first-child small{display:block;color:var(--muted);font-size:9px;margin-top:2px}.cc-best{font-weight:850;color:#25633f}.cc-strategy-note{margin-top:10px;padding:12px 13px;border-radius:11px;background:#f7f9f7;border:1px solid var(--line);font-size:12px;color:#56645b}.cc-two-explain{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:12px}.cc-two-explain article{border:1px solid var(--line);border-radius:12px;padding:14px}.cc-two-explain h3{font-size:15px;margin:0 0 5px}.cc-two-explain p{font-size:11px;color:var(--muted);margin:0}.cc-targets{margin-top:0}.cc-target-result{margin-top:13px;background:#f8f3e9;border:1px solid #eadfc9;border-radius:13px;padding:16px;font-size:13px;color:#5f5647}.cc-target-result strong{color:#173528}.cc-method-panel{background:#fbfcfa}.cc-save-panel,.cc-next{display:flex;align-items:center;justify-content:space-between;gap:22px}.cc-save-panel h2,.cc-next h2{font-size:24px;margin:5px 0 5px}.cc-save-panel p,.cc-next p{font-size:12px;color:var(--muted);margin:0;max-width:720px}.cc-save-actions{display:flex;gap:8px;flex-wrap:wrap;align-items:center;justify-content:flex-end}.cc-save-actions span{width:100%;text-align:right;color:var(--muted);font-size:9.5px}.cc-next{background:linear-gradient(180deg,#f7fbf7,#eef6f0)}
@media(max-width:980px){.quick-calc-grid{grid-template-columns:1fr 1fr}.cc-intro-callout,.cc-extra-grid{grid-template-columns:1fr}.cc-metric-grid{grid-template-columns:repeat(2,1fr)}.cc-card-head{display:none}.cc-card-row{grid-template-columns:1fr 1fr}.cc-card-label{display:block;grid-column:1/-1}.cc-card-field label{display:block}.cc-remove{grid-column:1/-1;justify-self:start}.cc-save-panel,.cc-next{display:block}.cc-save-actions{justify-content:flex-start;margin-top:14px}.cc-save-actions span{text-align:left}.cc-next .btn{margin-top:14px}}
@media(max-width:620px){.quick-calc-grid{grid-template-columns:1fr}.cc-input-panel,.cc-results-section,.cc-layer,.cc-save-panel,.cc-next{padding:17px}.cc-section-head{display:block}.cc-section-head>.calc-button{margin-top:12px}.cc-card-row,.cc-metric-grid,.cc-extra-results,.cc-two-explain,.cc-next-steps-grid{grid-template-columns:1fr}.cc-intro-callout{padding:20px}.cc-metric-grid .calc-metric{grid-column:auto!important}.cc-card-row{padding:15px 2px}.cc-pill-row button{flex:1 1 42%}}


/* =====================================================================
   v1.8.0 — focused financial decision calculators
   ===================================================================== */
.quick-calc-grid{grid-template-columns:repeat(3,1fr)}
.decision-source{margin-top:16px;padding:13px 14px;border:1px solid #dce5de;background:#f8faf8;border-radius:12px;font-size:11px;line-height:1.55;color:#5b675f}.decision-source a{font-weight:800;color:var(--earth-2)}
.decision-headline{margin-top:13px;padding:13px 14px;border-radius:12px;background:#edf4ef;border:1px solid #d4e3d7;color:#31513d;font-size:12px;line-height:1.5}.decision-headline strong{color:#173528}
.decision-break-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:11px}.decision-break-grid>div{border:1px solid var(--line);border-radius:11px;padding:12px;background:#fafbf9}.decision-break-grid span{display:block;font-size:9.5px;color:var(--muted)}.decision-break-grid strong{display:block;margin-top:3px;font-size:18px;color:#173528}
.calc-field small{display:block;font-size:9.5px;line-height:1.4;color:var(--muted);margin-top:4px}.calc-field small strong{color:#355242}
@media(max-width:980px){.quick-calc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.quick-calc-grid,.decision-break-grid{grid-template-columns:1fr}}

/* v1.8.1 Roth vs. Traditional education layer */
.roth-explainer{grid-column:1/-1;background:linear-gradient(180deg,#ffffff,#f6faf7)}
.roth-explainer,.roth-explainer~.calc-panel{min-width:0}
.roth-explainer h2{margin:6px 0 8px}.roth-explainer>p{max-width:850px}
.roth-choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:15px}
.roth-choice-grid>div{border:1px solid #dbe3dc;border-radius:13px;padding:16px;background:#fff}
.roth-choice-grid strong{display:block;color:#173528;font-size:16px;line-height:1.35;margin:5px 0 6px}
.roth-choice-grid p{margin:0;color:#56645b;font-size:12.5px;line-height:1.55}
.roth-choice-label{display:inline-block;font-size:10px;font-weight:850;text-transform:uppercase;letter-spacing:.06em;color:#2d5b3f}
.decision-break-grid small{display:block;margin-top:4px;color:#68756d;font-size:10.5px;line-height:1.35}
.roth-guide-link{margin:15px 0 0!important;font-size:13px!important}.roth-guide-link a{font-weight:800;color:var(--earth-2)}
@media(max-width:700px){.roth-choice-grid{grid-template-columns:1fr}}


/* =====================================================================
   v1.8.3 — optional chart/table readability + responsive data display
   ===================================================================== */
/* Optional calculator tables should compare values, not span empty desktop space. */
.calc-table-wrap{
  width:min(100%,900px);
  margin-left:auto;
  margin-right:auto;
}
.calc-table{
  min-width:0;
  font-variant-numeric:tabular-nums;
}
.calc-table th,.calc-table td{vertical-align:middle}

/* Three-column payoff schedule gets a deliberately compact comparison width. */
#ccSchedule{max-width:720px}
#ccSchedule .calc-table{table-layout:fixed;min-width:0}
#ccSchedule .calc-table th:first-child,#ccSchedule .calc-table td:first-child{width:18%}
#ccSchedule .calc-table th:nth-child(2),#ccSchedule .calc-table td:nth-child(2),
#ccSchedule .calc-table th:nth-child(3),#ccSchedule .calc-table td:nth-child(3){width:41%}
#ccStrategyTable{max-width:900px}

/* Keep opened detail panels at an easier comparison width on large screens.
   Capping the parent also lets canvas code render at the displayed width rather than scale down afterward. */
.calc-visual{max-width:900px;margin-left:auto;margin-right:auto}
.cc-chart-wrap{max-width:900px;margin-left:auto;margin-right:auto}

/* Larger retirement tables need their columns, but still sit cleanly in the page. */
.ricp-table-wrap{font-variant-numeric:tabular-nums}

@media(max-width:700px){
  .calc-table-wrap{width:100%;max-width:100%;margin-left:0;margin-right:0;overflow:auto}
  .calc-table{min-width:560px}
  #ccSchedule .calc-table{min-width:0}
  #ccSchedule .calc-table th,#ccSchedule .calc-table td{padding-left:7px;padding-right:7px}
  .calc-visual,.cc-chart-wrap{width:100%;max-width:100%;margin-left:0;margin-right:0}
  .calc-chart-title{display:block}
  .calc-chart-title p{margin-top:4px}
}


/* v1.8.4 trust + revenue transparency */
.home-brand-promise{font-size:17px!important;font-weight:800;color:var(--earth-2)!important;margin:0 0 9px!important;letter-spacing:-.01em}
.trust-items a{text-decoration:none;color:inherit}.trust-items a:hover strong{text-decoration:underline;text-underline-offset:3px}
.terra-principle-strip{background:#f3f6f2;border-bottom:1px solid var(--line)}
.terra-principle-inner{min-height:44px;display:flex;align-items:center;justify-content:center;gap:8px 20px;flex-wrap:wrap;font-size:11px;color:#536158}
.terra-principle-inner strong{color:var(--earth);text-transform:uppercase;letter-spacing:.09em;font-size:10px}
.terra-principle-inner span{position:relative}.terra-principle-inner span:before{content:"·";position:absolute;left:-12px;color:#9aa69e}
.terra-principle-inner a{color:var(--earth-2);font-weight:800;text-decoration:none}.terra-principle-inner a:hover{text-decoration:underline;text-underline-offset:3px}
.revenue-promise{background:linear-gradient(145deg,#eef4ef,#f8f8f4);border:1px solid #d7e1d9;border-radius:18px;padding:25px 28px;margin:-3px 0 20px}
.revenue-promise strong{display:block;color:var(--earth);font-size:24px;letter-spacing:-.025em;margin-bottom:5px}.revenue-promise p{margin:0;color:var(--muted);max-width:850px}
.revenue-grid .info-block{min-height:250px}
.trust-rule-list{display:grid;gap:12px;margin:0 0 24px}.trust-rule-list>div{display:grid;grid-template-columns:38px 1fr;gap:14px;padding:18px 20px;background:#fff;border:1px solid var(--line);border-radius:14px}.trust-rule-list>div>span{width:34px;height:34px;border-radius:10px;background:#e8eee9;color:var(--earth-2);display:grid;place-items:center;font-size:12px;font-weight:850}.trust-rule-list strong{display:block;font-size:16px}.trust-rule-list p{margin:3px 0 0;color:var(--muted);font-size:13px}.revenue-cta{margin-top:22px}
@media(max-width:700px){.terra-principle-inner{justify-content:flex-start;padding:10px 0;gap:7px 15px}.terra-principle-inner strong{flex-basis:100%}.terra-principle-inner span:before{display:none}.terra-principle-inner a{flex-basis:100%}.revenue-promise{padding:20px}.revenue-promise strong{font-size:20px}.trust-rule-list>div{grid-template-columns:32px 1fr;padding:16px}.revenue-cta{display:block}.revenue-cta .actions{margin-top:15px}}


/* =====================================================================
   v1.9.0 — Money & Investing Basics course
   ===================================================================== */
.course-hub-hero{background:radial-gradient(circle at 85% 15%,rgba(167,123,62,.18),transparent 28%),linear-gradient(145deg,#f3f7f3,#edf2ec);padding-bottom:58px}.course-hub-hero .eyebrow{color:#6d8d6d;font-weight:900}.course-hub-hero h1{color:#173528;max-width:820px}.course-hub-hero p{color:#44564b;max-width:760px}.course-hub-hero .btn-secondary{background:#fff;border-color:#cfdad2;color:#173528}.course-hub-hero .btn-secondary:hover{border-color:#b5c9ba;background:#f7faf7}
.course-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:42px;align-items:center}.course-hero-card{background:var(--earth);color:#fff;border-radius:22px;padding:28px;box-shadow:var(--shadow)}.course-hero-card .course-hero-icon{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:rgba(255,255,255,.12);font-size:25px;font-weight:900;margin-bottom:18px}.course-hero-card strong{display:block;font-size:25px;line-height:1.2;letter-spacing:-.02em}.course-hero-card span{display:block;color:#cedbd2;font-size:13px;margin-top:15px;line-height:1.55}
.course-progress-band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.course-progress-band>.container{min-height:70px;display:grid;grid-template-columns:auto minmax(160px,1fr) auto;align-items:center;gap:18px}.course-progress-copy strong{display:block;font-size:13px}.course-progress-copy span{font-size:11px;color:var(--muted)}.course-progress-track{height:9px;background:#e7ece8;border-radius:999px;overflow:hidden}.course-progress-track span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--earth-3),#78a85e);border-radius:999px;transition:width .2s ease}.course-progress-band a{font-size:12px;font-weight:850;color:var(--earth-2);text-decoration:none}
.course-module-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.course-module-card{display:grid;grid-template-columns:52px 1fr auto;gap:15px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:17px;padding:19px;text-decoration:none;box-shadow:0 5px 18px rgba(21,48,34,.035);transition:.15s ease}.course-module-card:hover{transform:translateY(-2px);border-color:#cbd8ce;box-shadow:0 12px 26px rgba(21,48,34,.075)}.course-module-card.complete{border-color:#bad0bd;background:#f8fbf8}.course-module-num{width:46px;height:46px;border-radius:14px;background:#eaf1eb;color:var(--earth-2);display:grid;place-items:center;font-weight:900}.course-module-copy small{display:block;text-transform:uppercase;letter-spacing:.08em;color:var(--earth-3);font-weight:850;font-size:9px}.course-module-copy strong{display:block;font-size:18px;margin:5px 0 4px}.course-module-copy p{margin:0;color:var(--muted);font-size:12px;line-height:1.5}.course-module-state{font-size:10px;font-weight:850;color:#718078;white-space:nowrap}.course-module-card.complete .course-module-state{color:var(--positive)}
.course-dual{display:grid;grid-template-columns:1fr 1fr;gap:18px}.course-dual>div{background:#fff;border:1px solid var(--line);border-radius:18px;padding:27px}.course-dual h2{font-size:28px;margin:7px 0 10px;letter-spacing:-.03em}.course-dual p{color:var(--muted)}.course-text-link{font-weight:800;color:var(--earth-2);text-decoration:none}.course-why{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.course-why>div{padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff}.course-why span{width:34px;height:34px;border-radius:10px;background:#e8eee9;color:var(--earth-2);display:grid;place-items:center;font-weight:900}.course-why h3{margin:14px 0 6px}.course-why p{color:var(--muted);font-size:13px;margin:0}
.course-module-hero{background:linear-gradient(150deg,#173528,#244e39);color:#fff}.course-module-hero .container{max-width:980px}.course-module-hero p{color:#d5e1d8;max-width:790px}.course-module-top{display:flex;justify-content:space-between;gap:15px;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#bfd1c3;font-weight:800;margin-bottom:8px}.parent-hero .eyebrow{color:#c4df99}
.course-lesson-section{padding-top:46px}.course-shell{display:grid;grid-template-columns:245px minmax(0,760px);gap:42px;justify-content:center;align-items:start}.course-side{position:sticky;top:100px}.course-back{display:block;text-decoration:none;color:var(--earth-2);font-weight:850;font-size:12px;margin-bottom:14px}.course-side-progress{border:1px solid var(--line);background:#fff;border-radius:13px;padding:13px;margin-bottom:12px}.course-side-progress strong{display:block;font-size:11px;margin-bottom:8px}.course-side nav{display:grid;gap:3px}.course-side nav a{display:grid;grid-template-columns:25px 1fr;gap:8px;align-items:center;text-decoration:none;color:#4b5a51;font-size:11px;line-height:1.3;padding:7px 8px;border-radius:9px}.course-side nav a:hover{background:#eef3ef}.course-side nav a.complete{color:var(--positive)}.course-side nav a span{width:23px;height:23px;border-radius:7px;display:grid;place-items:center;background:#eef2ef;font-weight:850}.course-parent-mini{display:block;margin-top:13px;font-size:11px;font-weight:850;color:var(--earth-2);text-decoration:none}
.course-lesson{min-width:0}.course-lesson h2{font-size:28px;letter-spacing:-.025em;margin:34px 0 10px}.course-lesson h3{font-size:20px}.course-lesson p,.course-lesson li{font-size:16px;line-height:1.68;color:#2d3a32}.course-callout{background:#edf4ef;border:1px solid #d6e2d8;border-left:4px solid var(--earth-3);padding:17px 18px;border-radius:0 13px 13px 0;font-size:15px;color:#34463a}.course-four{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:20px 0}.course-four>div,.course-two>div{border:1px solid var(--line);background:#fff;border-radius:13px;padding:16px}.course-four b,.course-four span{display:block}.course-four span{font-size:12px;color:var(--muted);margin-top:4px}.course-two{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}.course-two h3{margin:0 0 5px}.course-two p{font-size:13px;margin:0;color:var(--muted)}.course-example{background:#fff;border:1px solid var(--line);border-radius:16px;padding:21px;margin:22px 0;box-shadow:0 6px 20px rgba(21,48,34,.04)}.course-example>span{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--earth-3);font-weight:900}.course-example h3{margin:7px 0 6px}.course-example p{font-size:14px;color:var(--muted)}.course-list{padding-left:22px}.course-list li{margin:8px 0}.course-remember{margin:27px 0;padding:20px 22px;background:linear-gradient(145deg,#18382a,#285a40);color:#fff;border-radius:16px}.course-remember span{display:block;text-transform:uppercase;letter-spacing:.09em;font-size:10px;color:#c6d8ca;font-weight:850}.course-remember strong{display:block;font-size:21px;line-height:1.35;margin-top:6px}.course-quiz{border:1px solid #d7dfd8;background:#f7f9f7;border-radius:16px;padding:20px;margin:26px 0}.course-quiz h3{margin:0 0 5px}.course-quiz p{font-size:14px;margin:0 0 13px}.course-quiz button{display:block;width:100%;text-align:left;background:#fff;border:1px solid var(--line);border-radius:10px;padding:11px 12px;margin:7px 0;font:inherit;font-size:13px;cursor:pointer}.course-quiz button:hover:not(:disabled){border-color:var(--earth-3)}.course-quiz button.correct{border-color:#6a9a72;background:#edf7ef}.course-quiz button.wrong{border-color:#be7b72;background:#fbf0ee}.course-quiz-feedback{font-size:12px;font-weight:750;margin-top:10px}.course-quiz-feedback.ok{color:var(--positive)}.course-quiz-feedback.retry{color:#805048}.course-sources{margin:34px 0 8px;border-top:1px solid var(--line);padding-top:20px}.course-sources h3{font-size:15px}.course-sources ul{padding-left:20px}.course-sources li{font-size:12px;margin:6px 0}.course-sources a{color:var(--earth-2)}.course-complete-box{display:flex;justify-content:space-between;gap:20px;align-items:center;background:#f0f5f1;border:1px solid #d5e0d7;border-radius:16px;padding:20px;margin-top:28px}.course-complete-box small{display:block;text-transform:uppercase;font-weight:850;letter-spacing:.08em;color:var(--earth-3)}.course-complete-box strong{display:block;font-size:18px;margin:3px 0}.course-complete-box p{font-size:11px;color:var(--muted);margin:0}.course-complete-box button.is-complete{background:var(--positive)}.course-next-row{display:flex;justify-content:space-between;align-items:center;gap:14px;margin-top:20px}.course-next-row>a:first-child{font-size:12px;font-weight:800;color:var(--earth-2);text-decoration:none}.course-roadmap{display:grid;gap:9px;margin:20px 0}.course-roadmap>div{display:grid;grid-template-columns:38px 1fr;gap:12px;align-items:start;border:1px solid var(--line);border-radius:12px;padding:12px 14px;background:#fff}.course-roadmap span{width:34px;height:34px;border-radius:10px;background:#e9f0ea;color:var(--earth-2);display:grid;place-items:center;font-weight:900}.course-roadmap p{margin:0;font-size:14px}.course-redflags{border:1px solid #e4d7ca;background:#fff9f2;border-radius:15px;padding:18px 20px;margin:22px 0}.course-redflags h3{margin-top:0}.course-redflags li{font-size:14px;margin:7px 0}
.course-parent-body{max-width:840px}.course-parent-steps{padding:0;list-style:none;counter-reset:parentstep}.course-parent-steps li{counter-increment:parentstep;position:relative;padding:15px 15px 15px 58px;border-bottom:1px solid var(--line)}.course-parent-steps li:before{content:counter(parentstep);position:absolute;left:10px;top:13px;width:32px;height:32px;border-radius:10px;background:#e8eee9;color:var(--earth-2);font-weight:900;display:grid;place-items:center}.course-parent-steps strong,.course-parent-steps span{display:block}.course-parent-steps span{font-size:13px;color:var(--muted);margin-top:3px}.course-parent-lab{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;margin:28px 0}.course-parent-questions{display:grid;grid-template-columns:1fr 1fr;gap:10px}.course-parent-questions>div{background:#f6f8f6;border-radius:11px;padding:13px}.course-parent-questions strong,.course-parent-questions span{display:block}.course-parent-questions span{font-size:12px;color:var(--muted);margin-top:3px}
.course-home-banner{margin-top:20px;display:grid;grid-template-columns:auto 1fr auto;gap:17px;align-items:center;background:linear-gradient(135deg,#173528,#285a40);color:#fff;border-radius:18px;padding:20px 22px;text-decoration:none;box-shadow:0 10px 28px rgba(21,48,34,.16)}.course-home-banner .course-home-mark{width:48px;height:48px;border-radius:14px;background:rgba(255,255,255,.12);display:grid;place-items:center;font-weight:900;font-size:22px}.course-home-banner strong{display:block;font-size:18px}.course-home-banner small{display:block;color:#d2ded5;margin-top:3px}.course-home-banner b{font-size:13px;color:#d8ebb6}.course-learn-feature{display:grid;grid-template-columns:1.2fr .8fr;gap:20px;background:linear-gradient(145deg,#173528,#2b5a41);color:#fff;border-radius:20px;padding:28px;margin-bottom:28px}.course-learn-feature h2{font-size:32px;margin:7px 0 8px}.course-learn-feature p{color:#d5e2d8}.course-learn-feature .course-mini-list{display:grid;grid-template-columns:1fr 1fr;gap:8px}.course-learn-feature .course-mini-list span{background:rgba(255,255,255,.09);border-radius:10px;padding:10px;font-size:11px}.course-start-callout{margin:0 0 22px;background:#eef4ef;border:1px solid #d6e1d8;border-radius:16px;padding:18px 20px;display:flex;justify-content:space-between;gap:18px;align-items:center}.course-start-callout strong{display:block}.course-start-callout p{margin:3px 0 0;color:var(--muted);font-size:13px}
@media(max-width:900px){.course-hero-grid,.course-shell,.course-learn-feature{grid-template-columns:1fr}.course-side{position:static}.course-side nav{display:none}.course-module-grid,.course-dual,.course-why{grid-template-columns:1fr}.course-home-banner{grid-template-columns:auto 1fr}.course-home-banner b{grid-column:2}.course-parent-questions{grid-template-columns:1fr}}
@media(max-width:620px){.course-progress-band>.container{grid-template-columns:1fr;gap:7px;padding:12px 0}.course-module-card{grid-template-columns:44px 1fr}.course-module-state{grid-column:2}.course-module-top{display:block}.course-module-top span{display:block;margin-bottom:4px}.course-four,.course-two{grid-template-columns:1fr}.course-complete-box,.course-next-row,.course-start-callout{display:block}.course-complete-box .btn,.course-next-row .btn,.course-start-callout .btn{margin-top:13px;width:100%}.course-home-banner{display:block}.course-home-banner .course-home-mark{margin-bottom:12px}.course-home-banner b{display:block;margin-top:10px}.course-learn-feature .course-mini-list{grid-template-columns:1fr}.course-hub-hero{padding-top:46px}}


/* =====================================================================
   v1.9.2 — Editorial standards, authorship and deeper education
   ===================================================================== */
.editorial-review-line{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:center;margin-top:13px;font-size:12px;color:#637168}.editorial-review-line a{color:var(--earth-2);font-weight:800;text-decoration:none}.page-hero .editorial-review-line,.course-module-hero .editorial-review-line{color:#cfddd3}.page-hero .editorial-review-line a,.course-module-hero .editorial-review-line a{color:#e4f1d2}.editorial-process-box{margin:20px 0;padding:17px 18px;border:1px solid #d7e0d8;border-radius:14px;background:#f7faf7}.editorial-process-box strong{display:block;margin-bottom:5px}.editorial-process-box p{margin:0;color:#526158;font-size:13px;line-height:1.55}.editorial-process-box a{color:var(--earth-2);font-weight:800}.course-depth-box{margin:24px 0;padding:20px 21px;border:1px solid #d8e1da;border-radius:15px;background:#fff}.course-depth-box .kicker{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--earth-3);font-weight:900}.course-depth-box h3{margin:7px 0 7px}.course-depth-box p,.course-depth-box li{font-size:14px;line-height:1.6;color:#35433a}.course-depth-box ul{margin-bottom:0}.course-change-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}.course-change-grid>div{background:#f7f9f7;border:1px solid var(--line);border-radius:13px;padding:16px}.course-change-grid h3{font-size:17px;margin:0 0 6px}.course-change-grid p{font-size:13px;line-height:1.55;margin:0;color:#526158}.decision-guide-band{margin:0 0 30px;padding:26px;border:1px solid #d8e1da;border-radius:20px;background:linear-gradient(145deg,#f6faf6,#eef4ef)}.decision-guide-band .section-head{margin-bottom:18px}.decision-guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}.decision-guide-card{display:block;background:#fff;border:1px solid var(--line);border-radius:15px;padding:18px;text-decoration:none;transition:.15s ease}.decision-guide-card:hover{transform:translateY(-2px);border-color:#c2d1c5;box-shadow:0 10px 24px rgba(21,48,34,.07)}.decision-guide-card .eyebrow{font-size:9px}.decision-guide-card strong{display:block;font-size:18px;color:#1e2d24;margin:6px 0}.decision-guide-card p{font-size:12px;line-height:1.5;color:var(--muted);margin:0}.decision-guide-card b{display:block;margin-top:10px;font-size:12px;color:var(--earth-2)}.art-decision-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:20px 0}.art-decision-grid>div{border:1px solid var(--line);background:#fff;border-radius:14px;padding:17px}.art-decision-grid h3{margin:0 0 6px;font-size:18px}.art-decision-grid p{margin:0;color:#4c5b52;font-size:14px}.art-step-list{counter-reset:step;list-style:none;padding:0;margin:22px 0}.art-step-list li{counter-increment:step;position:relative;padding:15px 15px 15px 58px;border:1px solid var(--line);border-radius:13px;background:#fff;margin:9px 0}.art-step-list li:before{content:counter(step);position:absolute;left:14px;top:14px;width:30px;height:30px;border-radius:9px;background:#e8f0e9;color:var(--earth-2);font-weight:900;display:grid;place-items:center}.art-step-list strong{display:block;margin-bottom:3px}.art-step-list span{display:block;color:#536159;font-size:13px;line-height:1.5}.trust-standard-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.trust-standard-grid>article{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}.trust-standard-grid h3{font-size:19px;margin:6px 0 8px}.trust-standard-grid p,.trust-standard-grid li{font-size:13px;color:#526158;line-height:1.55}.source-tier{display:grid;grid-template-columns:140px 1fr;gap:14px;align-items:start;border-bottom:1px solid var(--line);padding:15px 0}.source-tier strong{color:var(--earth-2)}.source-tier p{margin:0;color:#536159;font-size:14px}.editorial-badge{display:inline-flex;align-items:center;gap:7px;padding:6px 9px;border-radius:999px;background:#e9f1ea;color:#31543e;font-size:11px;font-weight:850}.trust-links-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:12px}.trust-links-row a{font-weight:800;color:var(--earth-2)}
@media(max-width:800px){.decision-guide-grid,.art-decision-grid,.trust-standard-grid,.course-change-grid{grid-template-columns:1fr}.source-tier{grid-template-columns:1fr;gap:5px}}
.art-tool-callout{display:grid;grid-template-columns:1.2fr auto;gap:22px;align-items:center;margin:28px 0;padding:22px 24px;border-radius:18px;background:linear-gradient(145deg,#173528,#285a40);color:#fff}.art-tool-callout .kicker{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:#cce0cf;font-weight:900}.art-tool-callout h2{color:#fff;margin:6px 0 7px;font-size:24px}.art-tool-callout p{color:#d9e5dc;margin:0;font-size:14px}.art-tool-callout .actions{margin:0;justify-content:flex-end}.art-tool-callout .btn-primary,.art-tool-callout .art-tool-primary{background:#fff;color:#173528;border-color:#fff;box-shadow:0 4px 14px rgba(0,0,0,.12)}.art-tool-callout .btn-primary:hover,.art-tool-callout .art-tool-primary:hover{background:#f4faf5;color:#123021;border-color:#f4faf5}.art-tool-callout .btn-secondary,.art-tool-callout .art-tool-secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.62)}.art-tool-callout .btn-secondary:hover,.art-tool-callout .art-tool-secondary:hover{background:rgba(255,255,255,.1);border-color:#fff;color:#fff}@media(max-width:760px){.art-tool-callout{grid-template-columns:1fr}.art-tool-callout .actions{justify-content:flex-start}}


/* v1.9.3 — Bonds article: compact price/yield teaching callout */
.bond-yield-callout{margin:22px 0 26px;padding:22px;border:1px solid #cbdccb;border-radius:18px;background:linear-gradient(180deg,#fbfdfb,#eef6f0);box-shadow:0 10px 28px rgba(25,45,32,.05)}
.bond-yield-callout>.kicker{font-size:11px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:#2d5b3f;margin-bottom:5px}
.bond-yield-callout h3{font-size:22px;margin:0 0 10px;color:#1f3527}.bond-yield-callout p{font-size:15px;line-height:1.6;margin:0 0 13px}
.bond-yield-seesaw{display:grid;grid-template-columns:minmax(0,1fr) 54px minmax(0,1fr);align-items:center;gap:10px;margin:15px 0 8px;padding:13px 14px;border:1px solid #d5e1d7;border-radius:13px;background:#fff}
.bond-yield-seesaw.reverse{margin-top:8px}.bond-yield-side{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;column-gap:9px;align-items:center}.bond-yield-side .bond-yield-arrow{grid-row:1/3;font-size:31px;line-height:1;color:#2f6947;font-weight:900}.bond-yield-side .bond-yield-arrow.down{color:#8a4b3c}.bond-yield-side strong{font-size:16px;color:#223329}.bond-yield-side small{font-size:12px;color:#647068}.bond-yield-pivot{text-align:center;font-size:25px;color:#7b877f;font-weight:700}
.bond-yield-mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin:15px 0}.bond-yield-mini-grid>div{border:1px solid #d5e1d7;border-radius:12px;background:#fff;padding:13px;text-align:center}.bond-yield-mini-grid span,.bond-yield-mini-grid small{display:block;color:#657169;font-size:11.5px}.bond-yield-mini-grid strong{display:block;font-size:23px;color:#234b35;margin:3px 0}.bond-yield-mini-grid b{color:#234b35}
.bond-yield-callout .bond-yield-precision{font-size:13.5px;color:#44534a;background:#fff;border:1px solid #dce5dd;border-radius:11px;padding:12px 13px}.bond-yield-memory{margin-top:12px;padding:11px 13px;border-radius:11px;background:#244d37;color:#fff;font-size:14px;line-height:1.45}.bond-yield-memory strong{color:#fff}
@media(max-width:700px){.bond-yield-callout{padding:17px}.bond-yield-callout h3{font-size:19px}.bond-yield-seesaw{grid-template-columns:1fr 34px 1fr;padding:11px 10px}.bond-yield-side{grid-template-columns:1fr;text-align:center}.bond-yield-side .bond-yield-arrow{grid-row:auto;font-size:27px}.bond-yield-pivot{font-size:20px}.bond-yield-mini-grid{grid-template-columns:1fr}.bond-yield-mini-grid>div{display:grid;grid-template-columns:1fr auto;grid-template-rows:auto auto;text-align:left;column-gap:12px}.bond-yield-mini-grid span{grid-column:1}.bond-yield-mini-grid strong{grid-column:2;grid-row:1/3;align-self:center}.bond-yield-mini-grid small{grid-column:1}}


/* ===== v1.9.5 — privacy-first site search ===== */
.nav-search-link{display:inline-flex!important;align-items:center;gap:5px;padding:6px 8px!important;border:1px solid rgba(197,232,139,.28);border-radius:9px;line-height:1}.nav-search-link::before{content:"\1F50D";font-size:11px;line-height:1}.nav-search-link:hover{background:rgba(143,185,80,.12)}.nav-search-link[aria-current]{background:rgba(143,185,80,.16);color:#c5e88b!important}.nav-search-link[aria-current]::after{display:none!important}
.search-hero{padding:64px 0 46px;background:linear-gradient(145deg,#10271d,#285a40);color:#fff}.search-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:36px;align-items:center}.search-hero .eyebrow{color:#c6e28f}.search-hero h1{font-size:clamp(38px,6vw,60px);line-height:1.03;letter-spacing:-.045em;margin:10px 0 15px}.search-hero p{max-width:760px;color:#d5e2d8;font-size:17px;margin:0}.search-privacy-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:20px}.search-privacy-card strong{display:block;margin-bottom:6px}.search-privacy-card p{font-size:12px;line-height:1.55;color:#d5e2d8}
.search-section{padding-top:42px}.search-shell{max-width:900px}.terra-search-form{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow)}.terra-search-form>label{display:block;font-weight:850;margin-bottom:9px}.terra-search-control{display:grid;grid-template-columns:1fr auto;gap:10px}.terra-search-control input{width:100%;min-height:50px;border:1px solid #cbd5cd;border-radius:11px;padding:0 15px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}.terra-search-control input:focus{outline:3px solid rgba(53,108,80,.16);border-color:var(--earth-3)}
.search-popular{display:flex;align-items:center;gap:8px;flex-wrap:wrap;padding:15px 3px 4px;color:var(--muted);font-size:12px}.search-popular span{font-weight:800;color:#4b5a51}.search-popular button{border:1px solid #d5ddd7;background:#fff;color:var(--earth-2);border-radius:999px;padding:6px 10px;font:inherit;font-weight:750;cursor:pointer}.search-popular button:hover{border-color:#9db8a4;background:#f4f8f4}.search-status{margin:24px 0 12px;font-size:13px;color:var(--muted);font-weight:750}.search-results{display:grid;gap:13px}.search-result-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 21px}.search-result-top{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}.search-result-top>a{font-size:20px;font-weight:850;color:var(--earth);text-decoration:none}.search-result-top>a:hover{text-decoration:underline}.search-result-type{display:inline-flex;padding:4px 7px;border-radius:999px;background:#e9f0ea;color:#31513d;font-size:10px;font-weight:850;letter-spacing:.06em;text-transform:uppercase}.search-match{margin-top:12px;padding-top:12px;border-top:1px solid #edf0ed}.search-match strong{font-size:13px}.search-match p{margin:4px 0 0;color:#56645b;font-size:13px}.search-result-open{display:inline-block;margin-top:13px;color:var(--earth-2);font-size:12px;font-weight:850;text-decoration:none}.search-result-open:hover{text-decoration:underline}.search-result-card mark{background:#fff0a9;color:inherit;border-radius:3px;padding:0 1px}.search-empty-help{margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}.search-empty-help h2{margin:0 0 7px}.search-empty-help p{color:var(--muted)}
.learn-search-band{padding:22px 0 0}.learn-search-card{display:grid;grid-template-columns:1fr minmax(360px,.9fr);gap:24px;align-items:center;background:#eef4ef;border:1px solid #d5e1d7;border-radius:18px;padding:22px 24px}.learn-search-card h2{font-size:25px;letter-spacing:-.025em;margin:5px 0 5px}.learn-search-card p{font-size:13px;color:var(--muted);margin:0}.learn-search-card .terra-search-control{grid-template-columns:1fr auto}.learn-search-card input{min-height:48px;border:1px solid #c6d2c8;border-radius:11px;padding:0 13px;font:inherit;background:#fff}.learn-search-card input:focus{outline:3px solid rgba(53,108,80,.14);border-color:var(--earth-3)}.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
@media(min-width:901px) and (max-width:1120px){.nav-links{gap:9px;font-size:11.5px}.nav-search-link{padding:6px!important}.nav-search-link::before{font-size:10px}}@media(max-width:900px){.nav-search-link{width:100%;margin-left:-10px;padding:9px 10px!important;border-color:rgba(197,232,139,.18)}.search-hero-grid,.learn-search-card{grid-template-columns:1fr}.search-privacy-card{max-width:620px}.learn-search-card{gap:16px}}@media(max-width:580px){.terra-search-control,.learn-search-card .terra-search-control{grid-template-columns:1fr}.terra-search-control .btn{width:100%}.search-hero{padding:48px 0 38px}.search-result-card{padding:18px}.learn-search-card{padding:19px}.search-popular{gap:6px}}


/* ===== v1.9.6 — centered desktop header navigation ===== */
@media(min-width:1181px){
  .nav{justify-content:flex-start}
  .nav-links{flex:1;min-width:0;justify-content:center}
  .nav-links a{text-align:center}
}

/* v1.9.7 — course completion artifact + educator utility */
.course-finish-callout{display:flex;align-items:center;justify-content:space-between;gap:24px;margin:22px 0 28px;padding:22px 24px;border:1px solid #cddbd0;border-radius:17px;background:linear-gradient(135deg,#f6faf6,#edf5ef)}.course-finish-callout h2{font-size:24px;margin:5px 0 6px}.course-finish-callout p{margin:0;color:var(--muted);max-width:760px}.money-system-shell{max-width:1050px}.money-system-intro{display:flex;align-items:end;justify-content:space-between;gap:28px;margin-bottom:26px}.money-system-intro h2{font-size:32px;margin:5px 0 8px}.money-system-intro p{max-width:760px;color:var(--muted)}.money-system-actions{display:flex;gap:9px;flex-wrap:wrap;justify-content:flex-end}.money-system-sheet{background:#fff;border:1px solid #cfd9d1;border-radius:18px;padding:28px;box-shadow:0 10px 30px rgba(21,48,34,.06)}.money-system-sheet-head{display:flex;justify-content:space-between;gap:24px;border-bottom:2px solid #dce7de;padding-bottom:16px;margin-bottom:18px}.money-system-sheet-head h2{font-size:31px;margin:2px 0}.money-system-sheet-head p{margin:0;color:var(--muted);font-size:12px}.money-system-mark{font-weight:950;letter-spacing:.18em;color:var(--earth-2);font-size:11px}.money-system-date{font-size:12px;font-weight:750;white-space:nowrap}.blank-line{display:inline-block;width:110px;border-bottom:1px solid #7d8a81;transform:translateY(-2px)}.money-system-sequence{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:14px 0 22px}.money-system-sequence>div{border:1px solid var(--line);border-radius:11px;padding:11px;background:#fbfcfb}.money-system-sequence span{display:grid;place-items:center;width:26px;height:26px;border-radius:8px;background:#e9f1ea;color:var(--earth-2);font-weight:900;margin-bottom:7px}.money-system-sequence strong{font-size:13px}.money-system-sequence p{font-size:10.5px;line-height:1.45;color:var(--muted);margin:4px 0 0}.money-system-sheet h3{font-size:18px;margin:18px 0 10px}.money-system-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.money-system-grid label{display:block;border:1px solid var(--line);border-radius:10px;padding:10px 11px}.money-system-grid label span{display:block;font-size:11px;font-weight:800;line-height:1.35;margin-bottom:7px}.money-system-grid input{width:100%;border:0;border-bottom:1px solid #9ca9a0;border-radius:0;padding:7px 2px;background:transparent;font:inherit;font-size:12px;outline:none}.money-system-reminder{margin-top:18px;padding:13px 15px;border-radius:11px;background:#edf4ef;color:#2f4938;font-size:12px}.money-system-print-foot{margin-top:16px;padding-top:9px;border-top:1px solid var(--line);font-size:9px;color:#748078}.money-system-after{margin-top:30px}.money-system-after .art-related{grid-template-columns:repeat(2,1fr)}.educator-use-box{display:flex;justify-content:space-between;align-items:center;gap:28px;margin-top:28px;padding:22px 24px;border:1px solid #cfddd2;border-radius:16px;background:#f7faf7}.educator-use-box h2{font-size:24px;margin:5px 0 6px}.educator-use-box p{margin:6px 0;color:var(--muted);max-width:780px}.educator-use-box .actions{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}.related-path-section{padding-top:10px}
@media(max-width:800px){.course-finish-callout,.money-system-intro,.educator-use-box{display:block}.course-finish-callout .btn,.money-system-actions,.educator-use-box .actions{margin-top:14px}.money-system-actions{justify-content:flex-start}.money-system-sequence{grid-template-columns:1fr 1fr}.money-system-grid{grid-template-columns:1fr}.money-system-after .art-related{grid-template-columns:1fr}}
@media print{body.money-system-page *{visibility:hidden!important}body.money-system-page #moneySystemPrint,body.money-system-page #moneySystemPrint *{visibility:visible!important}body.money-system-page #moneySystemPrint{position:absolute;left:0;top:0;width:100%;border:0;box-shadow:none;border-radius:0;padding:0}body.money-system-page .money-system-sheet{font-size:10pt}.money-system-sequence{grid-template-columns:repeat(4,1fr);gap:5px}.money-system-grid{grid-template-columns:1fr 1fr;gap:6px}.money-system-grid label{break-inside:avoid}.money-system-no-print{display:none!important}@page{margin:.45in}}

/* v1.9.8 — course metadata contrast + bond-history visual */
.course-hub-hero .editorial-review-line{color:#ffffff;font-weight:650}
.course-hub-hero .editorial-review-line a{color:#ffffff;text-decoration:underline;text-underline-offset:2px}
.yield-history-figure{overflow-x:auto}
.yield-history-svg{display:block;width:100%;min-width:620px;height:auto;margin:2px auto 4px}
@media(max-width:700px){.yield-history-figure{padding:12px}.yield-history-svg{min-width:560px}}

/* ===== v1.9.9 — original research & authority foundation ===== */
.page-hero .trust-links-row a{color:#fff;text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}.page-hero .trust-links-row a:hover{color:#e8f5cf}
.research-card-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.research-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px;text-decoration:none;box-shadow:0 8px 24px rgba(25,45,32,.05)}.research-card:hover{transform:translateY(-2px);border-color:#b8cfbd;box-shadow:0 12px 28px rgba(25,45,32,.08)}.research-card-featured{background:linear-gradient(180deg,#fff,#f3f9f4);border-color:#b8cfbd}.research-card h3{font-size:24px;margin:10px 0 8px;color:var(--ink)}.research-card p{color:var(--muted);line-height:1.55;margin:0 0 14px}.research-card b{margin-top:auto;color:var(--earth-2)}.research-pill{display:inline-flex;width:max-content;padding:5px 8px;border-radius:999px;background:#e9f1ea;color:#31543e;font-size:10px;font-weight:850;text-transform:uppercase;letter-spacing:.06em}
.research-kpi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:20px 0}.research-kpi-grid>div{border:1px solid var(--line);background:#fff;border-radius:14px;padding:16px}.research-kpi-grid span{display:block;color:var(--muted);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.04em}.research-kpi-grid strong{display:block;font-size:26px;color:var(--earth-2);margin:4px 0}.research-kpi-grid p{font-size:12px;margin:0;color:var(--muted)}
.research-bars h3{margin-top:0}.research-bar-row{display:grid;grid-template-columns:90px 1fr 110px;gap:12px;align-items:center;margin:10px 0;font-size:13px}.research-bar-row>span{font-weight:750}.research-bar-row>strong{text-align:right;font-variant-numeric:tabular-nums}.research-bar-track{height:16px;border-radius:999px;background:#edf2ee;overflow:hidden}.research-bar-track i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,#2d5b3f,#7aa163)}
.research-table-wrap{overflow-x:auto}.research-table-wrap table{min-width:760px}.research-table-wrap td,.research-table-wrap th{white-space:nowrap}.research-download-box{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;background:linear-gradient(145deg,#f5faf6,#edf5ef);border:1px solid #cbdccb;border-radius:16px;padding:20px;margin:22px 0}.research-download-box h3{margin:5px 0 6px}.research-download-box p{font-size:14px;margin:0}.research-citation-box{border:1px solid var(--line);border-left:4px solid var(--earth-2);border-radius:0 12px 12px 0;background:#f8faf8;padding:16px 18px;margin:18px 0}.research-citation-box p{font-size:14px;margin:7px 0}.research-citation-box .small{font-size:12px;color:var(--muted)}
@media(max-width:760px){.research-card-grid,.research-kpi-grid,.research-download-box{grid-template-columns:1fr}.research-bar-row{grid-template-columns:76px 1fr}.research-bar-row>strong{grid-column:2;text-align:left;margin-top:-6px}.research-download-box .actions{justify-content:flex-start}}

/* v1.9.10 editorial-team byline links */
.editorial-team-link{color:inherit;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;font-weight:700}.editorial-team-link:hover{opacity:.9}

/* =====================================================================
   v1.9.11 — Money Now homepage foundation + hybrid 2/3 homepage
   ===================================================================== */
.nav-money-now{display:inline-flex!important;align-items:center;gap:5px;position:relative}
.nav-new-badge{display:inline-grid;place-items:center;min-width:27px;height:15px;padding:0 4px;border-radius:999px;background:#b73a2f;color:#fff;font-size:7px;line-height:1;font-weight:900;letter-spacing:.06em}

.home-v11{background:#f3f8fb;color:#102a4f}
.home-v11 .site-header{position:sticky}
.home11-hero{min-height:430px;color:#fff;background-color:#0b2844;background-image:linear-gradient(90deg,rgba(7,31,53,.98) 0%,rgba(7,31,53,.94) 38%,rgba(7,31,53,.70) 57%,rgba(7,31,53,.18) 79%,rgba(7,31,53,.08) 100%),url('money-now/hero-mountains.webp');background-size:cover,58% 100%;background-position:center,right center;background-repeat:no-repeat;display:flex;align-items:center;border-bottom:1px solid rgba(255,255,255,.08)}
.home11-hero-inner{display:grid;grid-template-columns:1.08fr .62fr;gap:48px;align-items:center;min-height:430px}
.home11-hero-copy{max-width:660px;padding:46px 0}
.home11-kicker{font-size:12px;text-transform:uppercase;letter-spacing:.13em;font-weight:850;color:#b9d99c;margin-bottom:12px}
.home11-hero h1{font-size:clamp(46px,6.4vw,76px);line-height:.98;letter-spacing:-.05em;margin:0 0 20px;color:#fff;text-wrap:balance}
.home11-hero-copy>p{font-size:18px;line-height:1.5;color:#e7eef4;max-width:620px;margin:0 0 25px}
.home11-cta{display:inline-flex;align-items:center;gap:12px;padding:13px 22px;border-radius:999px;background:#4f994e;color:#fff;text-decoration:none;font-weight:850;box-shadow:0 10px 24px rgba(0,0,0,.18)}
.home11-cta:hover{background:#5bac59;transform:translateY(-1px)}
.home11-hero-thought{justify-self:start;display:grid;grid-template-columns:4px 1fr;gap:18px;align-items:center;max-width:260px;padding:18px 20px;border-radius:16px;background:rgba(4,24,42,.52);backdrop-filter:blur(5px)}
.home11-hero-thought>span{height:84px;background:#74bc58;border-radius:999px}.home11-hero-thought p{margin:0;font-size:21px;line-height:1.28;color:#fff}.home11-hero-thought strong{font-weight:800}

.home11-money-now{padding:40px 0 32px;background:linear-gradient(180deg,#eff8fd 0%,#f7fbfd 100%);border-bottom:1px solid #dbe8ef}
.home11-section-head,.home11-block-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:20px}
.home11-section-head>div{max-width:780px}.home11-section-kicker{border-left:5px solid #5ea14e;padding-left:10px;text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:900;color:#17385f}
.home11-section-head h2,.home11-block-head h2{margin:5px 0 4px;font-size:clamp(27px,3vw,39px);line-height:1.08;letter-spacing:-.03em;color:#12325a}.home11-section-head p,.home11-block-head p{margin:0;color:#5c6f81;font-size:14px}.home11-view-all,.home11-block-head>a{white-space:nowrap;color:#1269b3;font-weight:800;text-decoration:none;font-size:13px}
.home11-money-grid{display:grid;grid-template-columns:1.17fr .83fr;gap:14px}.home11-feature-story,.home11-side-story{background:#fff;border:1px solid #dce9ef;border-radius:12px;overflow:hidden;box-shadow:0 7px 22px rgba(32,81,111,.055)}
.home11-story-image{display:block;aspect-ratio:16/7;overflow:hidden;background:#d9e7ef}.home11-story-image img,.home11-side-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .2s ease}.home11-story-image:hover img,.home11-side-img:hover img{transform:scale(1.02)}
.home11-story-body{padding:18px 20px 20px}.home11-story-meta{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:8px}.home11-story-meta time{font-size:10px;font-weight:700;color:#687b8b;white-space:nowrap}.home11-pill{display:inline-flex;padding:4px 8px;border-radius:5px;color:#fff;font-size:9px;font-weight:900;letter-spacing:.03em;text-transform:uppercase}.home11-pill.markets{background:#125b91}.home11-pill.debt{background:#34899c}.home11-pill.retirement{background:#3e8747}
.home11-feature-story h3,.home11-side-story h3{margin:0;color:#102f59;line-height:1.12;letter-spacing:-.025em}.home11-feature-story h3{font-size:27px}.home11-side-story h3{font-size:19px}.home11-feature-story h3 a,.home11-side-story h3 a{text-decoration:none}.home11-feature-story p,.home11-side-story p{color:#5b6e7f}.home11-feature-story p{font-size:14px;margin:9px 0 14px}.home11-side-story p{font-size:12.5px;line-height:1.45;margin:7px 0 10px}.home11-story-link{color:#0874c6;text-decoration:none;font-weight:850;font-size:13px}
.home11-side-stories{display:grid;gap:14px}.home11-side-story{display:grid;grid-template-columns:160px 1fr;padding:12px;gap:14px}.home11-side-img{display:block;border-radius:8px;overflow:hidden;min-height:130px}.home11-side-story>div{padding:2px 3px 2px 0}

.home11-discovery{padding:26px 0 34px;background:#f7fbfd}.home11-block-head{margin-bottom:13px}.home11-block-head h2{font-size:25px;margin:0}.home11-tile-grid{display:grid;grid-template-columns:repeat(8,1fr);gap:10px}.home11-tile-grid>a{min-height:112px;background:#fff;border:1px solid #e0eaf0;border-radius:9px;text-decoration:none;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:12px 7px;color:#12315a;box-shadow:0 4px 14px rgba(32,81,111,.035);transition:.15s ease}.home11-tile-grid>a:hover{transform:translateY(-2px);border-color:#b6d3e5;box-shadow:0 8px 18px rgba(32,81,111,.08)}.home11-icon{display:grid;place-items:center;width:40px;height:40px;margin-bottom:8px;font-size:24px;line-height:1;font-weight:850;color:#1684d5}.home11-calcs a:nth-child(1) .home11-icon{color:#4b9d43}.home11-calcs a:nth-child(4) .home11-icon{color:#7b5aac}.home11-tile-grid strong{font-size:12.5px;line-height:1.16}.home11-learn-head{margin-top:25px}.home11-topics .home11-icon{color:#155a9a}

.home11-more{padding:38px 0;background:#fff;border-top:1px solid #e4edf2}.home11-more-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.home11-more-grid>a,.home11-more-grid>div{text-decoration:none;border:1px solid #dfe9ee;border-radius:13px;padding:21px;background:linear-gradient(145deg,#fff,#f8fbfc);display:flex;flex-direction:column;min-height:195px}.home11-more-grid span{font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.09em;color:#4b8550}.home11-more-grid strong{font-size:20px;line-height:1.15;color:#12315a;margin:12px 0 7px}.home11-more-grid p{font-size:13px;color:#647482;margin:0 0 15px}.home11-more-grid b{margin-top:auto;color:#1475bb;font-size:12px}.home11-research-links{display:flex;gap:7px 14px;flex-wrap:wrap;margin-top:auto}.home11-research-links a{font-size:12px;font-weight:850;color:#1475bb;text-decoration:none}.home11-research-links a:hover{text-decoration:underline}.home11-research-links .home11-research-all{flex-basis:100%;color:#496470;margin-top:2px}

.home11-trust{padding:23px 0;background:linear-gradient(90deg,#eff8ef,#f3fbf4);border-top:1px solid #dbe8de}.home11-trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}.home11-trust-grid>div{display:grid;grid-template-columns:58px 1fr;gap:14px;align-items:center;padding:6px 28px;border-left:1px solid #cddfd2}.home11-trust-grid>div:first-child{border-left:0;padding-left:0}.home11-trust-grid>div:last-child{padding-right:0}.home11-trust-icon{font-size:37px;color:#2f7a3e}.home11-trust-grid p{margin:0}.home11-trust-grid strong{display:block;font-size:14px;color:#14355a}.home11-trust-grid small{display:block;color:#557067;font-size:11px;line-height:1.4;margin-top:3px}
.home-v11 .site-footer{background:#082d51}.home-v11 .footer-col a,.home-v11 .footer-brand p{color:#b9c9d7}.home-v11 .footer-bottom{color:#93adbf}

/* Money Now hub and articles */
.money-now-scope{background:#f4f8fb}.money-now-hero{padding:68px 0 48px;color:#fff;background:radial-gradient(circle at 85% 15%,rgba(91,172,89,.16),transparent 28%),linear-gradient(120deg,#082d51,#174b73)}.money-now-hero .eyebrow{color:#b9d99c}.money-now-hero h1{font-size:clamp(42px,6vw,68px);line-height:1.01;letter-spacing:-.045em;max-width:880px;margin:10px 0 15px}.money-now-hero p{max-width:780px;color:#dbe8f2;font-size:17px}.money-now-filter-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}.money-now-filter-row a{font-size:11px;font-weight:800;text-decoration:none;padding:8px 11px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);color:#eaf3f9}.money-now-filter-row a.active{background:#5a9f50;color:#fff;border-color:#5a9f50}
.money-now-index{padding-top:42px}.money-now-index-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:16px}.money-now-index-feature,.money-now-index-list article{background:#fff;border:1px solid #dce7ed;border-radius:14px;overflow:hidden}.money-now-index-feature .mn-index-image{display:block;aspect-ratio:16/7;overflow:hidden}.mn-index-image img,.mn-index-thumb img{width:100%;height:100%;object-fit:cover;display:block}.money-now-index-feature>div{padding:22px}.money-now-index-feature h2,.money-now-index-list h2{line-height:1.12;letter-spacing:-.025em;color:#11345d}.money-now-index-feature h2{font-size:30px;margin:9px 0}.money-now-index-feature h2 a,.money-now-index-list h2 a{text-decoration:none}.money-now-index-feature p,.money-now-index-list p{color:#5d6e7c}.money-now-index-feature p{font-size:14px}.money-now-index-list{display:grid;gap:16px}.money-now-index-list article{display:grid;grid-template-columns:190px 1fr;gap:15px;padding:12px}.mn-index-thumb{overflow:hidden;border-radius:9px;min-height:160px}.money-now-index-list article>div{padding:5px 5px 5px 0}.money-now-index-list h2{font-size:21px;margin:7px 0}.money-now-index-list p{font-size:13px}.money-now-method{margin-top:24px;padding:20px 22px;background:#eef5ef;border:1px solid #d5e5d7;border-radius:13px;color:#294b39}.money-now-method strong{font-size:15px}.money-now-method p{font-size:13px;color:#58705f;margin:4px 0 7px}.money-now-method a{font-size:12px;font-weight:800;color:#2e6e3c}
.money-now-article .page-hero{background:radial-gradient(circle at 85% 10%,rgba(91,172,89,.18),transparent 30%),linear-gradient(120deg,#0a3155,#1a4f74)}.money-now-article-label{display:flex;align-items:center;gap:9px;margin-bottom:12px}.money-now-article-label>span:last-child{font-size:11px;font-weight:850;letter-spacing:.1em;text-transform:uppercase;color:#bed2e0}.money-now-article h1{max-width:960px}.money-now-why{background:#eef6fb;border:1px solid #d6e7f2;border-left:4px solid #2a82bc;border-radius:0 12px 12px 0;padding:16px 18px;margin:0 0 22px}.money-now-why strong{display:block;color:#123c60;margin-bottom:4px}.money-now-why p{font-size:14px;margin:0;color:#506c7d}.money-now-chain{display:flex;align-items:stretch;gap:7px;flex-wrap:wrap;margin:18px 0 23px}.money-now-chain span{flex:1 1 130px;display:grid;place-items:center;text-align:center;min-height:64px;padding:10px;border-radius:10px;background:#f0f6fa;border:1px solid #d8e7ef;font-size:12px;font-weight:800;color:#173e61}.money-now-chain b{display:grid;place-items:center;color:#5c819c}.money-now-compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0}.money-now-compare>div{background:#f5f8fa;border:1px solid #dfe7eb;border-radius:12px;padding:17px}.money-now-compare strong{display:block;font-size:15px;color:#173d60;margin-bottom:8px}.money-now-compare span{display:block;font-size:12.5px;color:#5c6d79;padding:4px 0;border-top:1px solid #e2eaee}.money-now-compare span:first-of-type{border-top:0}.money-now-related{display:grid;gap:7px;margin-top:13px}.money-now-related a{display:block;padding:9px 10px;border-radius:8px;background:rgba(255,255,255,.85);text-decoration:none}.money-now-back{margin-top:24px}.money-now-back a{font-weight:800}

@media(max-width:1180px){.nav-new-badge{margin-left:3px}}
@media(max-width:980px){.home11-hero{background-size:cover,75% 100%;background-position:center,right center}.home11-hero-inner{grid-template-columns:1fr}.home11-hero-thought{display:none}.home11-money-grid,.money-now-index-grid{grid-template-columns:1fr}.home11-tile-grid{grid-template-columns:repeat(4,1fr)}.home11-trust-grid{grid-template-columns:1fr}.home11-trust-grid>div{border-left:0;border-top:1px solid #cddfd2;padding:14px 0}.home11-trust-grid>div:first-child{border-top:0}.home11-more-grid{grid-template-columns:1fr 1fr}.money-now-index-list article{grid-template-columns:160px 1fr}}
@media(max-width:720px){.home11-hero{min-height:430px;background-size:cover,auto 100%;background-position:center,right center}.home11-hero-inner{min-height:430px}.home11-hero-copy{padding:42px 0}.home11-hero h1{font-size:44px;max-width:520px}.home11-hero-copy>p{font-size:16px;max-width:520px}.home11-section-head,.home11-block-head{display:block}.home11-view-all,.home11-block-head>a{display:inline-block;margin-top:11px}.home11-side-story{grid-template-columns:125px 1fr}.home11-tile-grid{grid-template-columns:repeat(2,1fr)}.home11-more-grid{grid-template-columns:1fr}.money-now-index-list article{grid-template-columns:120px 1fr}.money-now-compare{grid-template-columns:1fr}.money-now-chain b{display:none}.home11-feature-story h3{font-size:24px}}
@media(max-width:480px){.home11-hero{background-image:linear-gradient(90deg,rgba(7,31,53,.97),rgba(7,31,53,.76)),url('money-now/hero-mountains.webp');background-size:cover}.home11-hero h1{font-size:39px}.home11-money-now{padding-top:30px}.home11-side-story{grid-template-columns:1fr}.home11-side-img{aspect-ratio:16/7}.home11-tile-grid>a{min-height:104px}.money-now-index-list article{grid-template-columns:1fr}.mn-index-thumb{aspect-ratio:16/8}.money-now-hero{padding-top:52px}.money-now-hero h1{font-size:42px}}


/* =====================================================================
   v1.9.12 — homepage visual polish
   No calculator logic changes.
   ===================================================================== */
.home11-hero{
  min-height:390px;
  background-image:linear-gradient(90deg,rgba(7,31,53,.99) 0%,rgba(7,31,53,.97) 39%,rgba(7,31,53,.90) 49%,rgba(7,31,53,.56) 58%,rgba(7,31,53,.18) 72%,rgba(7,31,53,.07) 100%),url('money-now/hero-mountains.webp');
  background-size:auto,auto 122%;
  background-position:center,right center;
}
.home11-hero-inner{min-height:390px;grid-template-columns:1.04fr .58fr;gap:40px}
.home11-hero-copy{padding:36px 0;max-width:650px}
.home11-hero h1{font-size:clamp(44px,5.5vw,68px);margin-bottom:17px}
.home11-hero-copy>p{font-size:17px;line-height:1.46;margin-bottom:22px}
.home11-hero-thought{padding:16px 18px;max-width:245px}
.home11-hero-thought p{font-size:19px}.home11-hero-thought>span{height:76px}
.home11-money-now{padding:32px 0 28px}
.home11-section-head{margin-bottom:15px}.home11-section-head h2{font-size:clamp(27px,2.7vw,36px)}
.home11-section-head p{font-size:13.5px}.home11-money-grid{gap:12px}
.home11-story-image{aspect-ratio:16/6.25}.home11-story-body{padding:15px 18px 17px}
.home11-feature-story h3{font-size:25px}.home11-feature-story p{font-size:13.5px;line-height:1.44}
.home11-side-stories{gap:12px}.home11-side-story{grid-template-columns:165px 1fr;padding:11px;gap:12px}
.home11-side-img{min-height:138px}.home11-side-story h3{font-size:18px}.home11-side-story p{font-size:12.5px;line-height:1.4}
.home11-401-img{background:#f6f0e6}.home11-401-img img{object-fit:contain!important;object-position:center!important;padding:7px;box-sizing:border-box}
.home11-view-all-mobile{display:none}
.home11-discovery{padding:22px 0 28px}.home11-block-head{margin-bottom:11px}.home11-block-head h2{font-size:24px}.home11-learn-head{margin-top:22px}
.home11-tile-grid{gap:9px}.home11-tile-grid>a{min-height:100px;padding:10px 7px}.home11-icon{width:38px;height:38px;margin-bottom:6px}.home11-svg-icon{width:34px;height:34px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.home11-calcs a:nth-child(1) .home11-icon,.home11-calcs a:nth-child(7) .home11-icon{color:#3f9141}.home11-calcs a:nth-child(4) .home11-icon{color:#7653a8}.home11-topics a:nth-child(7) .home11-icon{color:#3f9141}
.home11-more{padding:31px 0}.home11-more-grid>a{min-height:172px;padding:18px}.home11-more-grid strong{font-size:18px;margin-top:10px}.home11-more-grid p{font-size:12.5px}
.home11-trust{padding:19px 0}
@media(max-width:980px){
  .home11-hero{min-height:375px;background-size:auto,auto 115%;background-position:center,right center}
  .home11-hero-inner{min-height:375px}
  .home11-more-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  .home11-hero{min-height:365px;background-size:auto,cover;background-position:center,center center}
  .home11-hero-inner{min-height:365px}
  .home11-hero-copy{padding:29px 0 31px}
  .home11-kicker{font-size:11px;margin-bottom:9px}
  .home11-hero h1{font-size:38px;line-height:1.01;margin-bottom:15px;max-width:500px}
  .home11-hero-copy>p{font-size:15px;line-height:1.42;margin-bottom:20px;max-width:500px}
  .home11-cta{padding:11px 19px}
  .home11-money-now{padding:25px 0 26px}
  .home11-section-head{margin-bottom:14px}
  .home11-section-head h2{font-size:30px;line-height:1.08}
  .home11-section-head p{font-size:13.5px;line-height:1.47}
  .home11-section-head>.home11-view-all{display:none}
  .home11-view-all-mobile{display:inline-flex;align-items:center;margin:17px 0 0;font-size:14px}
  .home11-feature-story h3{font-size:22px}.home11-feature-story p{font-size:13px}
  .home11-story-body{padding:15px 16px 17px}
  .home11-side-story{grid-template-columns:120px 1fr;padding:10px;gap:11px}
  .home11-side-img{min-height:112px}
  .home11-side-story h3{font-size:17px}.home11-side-story p{font-size:12px}
  .home11-discovery{padding:21px 0 25px}
  .home11-tile-grid>a{min-height:96px}.home11-svg-icon{width:31px;height:31px}.home11-icon{width:35px;height:35px}
  .home11-more{padding:27px 0}.home11-more-grid{grid-template-columns:1fr}
}
@media(max-width:480px){
  .home11-hero{min-height:345px;background-image:linear-gradient(90deg,rgba(7,31,53,.94),rgba(7,31,53,.61)),url('money-now/hero-mountains.webp');background-size:auto,cover;background-position:center,54% center}
  .home11-hero-inner{min-height:345px}
  .home11-hero-copy{padding:24px 0 27px}
  .home11-kicker{font-size:10.5px;letter-spacing:.11em}
  .home11-hero h1{font-size:34px;line-height:1.01;letter-spacing:-.045em;margin-bottom:13px}
  .home11-hero-copy>p{font-size:14.5px;line-height:1.39;margin-bottom:18px}
  .home11-cta{padding:10px 17px;font-size:15px}
  .home11-section-kicker{font-size:11px}.home11-section-head h2{font-size:27px}.home11-section-head p{font-size:13px}
  .home11-story-image{aspect-ratio:16/6.7}
  .home11-side-story{grid-template-columns:1fr}.home11-side-img{aspect-ratio:16/7;min-height:0}
  .home11-401-img img{padding:10px 18px}
  .home11-block-head h2{font-size:22px}.home11-block-head p{font-size:12.5px}
  .home11-tile-grid>a{min-height:91px}.home11-tile-grid strong{font-size:12px}
}

/* v1.9.12 final hero/photo refinement after local render review */
.home11-hero{background-image:linear-gradient(90deg,#071f35 0%,#071f35 50%,rgba(7,31,53,.95) 54%,rgba(7,31,53,.62) 60%,rgba(7,31,53,.22) 72%,rgba(7,31,53,.08) 100%),url('money-now/hero-mountains.webp')}
.home11-feature-story .home11-story-image img{object-position:center 72%}
@media(max-width:720px){.home11-hero{background-image:linear-gradient(90deg,rgba(7,31,53,.94),rgba(7,31,53,.62)),url('money-now/hero-mountains.webp')}}
@media(max-width:480px){.home11-hero{background-image:linear-gradient(90deg,rgba(7,31,53,.94),rgba(7,31,53,.61)),url('money-now/hero-mountains.webp')}}


/* =====================================================================
   v1.9.13 — homepage placement + Money Now durability foundation
   No calculator logic changes.
   ===================================================================== */
/* Keep the desktop thought box in open right-side scenery, clear of the hiker. */
@media(min-width:1181px){
  .home11-hero-thought{transform:translateX(140px)}
}
@media(min-width:981px) and (max-width:1180px){
  .home11-hero-thought{display:none}
}

/* Reusable time-stamped context block for semi-evergreen Money Now explainers. */
.money-now-current-context{margin:0 0 20px;border:1px solid #cfe0ea;border-left:5px solid #4f994e;border-radius:0 13px 13px 0;background:linear-gradient(135deg,#f5fafc,#eef7f3);padding:16px 18px}
.money-now-current-context .mn-current-label{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin-bottom:10px;color:#17385f;font-size:11px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.money-now-current-context .mn-current-label time{color:#5d7180;font-weight:750;letter-spacing:0;text-transform:none}
.money-now-current-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.money-now-current-grid>div{background:#fff;border:1px solid #dce8ed;border-radius:10px;padding:11px 12px}
.money-now-current-grid span{display:block;color:#687b88;font-size:10.5px;font-weight:750;line-height:1.3}
.money-now-current-grid strong{display:block;color:#11345b;font-size:18px;line-height:1.15;margin-top:4px}
.money-now-current-context>p{margin:10px 0 0;color:#556a78;font-size:12px;line-height:1.48}
@media(max-width:680px){.money-now-current-grid{grid-template-columns:1fr}.money-now-current-context{padding:14px 15px}.money-now-current-grid strong{font-size:17px}}


/* =====================================================================
   v1.9.14 — desktop hero thought-box clearance
   No calculator logic, content hierarchy, or Money Now logic changes.
   ===================================================================== */
/*
   Keep the decorative thought box farther right on desktop so the hiker
   remains fully visible across common PC viewport widths. Hide the box on
   narrower laptop/tablet widths rather than allow it to crowd the photo.
*/
.home11-hero{overflow:hidden}
@media(min-width:1280px){
  .home11-hero-inner{position:relative}
  .home11-hero-thought{
    position:absolute;
    right:-72px;
    top:50%;
    transform:translateY(-50%);
    max-width:232px;
  }
}
@media(min-width:981px) and (max-width:1279px){
  .home11-hero-thought{display:none}
}

/* =====================================================================
   v1.9.16 — homepage audience sorter
   Three obvious entry paths between the hero and Money Now.
   No calculator or financial logic changes.
   ===================================================================== */
.home11-sorter{padding:27px 0 29px;background:#fff;border-bottom:1px solid #dfe9ee}
.home11-sorter-head{text-align:center;max-width:700px;margin:0 auto 18px}
.home11-sorter-kicker{display:inline-block;color:#4b8550;font-size:10.5px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;margin-bottom:5px}
.home11-sorter-head h2{margin:0 0 5px;color:#12325a;font-size:clamp(25px,2.6vw,34px);line-height:1.08;letter-spacing:-.03em}
.home11-sorter-head p{margin:0;color:#627482;font-size:13.5px}
.home11-sorter-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}
.home11-sorter-card{--sorter:#4f994e;--sorter-soft:#edf7ed;position:relative;display:grid;grid-template-columns:48px 1fr;gap:13px;align-items:start;min-height:164px;padding:19px 18px 17px;background:linear-gradient(145deg,#fff,#fbfdfe);border:1px solid #dfe9ee;border-radius:13px;color:#12325a;text-decoration:none;box-shadow:0 5px 16px rgba(32,81,111,.045);overflow:hidden;transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease}
.home11-sorter-card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--sorter)}
.home11-sorter-card:hover{transform:translateY(-2px);border-color:#bfd3dd;box-shadow:0 9px 22px rgba(32,81,111,.09)}
.home11-sorter-card:focus-visible{outline:3px solid rgba(21,90,154,.28);outline-offset:3px}
.home11-sorter-answer{--sorter:#236ea3;--sorter-soft:#eaf4fa}
.home11-sorter-now{--sorter:#8a6a2f;--sorter-soft:#f7f0e4}
.home11-sorter-icon{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--sorter-soft);color:var(--sorter);margin-top:5px}
.home11-sorter-icon svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.home11-sorter-copy{display:flex;flex-direction:column;min-width:0;height:100%}
.home11-sorter-copy small{font-size:9.5px;font-weight:900;letter-spacing:.085em;text-transform:uppercase;color:#637687;margin-bottom:5px}
.home11-sorter-copy strong{display:block;font-size:19px;line-height:1.15;letter-spacing:-.025em;color:#12325a;margin-bottom:7px}
.home11-sorter-copy>span{display:block;color:#627482;font-size:12.5px;line-height:1.43;margin-bottom:12px}
.home11-sorter-copy b{margin-top:auto;color:var(--sorter);font-size:12.5px;font-weight:900}
.home11-sorter-copy i{font-style:normal;display:inline-block;transition:transform .15s ease}
.home11-sorter-card:hover .home11-sorter-copy i{transform:translateX(3px)}
@media(max-width:840px){
  .home11-sorter{padding:24px 0 26px}
  .home11-sorter-grid{grid-template-columns:1fr;gap:10px;max-width:720px;margin:0 auto}
  .home11-sorter-card{grid-template-columns:44px 1fr;min-height:0;padding:15px 16px 14px;gap:12px}
  .home11-sorter-card::before{top:0;bottom:0;right:auto;width:4px;height:auto}
  .home11-sorter-icon{width:42px;height:42px;margin-top:3px}
  .home11-sorter-icon svg{width:25px;height:25px}
  .home11-sorter-copy strong{font-size:17px;margin-bottom:4px}
  .home11-sorter-copy>span{font-size:12px;margin-bottom:7px}
}
@media(max-width:480px){
  .home11-sorter{padding:21px 0 23px}
  .home11-sorter-head{text-align:left;margin-bottom:14px}
  .home11-sorter-kicker{font-size:10px}
  .home11-sorter-head h2{font-size:25px}
  .home11-sorter-head p{font-size:12.5px;line-height:1.42}
  .home11-sorter-card{grid-template-columns:40px 1fr;padding:14px 13px 13px;gap:11px}
  .home11-sorter-icon{width:39px;height:39px;border-radius:10px}
  .home11-sorter-icon svg{width:23px;height:23px}
  .home11-sorter-copy small{font-size:9px}
  .home11-sorter-copy strong{font-size:16px}
  .home11-sorter-copy>span{font-size:11.5px;line-height:1.4}
  .home11-sorter-copy b{font-size:12px}
}
@media(prefers-reduced-motion:reduce){.home11-sorter-card,.home11-sorter-copy i{transition:none!important}}


/* v1.9.17 final UX polish */
.home11-tile-note{display:block;margin-top:4px;color:#6c7f8d;font-size:9.5px;line-height:1.2;font-weight:650;max-width:100px}
.home11-cta span{display:inline-block;transition:transform .15s ease}.home11-cta:hover span{transform:translateY(2px)}
.calc-welcome{background:#fff;border-bottom:1px solid #e3eaed}
.calc-welcome .container{padding-top:15px;padding-bottom:15px}
.calc-welcome-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;background:linear-gradient(135deg,#f7fbf8,#f8fbfd);border:1px solid #dbe7e1;border-radius:12px;padding:15px 18px}
.calc-welcome-grid>div+div{border-left:1px solid #d8e4df;padding-left:18px}
.calc-welcome-grid span{display:block;color:#2f6f43;font-size:10px;font-weight:900;letter-spacing:.09em;text-transform:uppercase;margin-bottom:3px}
.calc-welcome-grid p{margin:0;color:#506271;font-size:13px;line-height:1.45}
@media(max-width:720px){.calc-welcome .container{padding-top:11px;padding-bottom:11px}.calc-welcome-grid{grid-template-columns:1fr;gap:10px;padding:13px 14px}.calc-welcome-grid>div+div{border-left:0;border-top:1px solid #d8e4df;padding-left:0;padding-top:10px}.calc-welcome-grid p{font-size:12.5px}.home11-tile-note{font-size:9px}}
@media(prefers-reduced-motion:reduce){.home11-cta span{transition:none!important}}

/* v1.9.20 · Mortgage points calculator + article read-aloud */
.mp-range-line{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:16px;align-items:center}.mp-range-line input[type=range]{width:100%;accent-color:var(--earth-2)}.mp-range-line output{min-width:88px;padding:8px 10px;border:1px solid var(--line);border-radius:9px;background:#fff;text-align:center;font-weight:800;color:var(--earth)}.mp-quote-tip{margin-top:18px;padding:14px 16px;border-radius:12px;background:#edf3ee;border:1px solid #d9e4dc;display:grid;gap:3px}.mp-quote-tip strong{color:var(--earth)}.mp-quote-tip span{font-size:13px;color:#526158}.mp-results{grid-template-columns:repeat(2,minmax(0,1fr))}.mp-verdict{margin:16px 0;padding:16px 17px;border-radius:13px;border:1px solid var(--line);display:grid;gap:4px}.mp-verdict strong{font-size:17px}.mp-verdict span{font-size:13px;color:#526158}.mp-verdict.positive{background:#edf5ef;border-color:#cfe1d4}.mp-verdict.caution{background:#f7f0e5;border-color:#e7d4b6}.mp-mini-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:14px 0}.mp-mini-stats>div{border:1px solid var(--line);border-radius:12px;padding:12px;background:#f8faf8}.mp-mini-stats span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:750}.mp-mini-stats strong{display:block;margin-top:3px;color:var(--earth)}.mp-chart-note{font-size:12px;color:var(--muted);margin-top:8px}.mp-positive{color:var(--positive);font-weight:800}.mp-negative{color:#8b5a25;font-weight:800}.mp-row-highlight{background:#edf3ee}.mp-method{grid-template-columns:repeat(2,minmax(0,1fr))}
.terra-read-aloud{margin:0 0 22px;padding:14px 16px;border:1px solid #d9e4dc;border-radius:14px;background:#f5f8f5;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:12px 18px;align-items:center}.tra-copy{display:grid;gap:2px}.tra-copy strong{font-size:15px;color:var(--earth)}.tra-meta{font-size:12px;color:var(--muted)}.tra-controls{display:flex;align-items:center;justify-content:flex-end;gap:8px;flex-wrap:wrap}.tra-controls button,.tra-controls select{min-height:38px;border:1px solid #bccbc0;border-radius:9px;background:#fff;color:var(--earth);font:700 13px/1.2 Inter,ui-sans-serif,system-ui,sans-serif;padding:8px 11px}.tra-controls button{cursor:pointer}.tra-controls button:disabled{opacity:.45;cursor:not-allowed}.tra-controls label{display:flex;align-items:center;gap:6px;font-size:12px;font-weight:750;color:#526158}.tra-progress{grid-column:1/-1;display:flex;justify-content:space-between;gap:10px;font-size:11px;color:var(--muted);border-top:1px solid #dfe8e1;padding-top:8px}.terra-speaking{background:#f0eadf;box-shadow:0 0 0 4px #f0eadf;border-radius:3px;transition:background .15s ease}
@media(max-width:760px){.mp-results,.mp-mini-stats,.mp-method{grid-template-columns:1fr}.terra-read-aloud{grid-template-columns:1fr}.tra-controls{justify-content:flex-start}.tra-controls button{min-height:44px}.mp-range-line{grid-template-columns:1fr}.mp-range-line output{justify-self:start}.calc-field input[type=range]{font-size:16px}}